Business Credit Setup & Repair
Build Real Business Credit Without Using Your Personal Credit
Most business owners fail to get approved because their company isn’t structured correctly, their personal credit needs fixing, or they apply for funding in the wrong order. We fix all of that. Our team builds your business foundation the right way, strengthens your personal credit if needed, and walks you through the exact funding sequence banks actually approve.
What We Offer
Personal Credit Fix & Structure
If your personal credit is holding you back, we repair it first. We help you clean negative items, optimize your score, and structure your profile so lenders see you as funding-ready.
Guided Business Credit & Funding Sequence
We walk you through the exact order of applications, vendor accounts, reporting lines, and business credit cards — so you build true business credit and unlock real funding. No guessing. No mistakes. Just a proven sequence that leads to approvals.
We Create Your Company the Right Way
We form your LLC or corporation from scratch, and set it up exactly how banks want to see it — compliant, credible, and fundable.
You can choose:
Full company creation & fundability setup: $500, or
Full setup + we help secure funding and take only 10% of what you’re approved for.
Why Choose HearTax?
We help entrepreneurs structure their personal credit, build their company the right way, and access real business funding — without relying on their personal credit.
Business Formation & Compliance
- Correct NAICS code (low risk)
- Business address, phone, 411 listing
- Domain email + website
- EIN – DUNS number
Business Credit Foundation
- Starter vendors (Net-30 accounts that actually report)
- Credit profile setup with D&B, Experian Biz, Equifax Biz
- Monitoring setup
Tier 2 & Tier 3 Credit
- Store cards, Gas cards
- Business credit cards
- Lines of credit
Funding Prep
- Bank-ready profile
- Personal-to-business strategy
- 0% card sequence
- Guidance to get approved for real funding