Build $250K–$1M in business credit lines without PG using vendor tradelines + no-PG cards + Divvy/Ramp.
The no-PG business credit build: (1) Register LLC with 411 phone listing, D-U-N-S number, business address (not virtual). (2) Open Net-30 vendor accounts (Uline, Grainger, Quill) — 3–5 reported to Dun & Bradstreet build PAYDEX 80+. (3) Add store-card tradelines (Home Depot Commercial, Amazon Business). (4) Graduate to Nav, Ramp, Divvy, Brex ($50K–$500K limits, no PG). (5) Bank lines of credit at $100K+ once PAYDEX 80 + 24 months in business. Timeline: 12–24 months.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.