Entity and readiness review
We check your corporate standing, state filings, business banking and commercial listings against what lenders expect to see.
Give your business a credit history of its own.
Coaching for founders who want commercial credit tied to the company and its EIN, not to their personal guarantee.
- Best for
- Founders and owners building a standalone commercial profile
- You get
- A phased tradeline action plan
- We are not
- A lender, broker or financial institution
- Where
- Virtual, nationwide
Keep personal assets out of business credit.
Many owners lean on personal guarantees and personal cards for company spending, which puts personal assets at risk. Coaching separates the two. You build an independent profile tied to your Federal Employer Identification Number.
Entity compliance and verification
Secretary of State filings, corporate documents, a verifiable business address, a dedicated business phone listing and the right entity classification.
Credit bureau establishment
Claim your D-U-N-S number with Dun & Bradstreet and set up profiles with Experian Commercial and Equifax Small Business.
Tier 1 vendor tradelines
Net-30 and Net-60 vendor accounts that report on-time payments to the commercial bureaus without a personal guarantee.
Revolving and store credit
A path from entry-level vendors to Tier 2 retail and fleet credit as your commercial score, such as D&B PAYDEX, matures.
Lender underwriting readiness
Debt service coverage ratios, bank statement formatting and the criteria commercial lenders commonly weigh.
How we work with your business.
Tradeline action plan
You receive a phased plan naming vendors, credit tiers and application timing suited to your industry and how established the entity is.
Profile monitoring and verification
We help you confirm that vendor tradelines report accurately to the commercial bureaus, and how to track your commercial scores.
Scope. Top Tier Financial Solutions provides educational coaching, organizational guidance and dispute management support. We are not a lender, broker or financial institution. We do not provide, arrange or guarantee business loans, lines of credit, funding amounts or lender approval.
Questions owners ask.
Will you get me a loan or a credit line?
No. We are not a lender or a broker. We do not provide, arrange or guarantee funding, or lender approval. We coach you to build the profile lenders review.
What is a D-U-N-S number?
A nine-digit business identifier issued by Dun & Bradstreet. Many commercial lenders and vendors use it to find and evaluate a business.
Will this keep my personal credit out of it?
The goal is a business profile tied to your EIN that stands on its own. Some lenders will still ask for a personal guarantee, especially for a young company, and we will tell you when that is likely.
Start with your entity and your goals.
A free review shows where your business stands and what to build first.