Corporate Credit Building NBSG, LLC provides a range of credit services developed with the entrepreneur and small to medium size business in mind. We help business owners build their business credit. • Setup a Business Entity • Obtain a Tax ID Number (EIN) • Establish a Business Bank Account • Register with Business Credit Bureaus • Establish Business Credit History www.nevadabusinesssolutions.com

1. Corporate Credit

2. AN AMPLE SUPPLY OF CAPITAL
Capital = Money
Your Money
 Tends to be limited
 Intrudes on Personal Life needs and desires
 Risks Loss of previous successes
Other People’s Money
 Wider sources and deeper pockets
 Ability to separate Personal and Business Life
BUSINESS CREDIT = OTHER PEOPLE‟S MONEY
BUSINESS CREDIT = TIME TO TURN INVOICES TO CASH
BUSINESS CREDIT = ABILITY TO HANDLE THE UNEXPECTED

3. • Business Credit – Is also known as Trade Credit or Corporate
Credit
• Trade Credit is the single largest source of lending in the entire
world, even more then banks loan to businesses
• Trade Credit is when one business sells a product or service on
credit terms to another business
• Why would so many businesses extend credit terms?
 It allows them to sell more goods and services
 Their clients want credit
 Their clients need credit

4. PERSONAL CREDIT PROFILE BUSINESS CREDIT PROFILE
• FICO/Beacon • Paydex/Intelliscore
• Scores from 350-850 • Scores from 0-100
• Credit score determines • Credit score determines
 Loan/lease approvals  Loan/lease approval
 Interest rates  Interest rates
 Insurance rates  Credibility of business
• Three major credit bureaus • Four major credit bureaus
• Tracked by S.S.N. • Track by E.I.N./Name/Address
• Consumer Protection Laws • No State/Fed Regulation
• PRIVACY • NO PRIVACY

5. Factors Affecting Score Compilation
PERSONAL SCORE BUSINESS SCORE
• 35% Payment History • 100% Payment History
• 30% Balances Owed • Not all vendors Report
• 15% Length Of Time • VERY Interpretive by Bureau
• 10% Types of Credit • „High Risk‟ & „No Credit‟ Lists
• 10% New Credit
 # Recently Opened
 # Recent Inquiries
 Time since recent Open
 Time since last Inquiry

6. Two-thirds of new employer firms survive at least two years, and about
half survive at least four years.
Major factors in a firm‟s remaining open include:
• An ample supply of capital
• The owner‟s education
• Large enough to have employees
• The owner’s reason for starting the firm in the first place, such as
freedom for family life or wanting to be one’s own boss
Sources: Business Success: Factors Leading to Surviving and Closing Successfully by Brian Headd, Center for Economic
Studies, U.S. Bureau of the Census, Working Paper #CES-WP-01-01, January 2001; Advocacy-funded research by Richard
J. Boden (Research Summary #204)

7. Business credit can be built with any business entity, including a
sole-proprietorship or partnership, however a Corporation or LLC
is recommended.
• Corporation or LLC - many individuals incorporate to
separate their personal and business liability
• When the owners or officers apply for credit, many times
they provide a personal guarantee which now links them
personally, defeating the purpose of the corporate
structure in the first place
• By having a business credit profile and score, there will be
many opportunities in which no personal guarantee is
required

8. Why is Business Credit so Widely Used?
So Widely Misunderstood?
So Hard to Achieve?
No Laws Protecting the Business‟ Rights from
inaccurate information on the credit report
• Lack of information provided by business and the government
• Must research who are companies that offer credit
• Must research who the companies are that report trade experiences
• Must research companies who don’t require a personal guarantee
• Must research companies that don’t require a personal credit check
• It can take hundreds of hours of research to find all this

9. • Credit reporting agencies are serving you
• Good credit is built automatically
• No news is good news
• Good personal credit = Good business credit
WHAT IF NO CREDIT?
• Costly
• Limits options
• Limits growth
• Puts personal assets at risk
• Forces you to deal in cash
• Increases likelihood of failure

