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Why Build Your Business Credit?

Why Have a Legal Business “Entity”?

What are Business Owners Biggest Mistakes?

Know Where You are Now and Where to Start!

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The biggest business financing mistake that almost every business owner makes is simply, not knowing how to properly setup their business to have its own business credit. They never learn how to obtain a business credit score separate from their personal credit score. It is easy to do, so why do less than 5% of all business owners ever do it? The answer is simple: No one teaches you how. Business schools don’t, trade associations don’t and banks certainly don’t.

In order to obtain business financing you must know where you are right now as far as your business setup is concerned and what your business credit rating is. Do you?

You must know what any lender is going to look at before you apply. Do you? If you don’t, you are completely wasting your time and you will become one of the 97% that get declined.

Being an entrepreneur is very challenging and it means that you are willing to take the risks that most people won’t.

Developing a business, requesting funding from strangers and facing rejections makes it even harder. Funding your business is a science as much as experience, skill and luck. Are you ready?

97% of all business loan applications are declined. Why?

A 2003 government study of U.S small businesses showed that out of 15.7 million business loan applications, 97% were declined. Why?

Lenders have underwriting approval guidelines that may include as many as 20 items and you may have no idea what even 1 of them are. Let’s look at a few…

So What Do You Do About It?

Our AL University Program is the finest product ever developed to instruct and assist you in the proper methods and steps that are required to setup your business credit. This will get your business ready to receive business financing and hear “approved.”

At AL University we give you the information to access thousands of lenders. However, we do not ask you any sensitive or confidential information that would be required to match you to their full credit underwriting guidelines. We don’t know if you have 5 trade credit accounts that report to the credit agencies. We don’t know if you have 3 “real business credit cards” that are not tied to your social security number.

When you apply for business funding, lenders will look at your personal credit and the business credit score to determine if they will approve your request, the amount, what the terms will be and if you will have to give a personal guarantee to secure the debt.

Begin by signing up for Real Time Credit Services through AL University. By doing this you will give yourself and AL University 24/7 access to your personal FICO score. It is important that anyone owning 10% or more of the business be enrolled in Real Time Credit Services, as their personal FICO score will have an impact on the business credit development. This will allow you and AL University to access the FICO scores for each person for all three (3) credit agencies and it will not cause an inquiry to appear on the credit history.

In order to successfully fund your future capital needs, it is important that you build a favorable credit score for your business. In order to build a business credit score it is vital that you follow the outlined steps exactly as presented.

Does This All Sound Like a Huge Amount of Work?

Having an excellent Business Credit Score will open up a world of new financing opportunities for your business. It will open up more funding programs to you in the future and you may not have to personally guarantee every deal.

Now, you can apply everywhere and be a real danger to yourself and your business, or you can use our AL University Program and get the expertise you need.

Along your entrepreneurial journey, take the time to thank those who help you. If you will treat others the way you would like to be treated, you will find that people will go out of their way to help you. We have tried our best to give you the benefit of our knowledge and experience. We sincerely hope that we have helped you.

In 2003 we founded Autumn Leaf Investment Club to help entrepreneurs like you. Our mission statement: “Autumn Leaf Investment Club is a dynamic leader in the investing & wealth development field. We are a mission-driven organization that aims to set the standards of excellence for investing. We are building an organization in which high standards permeate all aspects of our organization. Quality service to our Membership and clientele is a state of mind at Autumn Leaf Investment Club.” Today we are still working diligently to give business owners like you every opportunity to make their dreams come true. Along the way we have had lots of help.

Thank you to our staff and loyal Membership who have invested in Autumn Leaf Investment Club for years. The Staff and Membership have always shown us loyalty and stood by Autumn Leaf Investment Club regardless of changes in the market place. The commitment and steadfast relationship with our Membership has made it possible to continue to extend our services to innumerable entrepreneurs and it continues to be an honor to be ever present to assist more business owners around the world.