Attention: Small Business Owners, Entrepreneurs, and Contractors
Discover How Business Owners Are Unlocking $50K–$250K in Business Funding (Even Without Business Credit History or Tax Returns)
From: David Ramirez
Chandler, Arizona
Let me know if you have experienced this…
Your business always feels broke
You followed the bank’s advice to build business credit… but you still can’t get approved for a credit card
You don’t have tax returns… or the ones you have show too little income so you get approved for tiny amounts (or nothing at all)
Have you ever thought…
“How do other business owners get money so easily?”
If you’re reading this, then you’ve just been handed the key s to unlocking the real secrets of business credit even if you’ve been told you don’t qualify.
My name is David Ramirez and I’ve helped small business owners get $50K–$250K in business credit without tax returns, revenue docs, or business credit history.
Just the right strategy and the right lenders.
But I didn’t start out knowing any of this.
In fact, I did everything wrong at first.
Not because I was dumb but because I was listening to the wrong people.
I was 22 years old, working at GoDaddy, and formed my LLC from my friend’s house in North Scottsdale on May 23, 2018 trying to figure out how to make Shopify drop shipping work.
Back then, I thought just having an LLC made me official.
Like, “Cool, I got a business now let’s get this money.”
But I didn’t know anything about credit.
And like most people, no one ever taught me that stuff.
YouTube. Blog posts. Forums.
Just soaking up whatever I could taking notes, experimenting, messing up all while working with my best friend Chris, trying to figure this game out.
How to get my credit right, what lenders actually wanted to see, and how to stop getting denied.
I started applying for credit cards, keeping my balances low, and building comparable credit.
Slowly started to figure it out.
Then I came across something called credit stacking where people get approved for multiple cards in one go by applying the smart way.
It wasn’t about luck it was about knowing which banks pull from which bureaus, and spacing out your apps so they don’t overlap.
I learned how to time my applications, choose the right banks, and remove inquiries after so my credit stayed clean.
That opened my eyes to how the system really works.
From there, I started getting into credit repair too.
At first, it was just for me I wanted to clean up my reports.
But once I saw it worked, I started helping friends fix theirs too.
I was deleting collections, cleaning up late payments, and disputing inquiries like clockwork.
Removing collections, fixing late payments, getting inquiries deleted.
All trial and error… but I was figuring it out.
Then COVID hit.
Right around that time, I had just started working at Bank of America, trying to learn more about credit and banking from the inside.
My First Time Getting Funded
That’s when I started hearing about PPP loans the Paycheck Protection Program for businesses with employees.
And from what I was seeing…
Everyone was getting approved.
People who shouldn’t have qualified at all…were getting thousands.
It was wild.
And I thought if they’re getting approved, maybe this is my shot.
I already understood how credit worked on the personal side.
If you want bigger limits, you need to show you’ve already managed similar accounts.
That’s called comparable credit.
Like… if you want a $20K credit card, it helps if you already have a few cards with $3K–$5K limits.
Lenders want to see you’ve handled something close to what you’re asking for.
So I figured it worked the same with business credit.
If I could get a business loan and pay it off, maybe it would show up on my reports and help me qualify for more down the line.
But then I hit a wall:
You needed employees to qualify.
And at the time…I didn’t have any.
So that door closed quickly.
But during all that research, I stumbled onto something else:
The EIDL loan.
It was part of the SBA’s COVID relief program and this one didn’t require employees.
You just needed basic business info.
And the best part?
Payments were deferred for a year.
So on April 5, 2020, I applied.
By July 25, I was approved but only for $1,000.
Why so low?
I didn’t have business tax returns.
I couldn’t provide other business
financials.
My business was too new, and I didn’t know how to set it up right.
Still, I was hyped.
I had my first business loan.
I thought, "Cool, mission accomplished, this will help build my credit."
So I waited for it to show up on my reports.
And waited…
By the end of October, I decided to check my business credit history since it had been about 3 months and they should have reported payments by now.