10. (Small Business Advocacy Stats)
• 23.7 million business in the United States in 2003
• 99.7% are small businesses less then 500 employees
• 572,900 new companies were formed in 2003
• 584,800 business closed in 2003 a drop of 11,900
• 1.08 new businesses are formed every minute
• 1.2 businesses fail every minute
• A change of share ownership occurs every 6 minutes
• A company changes control every 15 minutes

11. In any ONE Minute There are:
251 Suits/Liens/Judgments Filed
246 Telephone Number Changes
58 Address Changes
81 Officer Changes
41 New Business Openings
11 Name Changes
7 Bankruptcies
This Volume of Activity is vulnerable to MISTAKES:
• Wrong names on Applications
• Clerical Errors
• Wrong or Misread SSN, EIN
• Payments Applied to Wrong Vendor/Business

12. You and a Corporate Entity
You as a Sole Prop
CREDIT CREDIT
CREDIT
Personal Business Business
Personal
Life & Life & Life &
Life &
Assets Assets Assets
Assets
LIABILITY
LIABILITY LIABILITY
RISKY & LIMITING
SAFE, SECURE, FLEXIBLE & EXPANDABLE

13. W2-Individual Sole Prop Entity Corporate Entity
Personal Credit Only Personal & Business Personal & Business
Credit NOT Separated Credit Separated
Avg. Statistics Apply Avg. Statistics NO Avg. Statistics Apply
Longer Apply To Personal Credit
Business Creates: Business Credit Stats
- More Inquiries Apply To Business
- Higher Balances
- More Late Pays
- Less Available Credit
Credit Score Control Personal Credit Score Personal Credit Control
Out Of Control/Drop Biz Qualified For
Credit

14. The „Braking Factor‟
Personal Credit
GROWTH TARGET
Curve
STEADY STATE
Personal Credit Brake Applied
Personal Credit No Longer
Supports Business Credit Needs
Revenue Curve
More Inquires = Lower Score
Higher balances = Lower Score
Less Available Credit = Lower Score
Late Payments = Lower Score

15. • Reduces the need for personal credit checks
• Reduces the need for personal guarantees
• Access to lines of credit for business expansion
• Increase your monthly cash flow
• Save money by lowering the interest you pay
• Prepare for current and future lending needs
• Save time with major convenience of purchasing with open
lines of credit instead of cash
• Establish a business image and credibility
• Greatly increase your ability to succeed long term
• Achieve compliance with the business credit market
• Peace of Mind, knowing business creditors cannot attach your
personal assets
• Get Personal Credit back to averages for higher score
• Separate Personal and Business Credit

16. What Business Credit Can Do For You
FROM THIS TO THIS
• No Business Credit HOW? • Available Biz Credit Lines
• Burdened/Poor Personal Credit • Limited Personal Guarantees
Build The Business
• Not Able To Pay Yourself Credit Bridge with • Strengthened Cash Flow
• Every $ In Goes OUT Again NBSS • Qualified For More Credit
• Personal Assets On The Line • Personal Liability Reduced
• Loans Declined • Sleeping Easier
• NEED $ 1 2 3 4 • $s Remaining In Pocket
Profile Basic Report & More $
Credit Score

17. • Don‟t “buy” good credit
• Don‟t only rely on personal credit
• Don‟t start without being in compliance
WHEN TO ESTABLISH CREDIT?
• Before your credit profile is created
• Before you need it
• Now!

18. • Be in Compliance
BUILDING BUSINESS CREDIT
• Establish lines of credit
• Build trade references & payment history
• Get listed with the bureaus
• Continue to work with vendors and up limits
• Follow a structured program and work with the experts
CREDIT BUILDING TIMETABLE
• Not easy, but possible to do on own
• Need to start today
• 3-4 year process (possibly never)
• Our expertise accelerates the timetable to less than 1 year

