What's the difference between the three tiers?

Starter ($497) is DIY-guided — we give you instructions, vendor templates, and a 30-minute strategy call; you do the registrations yourself. Blueprint ($750) is done-for-you on all 3 bureaus + 5 Net-30 vendors with 30-day follow-up. Concierge ($1,500) is Blueprint + 5 additional Tier 2 vendor accounts, NAV.com setup, business card application strategy, and 60-day follow-up.

Do I need good personal credit for this to work?

Business credit can be built on your LLC's identity using the EIN — separate from your personal credit. However, your first business credit card application typically still requires a personal guarantee, which means your personal credit affects approval. We work on the business profile in parallel with personal credit improvements.

How is this different from credit repair?

Credit repair addresses inaccurate items on your personal credit report. Business credit building creates a brand-new profile for your LLC from scratch — there's nothing to dispute, just tradelines to establish. The two services complement each other but solve different problems.

What's the monthly maintenance for?

Once your initial profile is built, ongoing maintenance ($99 or $149/mo) keeps it growing — adding 1–2 new vendor tradelines per quarter, monitoring your PAYDEX and Intelliscore, and confirming everything reports correctly. The $149 tier adds priority response and a quarterly written growth plan.

Can my brand-new LLC start immediately?

Yes — and that's the best time. The earlier you start, the sooner your tradelines age. A 12-month-old LLC with 6 well-aged tradelines outperforms a 5-year-old LLC with no business credit history when applying for SBA or acquisition financing.

Do you guarantee a Paydex score or business card approval?

No. We guarantee the work — registrations, vendor applications, follow-up, and the structural roadmap. Score outcomes depend on the client paying vendors on time and on each card issuer's underwriting at the time of application.

Business Credit Blueprint — Polanco Advisory Group

Business Credit Blueprint

Your LLC has its own credit identity. Let's build it.

Your business credit profile is a separate legal asset from your personal credit — and most small business owners never build one. Polanco Advisory Group registers your LLC with the three major business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business), opens reporting Net-30 vendor accounts, and prepares you to qualify for business cards and lines of credit without putting your personal credit on the line. Available in three tiers from DIY-guided to white-glove concierge.

Investment & Tiers

Three setup tiers, choose one. Optional monthly maintenance keeps your profile growing after the initial 90 days. All pricing is for the LLC — business credit work is not regulated by the federal Credit Repair Organizations Act (CROA) or Massachusetts c. 93 §68A, both of which cover natural-person consumers only.

Starter

$497 one-time

Best for newly formed LLCs with budget constraints, ITIN entrepreneurs starting from scratch, or owners who want hands-on learning.

DIY-guided — you execute, we structure
Bilingual (EN/ES) Master Roadmap PDF — bureau walkthroughs, tradeline ladder, ECOA rights, 90-day execution timeline
Step-by-step instructions for D&B (free DUNS), Experian Business (Intelliscore), Equifax Business (Payment Index + Risk Score)
5 Net-30 vendor application kits (Uline, Quill, Grainger, Crown Office Supplies, The CEO Creative) — pre-app checklist + coversheet + pay-early worksheet + tracker per vendor
30-minute strategy call with Bradley
Email Q&A for 30 days
Deliverables emailed instantly after Stripe checkout

Pay & Get Started →

Blueprint

$750 one-time

Our most popular tier. Best for established LLCs ready to delegate setup and start building toward business card approval.

Done-for-you registration with all 3 business credit bureaus
5 Net-30 vendor account applications submitted on your behalf
30-day follow-up to confirm tradeline reporting
Personal credit education guide (companion resource)
First tradeline verification across all 3 bureaus

Pay & Get Started →

Concierge

$1,500 one-time

Best for serious entrepreneurs scaling toward bankable revenue, preparing for SBA financing, or buying another business.

Everything in Blueprint
5 additional Tier 2 vendor accounts (revolving credit)
NAV.com setup with monitoring configured
Business credit card application strategy (Ramp, Brex, Amex Business)
60-day follow-up (vs. 30 in Blueprint)
Funding readiness assessment for SBA / acquisition prep

Pay & Get Started →

Monthly Maintenance Basic ($99) includes monthly business credit report review, 1–2 new vendor additions per quarter, and PAYDEX/Intelliscore tracking. Maintenance Plus ($149) adds priority response and a quarterly written growth plan. Maintenance can be canceled anytime. We do not promise or guarantee any specific funding amount, lender approval, or business credit score outcome — funding decisions are made independently by lenders based on the totality of your business profile.

Business Credit Blueprint

Investment & Tiers

Starter

Blueprint

Concierge

Everything You Need, Handled

All 3 Bureau Registrations

Net-30 Vendor Pipeline

90-Day Reporting Plan

Tier 2 Revolving Strategy (Concierge)

30-Day Follow-Up

Optional Monthly Maintenance

Built for Your Situation

Newly Formed LLCs

Established Owners on Personal Cards

Owners Preparing for SBA or Acquisition

ITIN Entrepreneurs

Our Process

Days 1–7: Bureau Registrations

Days 8–30: Net-30 Vendor Setup

Days 31–60: First Tradelines Report

Days 61–90: Business Card Application

Clients We've Helped

Frequently Asked Questions

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