So I signed up for NAV Boost (now called NAV Prime) on October 30, 2020 just to keep better track of my business credit.
It’s basically like Credit Karma, but for business.
Instead of buying your reports separately from Dun & Bradstreet, Experian Business, and Equifax Business which can get expensive.
NAV pulls all three into one place.
It even gave me my first Net 30 tradeline.
But when I logged in and checked my business credit report?
Nothing was being reported.
I thought it was odd since about 3 months had already gone by.
Either way I decided to wait a bit longer since “maybe it takes longer to report on the business side” I thought to myself
Not What I Expected
So I paid it on January 9, 2021, I paid off my EIDL Loan.
Then I checked my business credit reports…Still nothing.
I thought something was wrong because I got the EIDL loan in July of 2020 and it was now January 2021.
A full 6 months had passed and still nothing.
I called the SBA directly and was hit with some bad news:
“We don’t report on-time payments to EIDL loans. We only report if the account defaults.”
That’s right, The SBA wasn’t reporting payments to business credit bureaus.
All that money I paid back?
Didn’t help my business credit profile…
Let that sink in.I took out a loan, paid it off responsibly…
And it didn’t help my business credit at all.
I was back to square one.
That’s how I learned the hard truth:
Not all business loans build business credit history.
Some never show up on your reports unless you mess up.
Chasing Net 30s
I remembered NAV had given me a Net 30 account and it actually reported to the business credit bureaus.
At the time, I didn’t even know what a Net 30 was… but it felt like my first real lead.
Over the next few months, I started learning:
Net 30s also called vendor accounts or net term accounts are basically credit lines to buy stuff directly from a vendor.
The vendors themselves usually issue the credit, not a bank or lender.
You order what you need office supplies, shirts, cleaning products and you get 30 days to pay the invoice in full.
There are different types of net terms: Net 7, Net 30, Net 60, etc.
The number just means how many days you have to pay the invoice off in full since it is not credit that revolves every month.
Most vendor accounts let you apply with just your EIN. Some require a DUNS number, but not all.
Still, I got my DUNS number just to be safe.
But what really matters is whether or not the account reports to the business credit bureaus because not all vendor accounts do.
The ones I got did, and that’s what helped me start building a history.
On December 17, 2021, I picked up three more Net 30 accounts:
Uline (can’t remember the limit)
Summa Office Supplies ($2,000 limit)
Business T-Shirt Club ($5,000 limit)
Now I had four tradelines reporting (NAV was my first).
My reports were about to look stronger but I still didn’t have real funding.'
April 1, 2022 business was now being found in business credit reporting bureaus June 2, 2022 had business credit score.
Only later did I realize this was vendor credit meaning I was building credibility with mainly vendors, not lenders.
Not credit cards.
Not lines of credit.
Just history to help me qualify for more vendor accounts from vendors like the ones I already had.
Then Came the Gas Cards
Around that same time, I started learning about gas cards credit lines specifically for fuel and transportation expenses you could use at gas stations and truck stops.
They’re basically vendor accounts, but tailored for the road.
A lot of people in business credit groups were using them to build history, and I figured maybe that was the missing piece.
They looked more “legit” than the basic Net 30s I had…
And I thought adding more tradelines might finally unlock real funding.
Most gas cards let you apply using just your EIN, and while some asked for a DUNS number, not all did.
Either way, I had mine ready just in case.
And before applying, I made sure the ones I chose reported to the business credit bureaus.
I wasn’t about to waste time again on accounts that didn’t help my file.
So on May 6, 2022, I filled out the application for Shell…But backed out before submitting.
Wasn’t sure if I’d get approved and I didn’t want an unnecessary inquiry on my record.
But a few days later, I decided to go for it:
May 11, 2022 – Approved for AtoB gas card
May 13, 2022 – Approved for Fuelman ($2,000 limit)
June 26, 2022 – Made my first payment on a Phillips 66®-Conoco-76® gas card
Now I was going to have seven tradelines reporting!
