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"I was skeptical at first, but the business credit builder program exceeded all expectations! Their expertise and personalized approach helped me navigate the complexities of business credit building. Today, my business stands on a solid credit foundation, allowing us to confidently pursue new opportunities."

Thomas Jennings



$99995 (50% Savings)

List Price: $1,999.95

This yearly plan is crafted to foster the establishment and expansion of your enterprise's business credit—a 6-Month Program accompanied by another 6 months of Growth Consulting.

This package includes:

Free USBA Membership ($25 in value)

✅ Profile Management

✅ Dedicated Business Credit Consultant            

✅ Business Credit Building                                         

✅ Business Coaching                                                   

✅ Business Funding Consulting                            

✅ Identification/matching of resources

✅ Oversight, Management of Profiles                 

✅ Scoring Updates

✅ Bureau communication

✅ Compliance, UCC reports

Financial Benefits

✅ Adding real trade lines (3-5)                           

✅ Retail Business                                                           

✅ Vendor Net Terms

✅ Top cash flow management resources 

✅ Business credit card resources   

✅ Business credit line options                                             

✅ Business Loan Programs


Business credit building is a strategic process aimed at establishing and enhancing a company's creditworthiness through deliberate financial practices. It begins with foundational steps such as forming a legal business entity and obtaining an Employer Identification Number (EIN) to ensure the business is recognized as a separate financial entity. Key actions include opening a dedicated business bank account, applying for a business credit card, and establishing trade lines with suppliers and vendors who report payments to business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business. Monitoring the business credit report regularly for accuracy and disputing any errors is crucial to maintaining a positive credit profile.

How to order?

Click "Add To Cart" to control your financial future. Start today by repairing your credit reports.

Here's exactly what you'll get
When you sign up for the business credit program, you gain access to a comprehensive suite of tools and resources designed to help you establish and build your business's credit profile. You'll also receive instructions on how to use your business credit approvals, establish tradelines with vendors, and effectively monitor and improve your business credit score through regular usage if your approvals. Additionally, the program may offer educational materials on financial management practices, such as maintaining separate personal and business finances and navigating credit and loan applications to secure favorable terms. This all-encompassing 6-month program is designed to empower business owners with the knowledge and tools necessary to build a strong credit foundation, enhancing their ability to grow and scale their business.
3D Business man - isolated over a white background

Startup Business Issues

85% of Small Business Owner Fail to Make Business Credit a priority. Are you one of them?


Our goal is to help small business owners avoid similar mistakes of the small business community. We cover the benefits of building business credit and the adverse effects of failing to develop business credit.

Entrepreneurs often source capital from their personal and family savings to get their businesses off the ground.

  • 64.4% use personal and family savings
  • 16.5% use business loans from banks or other financial institutions
  • 9.1% use personal credit cards
  • 8.7% use personal family assets (other than the owner’s savings)

Program Benefits – Make the decision to put the building of business credit at the top of your priority list. It is a “must do” for small business owners. The only sure way to reduce pressure on personal credit for business financing. Business credit develops a separate credit profile under the business employer identification number (EIN). Make the smart choice.


How It Works

Our experts have developed an outstanding process that assists with reaching this objective. Through our Business Portal and monthly Advisory Sessions, your business will progressively build layers of business credit.

Register on Red Button Enter on Black Computer Keyboard.


  • Cortera
  • Dun & Bradstreet
  • Experian Business
  • 50+ Risk Management Firms
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  • New Trade Accounts
  • Real Supplier Lines
  • Business Credit Cards
  • Loan Submission Assist
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  • Data Integrity
  • UCC Removals
  • A + Rating
  • Stability Scores
Guidelines Concept. Word on Folder Register of Card Index. Selective Focus.


