Why this matters
Lenders score your business, not you. An LLC or corporation registered in good standing, with an EIN and a real business phone, separates your personal credit from your business credit.
Do this
- Form an LLC (or C-Corp) in the state you operate.
- Get an EIN from the IRS — free, ten minutes online.
- Open a business bank account in the entity name.
- Get a dedicated business phone (a virtual number is fine).
- List your business in 411 and Google Business.
When your business has a name, an EIN, an address, and a phone separate from yours, you're ready for Step 2.