NAV (basic Net 30)
Uline
Summa Office Supplies
Business T-Shirt Club
AtoB
Fuelman
Phillips 66®-Conoco-76®
I was hyped! My business credit was growing.
And I felt ready.
These gas cards felt like the final tradelines I needed.
Even though I didn’t have real business credit yet like a card or a line, I felt like I was getting close.
All I needed now was to understand how these funding products actually worked…
Looking back, I realized I never really understood what I was applying for.
What I needed now was knowledge.
Knowledge on how business funding products work and how to apply the right way.
So I wouldn’t end up with another weak $1K loan like the SBA one.
I Did Everything Right… Right?
Before I applied for anything, I wanted to make sure I really understood what I was getting into.
I already had a general idea of what business credit cards, lines of credit, and term loans were...
But I needed to really break it down.
What made them different, how they worked, and what the banks were actually looking for.
At first glance, they all felt the same.
But the deeper I went, the more I realized each one had its own rules, limits, and hidden catches.
All banks wanted a personal guarantee meaning if your business couldn’t pay it back, you were personally on the hook.
Some offered secured products (where you had to put down a deposit or pledge assets)… while others were unsecured but harder to get without strong credit.
Then I found out about UCC liens basically a public filing that says,
“Hey, this bank lent money to this business and if they default, we can come collect.”
Some banks file a UCC for even small loans. Others only file once the amount crosses a certain limit like $50K or more. First position, second position, blanket liens, etc.
All this stuff matters, especially if you're planning to go after more funding later.
It can affect what you qualify for, how fast you get approved, and how risky you look to other lenders.
On January 20, 2023, I finally applied for my first business line of credit.
I was nervous but hopeful.
Felt like I had done everything right.
But then… I got denied.
Still to this day, I don’t know why.
They never gave a clear reason.
And that’s the thing about business lending.
Unlike personal credit, banks don’t have to tell you why they said no and denied you.
There aren’t the same regulations.
It could’ve been that they just weren’t lending much at the time.
Some banks tighten up for months at a time, and unless you’re an insider…you’d never know.
From Tradelines to Funding
Then it happened.
March 23, 2023.
After years of vendor accounts, gas cards, and credit building products.
I finally got approved...
Not for some Net 30 or fuel card.
A business credit card with a real limit.
And here’s the wild part:
No tax returns
No other business financials
No business credit history
All I needed was:
680+ personal credit score
Proper business structure
And the right lender who offers stated income products
That was the moment everything started to change.
But I also started to realize something deeper...
Most people aren’t getting denied because they’re not “ready.”
They’re getting denied because no one ever taught them how this game actually works.
The Better Way
Since that day, I’ve been able to repeat the process, get more approvals, and help other business owners do the same.
If I could go back and talk to my younger self…I’d tell him this:
Personal credit matters more than you think.
Forget the Net 30 obsession.
Forget waiting on a DUNS score.
If you want real funding, the bank’s first question isn’t “what does your business do?”
It’s “how’s your personal credit?”
Most people waste months or, if you’re like me, years trying to build business credit the wrong way.
I did too.
They chase:
Net 30s
Gas Cards
$100 tradelines
Vendor accounts that don't lead to cash
All while thinking they need “no personal guarantee.”
I spent hundreds of HOURS of my time reading articles, watching videos, and talking to other business owners to figure out how the hell they were able to get approved.
And after months of research, staying up late…through trial and error.
Eventually, I cracked the code.
I finally unlocked the secrets to building business credit
If you want $50K–$250K in real funding, you need to flip the script.
Start with your personal credit
Use stated income lenders
Structure your business the right way
Build real business credit from actual approvals not paper invoices
Stack business credit cards and credit lines
This is the information nobody ever taught me.
Not the banks.
Not the YouTube gurus.
Not any of those overpriced business credit courses.
And this strategy works for all types of business credit:
Business loans…
Lines of Credit…
Equipment loans…
Business Auto Loans…
Vendor tradelines…
And more…!
This is the exact strategy I use (And You Can Too).
