TRIPLE BUREAU PULL
Capital One Spark Business cards (0% for 9 months) are some of the easiest to get approved for and were very unpopular for two reasons: They pull ALL 3 bureaus and report debt to your personal.
As of November 2020 Capital One announced they will no longer report the card to your personal credit.
If you Freeze ONE Bureau they will pull two and you can still get approved. If you freeze any more than one bureau you will be auto denied.
EXPERIAN BUREAU PULL
In Business Minimum 1 year.
REPORTS TO PERSONAL CREDIT.
0% for 12 months.
EXPERIAN BUREAU PULL
Approvals up to $25k, does not report to personal. No documentation required… stated income.
Experian and Transunion BUREAU PULL
In Business Minimum 2 years.
Does not report to personal credit. 0% for 6 months.
EQUIFAX BUREAU PULL
In Business Minimum $50k revenue, in business 1 year.
REPORTS TO PERSONAL CREDIT.
0% for 6 months.
FLEET CARDS
With an 80 PAYDEX score and 5-7+ Accounts reporting it is possible to get approved for Fleet Cards without a Personal Guarantee.
Apply for (5) Accounts before moving onto Business Lines of Credit and Loans.