  • UCC Reviews
  • Debtor Review
  • Online Reputation
  • Consumer
Eye viewing digital information represented by circles and signs


  • Paydex
  • Liquid Credit Scoring
  • Cortera Scoring
  • Experian Commercial
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  • Monthly Sessions
  • Itemized Tasks
  • Progress Chart
  • Score Monitoring
Group of people working with laptops, tablet and smartphones together and making financial report


  • 6-Month Progress Reporting
  • Business Loan Targeting
  • 100% Profile Maturity
  • Graduation Certification
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  • Online Image Improvement
  • Corporate Alignment
  • Consumer Recovery
  • Industry Rating Growth
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  • Contracts
  • Loans
  • Property
  • Partnerships

Be a Winner

What Our Clients Are Saying

★ ★ ★ ★ ★

"I cannot thank Kredit Koncepts Business enough! Their team's dedication and strategic advice were instrumental in improving our business credit score significantly. This turnaround has opened doors to funding options that were previously out of reach. Truly a game-changer for our business!"

Rahman Larry

★ ★ ★ ★ ★
"After struggling to secure financing for my business, I turned to the Kredit Koncepts Business Credit Builder Program. Their guidance and step-by-step support were instrumental. With an enhanced business credit profile, I've accessed better loan terms, getting my business to purchase additional locations and expand our footprint in the market."

Carlos Severino

★ ★ ★ ★ ★

"Education wasn't my strongest suit, but owning a business was my dream. The business credit builder program didn't care about degrees; they cared about helping me succeed. Now, with better credit, I've expanded with new locations, proving that determination and the right guidance make all the difference."

Jasmine Lopez


How Long Does Credit Recovery Take?

Building business credit is a gradual process that varies in duration depending on several factors, including the initial financial status of the business, how actively credit-building activities are pursued, and the specific practices of credit reporting agencies. Generally, establishing a basic business credit profile can take anywhere from 3 to 6 months, assuming the business is actively engaging in credit activities that are reported to credit bureaus. For a more substantial credit history that would be attractive to lenders for more significant loans or lines of credit, businesses should anticipate a timeline of one to two years. During this period, consistent behaviors like timely payment of bills, prudent management of credit accounts, and regular monitoring and adjustment of credit practices based on credit report feedback are essential.

What is my 100% Money-back Guarantee?

Here at The USBA, if our vendor is unable to remove, fix, or correct any of the obsolete, unverifiable, incorrect items that you hired them to work on for you, from any of the 3 main Credit Bureaus (Experian, Transunion, and Equifax) after 180 days (6 months) of enrollment in the program, you are entitled to a 100% Money Back Guarantee of all your payments.

Can I Repair My Own Credit?

Yes, it is possible to repair your credit on your own. However, it can be a complex and time-consuming process. Many people choose to enroll in with credit recovery programs like those offered by The USBA because they specialize in quickly navigating the credit recovery process, with extensive experience working with credit bureaus and creditors to drive results.


The Credit Building Framework

Establishing Foundation

Focus on creating the necessary legal and financial groundwork for a business to start building credit separately from the personal credit of its owners. This initial phase is critical for distinguishing the business as an independent entity and involves several key steps including Regular Monitoring, Payment Practices, Credit Line Increases, Strategic Credit Applications and Education and Adaptation.

Building Credit

This is where businesses actively engage in strategies to establish and enhance their credit profiles. This phase is crucial for demonstrating creditworthiness to lenders, suppliers, and potential partners. Key activities include, Vendor Credit Lines, Business Credit Cards, Small Business Loans, Monitor and Manage Utilization.


Maintenance and Growth

Focuses on the ongoing efforts required to sustain and enhance a business's credit profile over time. After establishing a foundation and actively building credit, this phase ensures the business maintains its creditworthiness and positions itself for future financial opportunities. Regular Monitoring, Payment Practices, Credit Line Increases, Strategic Credit Applications and Educate and Adapt.


Personal Credit Recovery

Bounce back with Personal Credit Recovery – because everyone deserves a fresh start and a credit do-over.


Kredit Koncepts Financial Service has assisted individuals with credit recovery/building for over 15 years. The USBA Members get unlimited credit disputes to all three major credit bureaus for all negative/derogatory accounts listed on credit reports. You receive email support, credit education, result alerts, and updated monthly credit reports. Let us help you get the credit score that you deserve.

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