1️⃣ Start With Personal Credit
680+ FICO on all 3 bureaus
Low credit utilization (5–10% is best, but under 30% works)
No recent late payments, collections, charge-offs, bankruptcies, judgements, or other negative items
No more than 2 hard inquiries
If you’re not there yet, fix that first because business lenders still check personal credit (especially when you’re new).
You will want about 3 credit cards and 2 installment loans (personal, auto, etc) with at least 2 years of positive payment history.
The more positive and longer credit history you have, the better.
2️⃣ Structure Your Business the Right Way
Banks don’t just care about your credit ,they care about how you set up your business.
Legit LLC or Corporation
EIN and business bank account
Physical Business address (not a virtual address)
NAICS code that’s not high-risk
This makes your business look credible on paper, so you don’t get flagged before they even look at your credit.
3️⃣ Use Stated Income Lenders
This is the move that most people miss.
Apply with lenders that don’t ask for tax returns or business financials.
They go off:
Personal credit
Business structure
Stated income (aka: no docs required)
This is how I’ve helped people get $25K, $50K, even $100K+ without ever submitting a tax return.
4️⃣ Stack Credit the Smart Way
Don’t apply randomly and hope for the best.
Instead:
Legit LLC or Corporation
EIN and business bank account
Physical Business address (not a virtual address)
NAICS code that’s not high-risk
This is how we get 3–7 approvals at once.
It’s called credit stacking and it works like magic if you do it right.
5️⃣ Use the Approvals to Build Real Business Credit
Once you’re approved:
Use the cards to build payment history
Get limit increases after 3–6 months
Apply for more funding (lines of credit, term loans)
Maintain positive personal credit history
"Imagine What Your Business Could Do With an Extra $50K–$250K…"
As I was building my business credit and documenting all of the “Secrets” I was discovering in real time, my self-employed friends started asking me to help them with their business credit.
I didn’t plan on teaching this.
But the results were too real to keep to myself.
So I started documenting everything.
Every approval. Every lender. Every trick and mistake.
At first, it was just a guide for my friends.
But over time, it turned into something bigger.
This guide that originally was meant for my friends has evolved into my new video guide called:
Tradeline Secrets: How Business Owners Can Get $50K-$250K in Business Funding in 6-12 Months
Since sharing these “Tradeline Secrets” with others, I’ve helped dozens of business owners increase their fundability even those with new LLCs, no revenue, or no clue where to start.
If you are a business owner- these “tradeline secrets” will help increase your credibility so that you can get approved for any type of business financing!
And here’s more great news!
First, building business credit doesn't mean you have to spend years figuring it out like I did.
Building business credit is a process… it has patterns… it follows frameworks everyone, including you, can use to get results…FAST!
Second, I want to help you to unlock your business profile, and increase your credibility so you can get access to more money so that you can scale your business as well!
Tradeline Secrets: How Business Owners Are Unlocking $50K–$250K in Business Funding (Even Without Business Credit History or Tax Returns)
Secret #1: Credibility Framework…Learn to structure your business so that you can increase your chances for instant approvals ($97 value for the time and money saved)
Identify exactly WHAT will prevent you from unlocking your business profile so that you can get instant approvals (The most important step before you start!)
Review how credible your business is with my Credibility Checklist
Learn how to structure existing and new businesses
Secret #2: Establishing Credibility..create your business profile so that lenders and banks take you serious when applying ($300 value)
Correct all errors and inconsistencies on your business profile
How to establish a business address, phone number, email, and website on any budget…
Don’t have a business? I will show you exactly HOW to create a business entity from scratch along with every website you will need to register a business…
Secret #3: Complete Your Profile…the most overlooked step that can cost you from getting instant approvals ($49 value)
Where and HOW to get your free DUNS numbers along with a free EIN! (Without these numbers you can’t apply for most business products)
Quickly update your business information if you already have a business entity…
Overview of checking accounts for new and existing businesses!
