Build a Fundable Business That Doesn’t Rely on Your Personal Credit

Most business owners don’t realize how much their ability to access capital is being limited by hidden factors. HeroCredit Business Suite changes that — giving you the tools, guidance, and support to separate your personal credit from your business, build a powerful credit profile, and unlock high-limit low interest financing.

Whether you’re launching, growing, or preparing for major funding — this is the system built to get you there.

Here’s How It works

How the Business Credit Suite Works

A 7-Step System to Build Fundability, Establish Real Business Credit, and Unlock Capital

Our Hero Credit Business Suite is more than just software—it’s your guided roadmap to building business credit, increasing your fundability, and qualifying for higher credit limits, better terms, and powerful funding offers. Here’s exactly how it works:

Step 1: Build Your Fundability Foundation

Start with your Fundability Score (0–890)—calculated based on real underwriting data lenders use to make approvals. You'll walk through a guided setup process to optimize every foundational element: business address, entity setup, EIN, phone number, domain-matching email, licenses, bank account, and more.

Step 2: Verify and Correct Business Credit Reports

Make sure your business is accurately listed with Dun & Bradstreet, Experian, and Equifax. The suite helps you identify and fix any inaccuracies across all three bureaus so you don’t get denied because of outdated or mismatched information.

Step 3: Apply for Tier 1 Vendor Accounts

Start building business credit by applying for 3 vendor accounts that report to the major bureaus. Choose from pre-vetted companies based on your industry, approval likelihood, and which bureaus they report to.

Step 4: Monitor Real Business Credit Reports

Track your business credit health with real reports from LexisNexis, Paydex, Experian, and more. Easily view how your vendors are reporting and get insights into your risk profile so you’re always one step ahead of lenders.

Step 5: Apply for Tier 2 Credit Accounts

With your first 3 vendors reporting, it’s time to level up. Apply for 3 additional vendors that require a bit more history—but come with even better credit terms and benefits.

Step 6: Unlock Tier 3 + Tier 4 Credit Opportunities

Once 6+ vendors are reporting, you’ll gain access to more exclusive vendors and benefits, including: High-limit vendor lines, equipment financing, fleet and gas cards, and vehicle financing. All using your EIN only, no personal credit required.

Step 7: Explore Funding Matches + Forecast Your Business Health

Your portal will show you which funding programs you qualify for in real time, including: SBA Loans, Lines of Credit, Revenue-based funding, SBA Loans and Equipment Financing. Plus, you’ll gain access to a cash flow forecasting tool, business valuation data, and even your company’s carbon footprint metrics – designed to help you scale efficiently and responsibly.

See It In Action

Want to see exactly how our HeroCredit software works – inside the actual platform? In this video, Small Biz Heroes founder Zach walks you through the full experience, showing you what’s included, how it helps, and what to expect as you start building business credit the right way.

What’s Included

Fundability Score Dashboard

Get instant access to your Fundability Score — a proprietary rating based on the same data lenders use to approve (or deny) financing. See exactly what’s holding you back and what to fix.

Guided Credit Building Support

Our advisors help you structure your business the right way, based on underwriting criteria lenders rarely share. You’ll set up and optimize your credit profile step-by-step.

Access to Reporting Tradelines

Gain access to real vendor accounts and credit lines that report to Dun & Bradstreet, Experian, and Equifax — the three major commercial credit bureaus.

Real-Time Credit Marketplace

Browse and apply for the largest database of starter, fleet, and vendor credit opportunities, all in one place, all pre-vetted.

Step-by-Step Growth Strategy

We guide you through building a strong credit file, starting with foundational accounts, and leading up to major approvals like business credit cards, vehicle financing, and unsecured lines of credit all without using your personal credit.

Why Business Credit Matters

Separate Personal & Business Finances

Stop putting your personal credit on the line every time you need funding.

Improve Approval Odds

Lenders look at your business credit when determining risk — strong scores mean better terms.

Qualify for Larger Limits

With 9+ reporting tradelines, you can access Visa, Mastercard, and Gas Cards with limits of $50K–$100K+. Not to mention fleet credit for adding new vehicles to your business.

Lay the Groundwork for SBA, Real Estate, and Growth Loans

A strong credit profile is essential for long-term funding.

Who It’s For vs. Who It’s Not For

Is This Right for You?

A step-by-step system designed to strengthen your business profile, build credibility, and unlock real funding opportunities.

This Is for You If

Not for You If

What Happens If You Don’t Build Business Credit the Right Way?

You stay stuck with low limits and high rates

You rely on personal guarantees — risking your credit and assets

You miss out on the capital that could scale your business faster

You overpay for financing that could’ve been far cheaper with a better credit profile

FAQs

I already have a business credit card. Isn’t that enough?

A business credit card is a great first step—but it’s not the full picture. Our HeroCredit platform helps you build a complete business credit profile, so you can unlock higher limits, better terms, and more financing options—without tying everything to your personal credit.

I get pre-approval offers all the time. Why would I use this?

Most pre-approvals are surface-level and don’t guarantee much. HeroCredit connects you to vetted funding sources that report to business credit bureaus – giving you long-term, reliable credit-building power and access to real capital that helps you grow.

I use my personal credit for my business. Why should I change that?

Using personal credit puts your assets and financial future at risk. Building true business credit separates your finances, protects your personal score, and opens the door to bigger, better opportunities – on terms that make sense for your business.

Can’t I just figure all of this out online?

There’s a lot of information online – but most of it is outdated or incomplete. HeroCredit takes out the guesswork by giving you direct access to over 300+ verified vendors and lenders, tailored recommendations, and a clear path to approval. You’ll know exactly who to apply with – and when.

My business is already set up. Do I still need this?

Yes. Even established businesses can run into hidden issues that block financing. HeroCredit identifies over 125 potential red flags that could stop you from getting approved – and shows you how to fix them fast. It’s the easiest way to position your business for serious growth.

Join Hundreds of Other Business Owners Who Took Control of Their Credit

The team at Small Biz Heroes has helped business owners across the U.S. and Canada build credit, access better funding, and finally understand what lenders are really looking for.

Ready to leverage business credit and secure better funding options?