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Credit Strong For Business

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Approvel Odds

N/A

  • Credit Strong For Business

    Multiple different product options with different loan amounts and terms to help you:

  • Build credit as cheaply as possible (Biz $2,500)
  • Build credit & savings simultaneously (Biz $5,000)
  • Build a large amount of credit (Biz $10,000)
    • Anyone is eligible, as long as we can verify your identity and business. Perfect for people with thin or no credit, since there is no credit check and no minimum credit score
    Business requirements, the company must:
    • Have a registered EIN (Employer Identification Number issued by the IRS
    • Be at least 3 months old
    • Be a LLC, partnership, or Corporation
    • Be located in the United States and have a physical US address place of business
    Individual requirements:
    • Own at least 25% of the business
    • Have no co-owner(s) that individually own 25% or more of the business
    • Be at least 18 years old and be a permanent US resident
    • Have a physical US residence
    • Have a valid SSN or ITIN
    • Have a valid identification document (Drivers license, State ID, Passport, Permanent Resident Card)
    Impacts 90% of the factors used to calculate your credit score
    • Payment history (35%)
    • Amount of credit (30%)
    • Length/age of credit (15%)
    • Credit Mix (10%)
    • New Credit (10%)
    We’ll report loan payments each month. Making on-time payments are a positive signal to credit bureaus and help your score.
    • All credit products are designed to give customers the ability (but not requirement) to demonstrate good financial behavior. The reverse is also true – Late payments are also reported!
    The account is reported and will appear on a customer’s credit profile within 30-60 days after the first loan payment due date
    • The first payment is due 30 days from account opening date and due on the same day each month
    How CreditStrong Business works: A secured loan is issued to you, and deposited in a locked savings account in your name held at Austin Capital Bank, the 5* rated community bank that powers CreditStrong
    • These funds are secured, meaning they are not made available to you immediately
    Each month, you make monthly payments towards the secured loan which pay down the loan balance
    Each payment is split into 2 portions
    • Interest: Cost for keeping the account open, account maintenance, reporting, etc. Think of this as the money you pay CreditStrong to build your credit.
    • Principle: this goes towards the loan balance and principal payments will be available for withdrawal on completion of your loan. Think of this as money you pay to yourself each month for future use.
    Each month, we report payment behavior to Equifax, PayNet, and SBFA. (remember:
    make complete, on-time payments so we’re reporting GOOD credit behavior!)
    • We plan to expand commercial credit reporting to Experian and Dun & Bradstreet in the near future.
    What happens when the loan is paid off?
    • Once the loan is paid off, the secured savings account is unlocked
    • The funds in the unlocked savings account can then be withdrawn
    • Once the account is paid off, it will be reported to credit bureaus as “Paid in full with a $0 balance” / ”Paid off”
    Canceling:
    • You can choose to cancel early with no prepayment or early termination fees.
    • If you cancel early, the difference is unlocked, and the funds in your saving account (if any) can be accessed and transferred to your payment method on file with no fees or penalties
    • If you have already made the admin fee payment and 1 or more loan payment (It will be closed out and reported as “Paid in full with a $0 balance” / ”Paid off” (which is the same as if you were to pay it off fully – there is no difference in reporting))
    • If you have not made any payments or have made the admin fee payment but not a loan payment. It will not be reported and will not show on your credit report o If you have made more than 1 loan payment and want to cancel early. We use your secured savings to pay off the remaining loan balance

    Divvy Business Credit Card

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    Approvel Odds

    N/A

    Divvy makes it easy to access the funding you need, no matter the size of your business.  Credit with Divvy has all the perks and benefits you’d expect from a robust business credit line. From features to rewards, you’ll love having credit with Divvy.

    In a nutshell, Divvy is a line of credit that used via a virtual charge card with rewards! Divvy also has free expense management software for you and your employees!
    • Fast and flexible business credit. Credit card rewards plus software benefits
    • Fast Approval and Multiple ways of underwriting
    • Scalable credit line
    • No annual fees
    • Flexible rewards.  It’s free to use for the entire company, plus earns 1-7X rewards.
    • Unlimited virtual cards.  Each employee gets a card that can be controlled by your admin. Set budgets to control spend

    NAV Business And Personal Credit Scores

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    Approvel Odds

    N/A

    Nav helps you identify the best option among our trusted partners for your business so you can make smarter decisions quickly and confidently. Better business credit scores open the door to better options for your business — and it all starts with our business credit-boosting plans.

    Use Nav’s exclusive benefits to potentially help establish your business credit rating, get cash flow analytics, and personalized recommendations for your small business you can’t find anywhere else.
    Business Basic – $0 / month
    • Business & personal credit reports
    • Actionable cash flow insights & alerts
    • 1-on-1s with credit & lending specialists
    • Identity restoration services
    • $1M Identity theft protection
    • Lost wallet replacement
    • Follow up to 5 businesses’ credit reports
    • Simple quarterly billing option
    • Tradeline reporting for business credit support
    Business Boost – $49.99 / month
    • Full business & personal credit reports
    • Actionable cash flow insights & alerts
    • 1-on-1s with credit & lending specialists
    • Identity restoration services
    • $1M Identity theft protection
    • Lost wallet replacement
    • Follow up to 5 businesses’ credit reports
    • Simple quarterly billing option
    • Tradeline reporting for business credit support  (Recommended)
    Business Loan Builder – $59.99 / month
    • Full business & personal credit reports
    • Actionable cash flow insights & alerts
    • 1-on-1s with credit & lending specialists
    • Identity restoration services
    • $1M Identity theft protection
    • Lost wallet replacement
    • Follow up to 5 businesses’ credit reports
    • Simple quarterly billing option
    • Tradeline reporting for business credit support  (Recommended)
    • FICO Small Business Scoring Service (Recommended)

    Business Credit Cards & Lines — Compare, Build, Grow

    Give your company the right funding toolset with CreditVana. This page curates business credit options that help you control spend, build file depth, and earn rewards – while our creditvana credit monitoring surfaces credit insights to guide smarter decisions.

    Top Picks on this page

    Credit Strong for Business (credit builder app) – Create or strengthen your business credit profile with installment‐style plans.

    Multiple products and terms can help diversify your mix and improve credit score fast over time through on-time payments.

    Divvy Business Credit Card – A modern spend-management card with smart budgets, virtual cards, rewards, and streamlined expense controls.

    Great for teams that need centralized limits, category rules, and cleaner books.

    Nav (Business & Personal Credit Scores) – See the business credit data lenders see and track improvements with actionable tips. Pair Nav with the credit vana app for ongoing credit score monitoring and optimization.

    Why CreditVana?

    • Side-by-side comparisons with plain-English fees, features, and eligibility.

    • Tools to check credit score for free (no trial tricks) and understand what is a credit score and what is a good credit score before you apply.

    • Guidance to layer funding with tactics like vendor tradelines and a business merchant account when you’re ready to accept payments. 

    Note: We sometimes include select partner offers (e.g., CreditCardBroker — https://creditcardbroker.com) to expand your choices.

    Best Rewards Cards

    1 International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

    2 Vana Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Vana Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Vana Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Vana Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Vana does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.

    3 Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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