Secret #4: Unlock Your Credit Profile…easy approval tradelines to start building business credit as quickly as possible ($97 value, not including your tax savings)
Where to apply for vendor accounts, Net 30s, and other Net term accounts!
The only website you will need to check your business credit!
Where to get instant approval of corporate gas cards under your business only!
Secret #5: Business Funding Mastery…How to get approved for your first business loan ($199 value)
Learn to find Top lenders that love lending to business owners!
Know exactly what you will need before applying to increase your chances of getting approved!
What Are Other People’s Results After Enrolling In ‘Tradeline Secrets?’
As You Can See...
Tradeline Secrets Has Already Helped Countless People Unlock Their Business Credit Profile...
The Question Is, Are YOU Next?
And because my goal is to help as many people, I’m including these FREE Bonuses to help you avoid mistakes, boost approvals, and stay fundable even after you finish the guide!
Bonus #1: Financial Terms Cheat Sheet...Learn to talk like the banks so you can speak with confidence when applying for funding! ! ($17 value)
One of the biggest obstacles people face after completing Tradeline Secrets is not knowing the terminology lenders use.
I’m going to provide you with a list of the most common funding terms you need to know and how to talk to banks and lenders when applying. How you present yourself is everything when you are about to apply for funding!
This way, when a lender throws around phrases like “UCC lien” or “stated income” you’ll know exactly what they’re talking about and how to respond without hesitation.
Get This For FREE When You Enroll In Tradeline Secrets Today!
Bonus #2: Restricted NAICS Code List and Reclassification Guide…Avoid getting denied just because of your industry ($97 value)
Some industries are flagged as “high risk” by banks and if your NAICS code falls into that category, it could be the reason you’re getting denied without you even realizing it.
I’ll also show you how to change your NAICS code the right way, so you can improve your approval odds without changing your actual business.
Get This For FREE When You Enroll In Tradeline Secrets Today!
Bonus #3: Call Scripts + Blank Lender Sheet…Learn exactly what to say when calling banks for funding ($1,500 value)
I’m going to give you my personal call scripts for reaching out to banks and lenders about business credit cards, lines of credit, term loans, and merchant cash advances.
You’ll also get a blank lender sheet so you can track who you spoke to, which bureaus they pull from, and what terms they offer so you never have to rely on a broker again.
Get This For FREE When You Enroll In Tradeline Secrets Today!
Bonus #4: How to Open a Business Bank Account the Right Way…Set up your banking foundation to increase funding approvals ($249 value)
I’ll walk you through exactly how to open your business checking accounts the right way using the same method I teach my private clients.
You’ll learn how to pick the right banks based on which ones offer the funding you want, what to say (and what not to say) when opening your accounts, and how to build real relationships with each bank over time.
This strategy is the key to unlocking funding in 60–90 days from real banks that offer real business loans, not just stacking credit cards.
Get This For FREE When You Enroll In Tradeline Secrets Today!
Bonus #5: Traditional Merchant Accounts vs. Payment Processors…Choose the right payment setup so you don’t pay too much in fees ($39 value)
Most business owners don’t realize that the way they accept payments can impact how lenders view them.
I’ll break down the difference between merchant accounts and payment processors like Stripe, PayPal, and Square and why it matters for funding.
You’ll learn which options raise red flags with banks, how to pick the setup that makes your business look stable, and how to switch if you’re using something that could be hurting your credibility.
This one shift can improve your approval odds overnight.
Get This For FREE When You Enroll In Tradeline Secrets Today!
Bonus #6: 0% Credit Card Stacking and Startup Funding Strategy…Learn how to unlock $50K–$250K with no tax returns or business credit ($12,999 value)
Get This For FREE When You Enroll In Tradeline Secrets Today!
And that’s only a peek of what you’ll discover inside this ultimate business credit guide. You’ll also be able to get support throughout the whole process at no extra charge through text or email.
Instead of paying the total cost of $15,643 you will get everything for FREE
Now, I know what you’re probably thinking.
"I Won’t Have Time (Or I Can't Afford It)"
And that’s exactly WHY you need to enroll today into Tradeline Secrets.
