Many entrepreneurs blur the line between business andpersonal credit. Lenders, however, look at both separately—and mixing them can limit growth.
## Personal Credit
- Impacts early-stage funding and small business loans.
- Includes FICO score, credit history, and personal guarantees.
- Strong personal credit (680+) often required to qualify initially.
## Business Credit
- Established through EIN and vendor accounts.
- Impacts vendor terms, higher loan limits, and corporate cards.
- Major bureaus: Experian Business, Equifax Small Business, and Dun & Bradstreet.
## Why Separation Matters
- Protects personal assets from business risk.
- Builds capacity for larger financing.
- Improves negotiating power with lenders and vendors.
### Example
PAC Consulting worked with a developer who maxed personal cards to fund projects. By separating business credit and establishing trade lines, they later secured a $400K line of credit with no personal guarantee.
PAC Consulting helps owners nationwide build and separate credit. Let us position your business for long-term financing success.