How many buisness owners have a Paydex or Dunn & Bradstreet credit history for their business. After 7 years of business I was able to finally get "true business credit", through a large funding group who; specifically loans money to Incorporated small business, for equipment, vehicles etc. The approval process, is similar to a conventional bank loan, with the added Paydex& Dunn & Bradstreet reporting, currently banks do not report to those credit agencies; furthermore all bank docs ie: checking & savings statements & earnings must be in business name no personal financial information is required or allowed This loan payment history will be reported to Paydex, and Dunn & Bradstreet; which is what really matters in establishing "business credit". Without this credit rating your loans will always be required to personally guarantee the equipment ie: reported to the three major CRA's; which pulls your personal credit score down. Secondly the loans will remain very small in the amount's. So I have finally separated my business credit from my personal credit No more depending on Scheffield financial their pockets are not that deep anyway Bottom line anything for business use attached to your personal credit does, nothing to increase your paydex or Dunn & Bradstreet credit rating; which does effect your ability to get 100% true business funding.