If you had time, you wouldn’t need it. This guide will show you exactly how to get financing within 3-5 months without wasting months figuring it out on your own. All it takes is about 15 minutes a week to implement these secrets into your business.
And if you’re nervous that you won’t be able to afford this guide?
Well ask yourself this:
“How many years are you willing to waste learning this on your own while other people are out getting money?”
It took me five years to figure this out.
Five years of missed approvals.
Five years of being underfunded.
Five years of watching other people get money while I stayed stuck.
And I’m giving it away for free.
Oh, and in case you're wondering why I'm doing this…
Well, there are a few reasons…
This is my way of helping other people.
Because (unlike other “gurus”) I don’t make money selling my guide (I make money from selling business loans)... so because of that, it doesn’t hurt me to share with you all my secrets to building business credit.
I get one of my brand new guides in your hands, and when you see how awesome it is, it should get you excited to buy other stuff from me in the future.
I’m sick of seeing business owners get taken advantage of by banks, coaches, and the countless credit counselors that try to sell sh*t that doesn’t work. I thought it would be a breath of fresh air if I released the TRUTH and help others make the modern financial system their B*tch!
Time is of the essence…
Here’s why…
As of now I am only charging FREE for LIFETIME access to my guide.
If this page is still here, then the offer is still valid.
But I reserve the right to pull it down at any time.
Here Is My "Better Than FREE" Guarantee…
I 100% guarantee that you'll love this guide, or I'll hop on a call to help you get started.
That's right. Just email me or text me directly and I'll give you back your money… no questions asked.
That’s how confident I am that you will absolutely love this.
Sound fair?
Let me summarize everything you get when you enroll in ‘Tradeline Secrets’ today!
Complete Video Guide Of Tradeline Secrets ($742 Value)
Total Value: $15,643
Get Lifetime Access Today For
FREE plus access to these bonuses for FREE
Financial Terms Cheat Sheet ($17 Value)
Restricted NAICS Code List and Reclassification Guide ($97 Value)
Call Scripts + Blank Lender Sheet ($1,500 Value)
How to Open a Business Bank Account the Right Way ($249 Value)
Traditional Merchant Accounts vs. Payment Processors ($39 Value)
0% Credit Card Stacking and Startup Funding Strategy ($12,999 Value)
At This Point..
You Have A Really Easy Decision To Make:
Choice #1: Do nothing, continue to spread yourself thin month after month and hope that one day you achieve the success you want for your store
With this choice, you can just leave this page and go on with your day. That’s fine. But then you’ll continue to feel frustrated every time your success is limited by how much capital you have available.
Choice #2: Spend hours of your time learning it on your own instead of focusing on scaling your business
If you want to go down this rabbit hole, you can start by Googling comparable credit. But you’re only going to continue to feel insane after spending hours reading the same information repackaged 10 different times.
And when you decide to visit your local bank or credit union
But luckily there’s choice #3: The Better Choice…
Choice #3: Save hundreds of hours of your time by following the simple methods I show you in Tradeline Secrets
If you act now you can get lifetime access to Tradeline Secrets so that you can get access to the credit you need to experience record profits and achieve the success you want for your business!
I found that people that are smart and that value their time pick this option, it really is a no brainer.
Thanks for taking the time to read this letter and I look forward to seeing you win!
Thanks,
David R.
P.S. In case you're one of those people (like me) who scroll down to the end of the letter, here's the deal:
I’m giving you Lifetime Access to my guide Tradeline Secrets: How Business Owners Can Get $50K-$250K in Business Funding in 6-12 Months (that retails at $1,742) for FREE. Yes, you pay NOTHING and you get lifetime access.
There's no catch... no gimmicks… I’m simply doing this to help as many people as I can.
In fact, if you don't love the guide - use My "Better Than FREE" Guarantee and I will personally help get your business funded. That’s how confident I am that you’re going to absolutely love this video guide.
So, Click the button below to get ACCESS right now. I look forward to seeing you win!
