Business credit & fundability
Build business credit that lenders take seriously.
Flores Capital Partners helps business owners separate business credit from personal credit and get ready for funding, one stage at a time.
- Answer a few questions about your business in one short form
- Get the guide: The 6 Secret Stages to Building Business Credit
- Talk through your answers with Marjorie one-on-one
Who we help
For owners who want their business to stand on its own credit
New businesses
Set up the foundation correctly from the start so business credit can grow.
Owners relying on personal credit
Stop putting every purchase and loan on your own name and score.
Owners who were turned down
Find out what lenders checked and what to fix before you apply again.
Businesses preparing for funding
Get your banking, records, and credit files ready before you need capital.
What lenders look at
Business credit is only part of the picture
Fund·a·bil·i·tyHow your business measures up in the eyes of lenders, investors, insurers, and suppliers.
Your business was worth the risk to you. Fundability is whether it looks worth the risk to them. Improving it does more than raise a score; it makes your whole business healthier and easier to finance.
Business bank accounts
How your accounts are set up and how banks rate them.
Business assets
What your business owns and how it can support credit.
Business revenue
The income that shows lenders you can repay.
The owners and their credit
Your personal credit history still plays a role, especially early on.
The roadmap
The 6 stages to building business credit
Stages 1 and 2 build the foundation. Without them, it is not possible to build business credit scores separate from your personal scores. Stages 3 through 6 are where the credit gets built.
- 1Foundation
Set the foundation
Entity structure, EIN, business location, 411 listing, and matching details everywhere lenders look.
- 2Foundation
Optimize fundability
Banking, assets, revenue, and the owners' personal credit.
- 3Build
Open your credit files
Get set up with Dun & Bradstreet, Experian, and Equifax.
- 4Build
Starter vendor credit
Net 30 accounts that report, with a goal of at least five.
- 5Build
Retail credit
Revolving accounts that build credit on a larger scale.
- 6Build
Bank credit
Your bank rating and funding programs for the next round of capital.
is a typical timeline to build business credit scores. Vendor accounts need about three reporting cycles to show up in your files, and those cycles cannot be rushed.
How it works
How to get started
Fill out one short form
Answer a few questions about your business and download the free guide.
Talk with Marjorie
She calls you to go over your answers and which stage to focus on first.
Follow your plan, stage by stage
Use the Lendavo business credit building system to work through each stage and track your progress.
About
Marjorie Flores-Levert
Founder, Flores Capital Partners · Lendavo partner
Marjorie is a South Florida business owner and real estate investor who knows firsthand what it takes to get a business funded. She founded Flores Capital Partners to help other owners build business credit the right way, without guesswork.
As a partner of Lendavo (formerly Fundability), she pairs a proven business credit building system with personal guidance, so you always know your next step.
Let's talk
Request a call or send a message
Send your details and a good time to reach you, and Marjorie will get back to you.
- Phone
- (754) 318-5900
- Based in
- South Florida · working with clients nationwide
Questions
Frequently asked questions
What is business credit?
Business credit is a credit history tied to your business's EIN rather than your Social Security number. It is tracked by business credit agencies such as Dun & Bradstreet, Experian, and Equifax, and it lets your business qualify for credit on its own.
How long does it take to build business credit?
A typical timeline is 90 to 120 days to build business credit scores. Vendor accounts need about three reporting cycles before they show up in your files.
What is a Fundability Review?
It is a short set of questions about your business setup, banking, revenue, and credit. Marjorie reviews your answers with you on a call and shows you which stage to start with. You can also take the detailed online Fundability Scan if you want a full report.
Do I need an LLC or corporation?
Your business entity structure is part of Stage 1, the foundation. We go over what fits your situation when we review your scan.
Will building business credit help if my personal credit is not perfect?
Personal credit still matters, especially early on, but the goal of the stages is a business credit profile that stands on its own. Your scan and call will show where to begin.