Establish 3–5 LLCs, build independent credit on each, aggregate $500K–$2M in business credit without cross-liability.
Advanced: create 3–5 LLCs (each with separate D-U-N-S, EIN, address, phone), build PAYDEX 80+ on each over 12–18 months, then each LLC independently qualifies for $100K–$500K in business cards/LOCs (Ramp, Brex, Divvy, Bank LOCs). Aggregate: $500K–$2M. No cross-guarantees; each entity holds distinct assets. Owner is member/manager but doesn't PG. Use for RE holding co, ops co, IP co, management co structure. Legit — many franchisees / real estate investors do this.
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.