19. • The following are ways to establish a Business Credit Profile:
• How:
 Business credit profiles can be built without trying, if you
are willing to wait years for it to happen on it‟s
own, however there is no guarantee you will ever have a
score
• Problem:
 Business owners can operate their companies for years and
never build a business credit profile or score - we have one
client who set up his company 22 years ago and was still using
his personal credit before coming to us
 If you don‟t have the knowledge of how business credit is
established and maintained you may never have it
 DON‟T FAIL IN COMPLIANCE

20. Continued
• How:
 You can try to work directly with each business credit bureau
to obtain a score and profile,
• Problem:
 DON‟T FAIL IN COMPLIANCE
 If you have not prepared your business properly before going
to the bureaus you can put your business in a HIGH RISK
status
 High risk is a status companies can be placed in with very
little opportunity to get out
 High risk will stop companies from granting your business
credit and those who already have granted credit may cancel
your account
 Most bureaus will not work with you, they just want to sell
credit reports

21. Continued
• How:
 You may use your personal credit to obtain credit for your
business with companies who report to the credit bureaus
• Problem:
 DON‟T FAIL IN COMPLIANCE
 This will start the process of building a business credit
profile, yet you are still using your personal credit and have
the possibility of lowering your personal credit score
 You are still personally guaranteeing the debt
 Once again if you have not prepared your business for the
bureaus you may end up in high risk
 There is also no guarantee the profile will ever provide a
score

22. • Work with National Business Support Services, LLC, a separate
company from the credit bureaus that will work for you and
educate you on how the system works
• Will verify and certify the business‟ requirements that lenders and
credit bureaus require, in order to stay out of the no credit status
• Will provide you with lists of businesses who will grant your
business credit without the need for personal guarantees or credit
checks
• Will insure you develop and establish a business credit profile
• Will list your business with several business credit bureaus and not
just one
• Will make sure you are in COMPLIANCE

23. Credit Builder Program!
Computer Line of Credit -------- $25,000
Equipment Lease ------------------ $15,000
Hardware Store Credit Line ---- $15,000
Electronics Store Credit Card -- $7,500
Department Store Credit Card - $5,000
Printing Company Credit Line - $2,000
Office Supply Credit Card ------ $1,000
Corporate Gas Card -------------- $1,000
Auto Lease and Loans –
Cadillac, Ford, BMW, Mercedes, Hummer, GM Trucks and more
All Without Personal Guarantees or Personal Credit Checks

24. FIRST: We Made Sure They Were IN COMPLIANCE
Tier 1 Credit: Smaller lines of Trade Credit
• No Personal Guarantee
• No Personal Credit Check
• No Business Credit Check
• Reports to Bureaus +ve and –ve Activity
Tier 2 Credit: Larger lines of Trade Credit
• No Personal Guarantee
• No Personal Credit Check
• WITH a Business Credit Check
• Reports to Bureaus
Tier 3 Credit: Banks & lending Institutions
• With a Personal Guarantee
• With a Personal Credit Check
• With a Business Credit Check
• Reports to Bureaus

25. • The Business Credit Builder is for those companies who have a
need to establish their business credit profile and obtain
various lines of credit for their business
• The goal of the program is to educate business owners and
assist them in developing a business credit profile and trade
credit with various companies around the country.

26. Deliverables
Detailed Research Report for compliance and problem areas
Credit Profiles with the Major Business Credit Bureaus
Open Lines of Credit with Various Companies
Calls from your Credit Coach to walk you through the steps of the
Credit Building program
• Access to our Business Resource Center online with
 Complete status of your business in the credit builder program
 Access to research and education materials

27. • START TODAY
– USE OTHER PEOPLES MONEY TO GROW YOUR BUSINESS
– Obtain the education needed to grow your business
• CONTACT NBSS FOR A FREE CONSULTATION:
– Review your Business Credit Situation and requirements
– See where Business Credit would benefit your Business
– Assess how your Personal Credit is being affected by your
Business activities.

28. Nevada Business Solutions Group, LLC
5550 Painted Mirage Road, Ste 320
Las Vegas, NV 89149
(Office) 702.818.1705
(Fax) 702.818.1706
info@nbsgllc.com
www.nevadabusinesssolutions.com