Author Archives: Marco Carbajo

Marco Carbajo is a guest SBA blogger, business credit expert, author, speaker, and founder of the Business Credit Insiders Circle. He is a business credit blogger for Dun and Bradstreet Credibility Corp, the SBA.gov Community, About.com and All Business.com. His articles and blog; Business Credit Blogger.com, have been featured in 'Fox Small Business,' 'American Express Small Business,' 'Business Week,' 'The Washington Post,' 'The New York Times,' 'The San Francisco Tribune,' ‘Alltop’ and ‘Entrepreneur Connect.’

How to Establish Business Credit for the First Time

Access to cash and credit is a business’s lifeline. Business credit allows a company to borrow money for purchasing products or services. It is based on the trust that payment will be made in the future. Why establish business credit? For business owners, having a separate legal entity, such as a corporation or limited liability company, provides the unique ability to create a credit identity with business credit reporting agencies, also…

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Five Key Ingredients in Creating a Small Business Website

small business website

A website is an essential element for running a successful business. A business without a website can potentially lose out on great opportunities since potential customers can’t reach you, find you and learn about you online. Creating a small business website can lead to many different ways to market your business and help it grow much faster than relying on traditional marketing methods alone. If you’re looking for a way to…

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Choosing the Right Business Structure

Choosing which business structure is right for you is a crucial step when starting a business. The entity you select has legal, financial and operational implications. Here are three factors to consider when choosing a business structure. Business Taxes Business owners must meet all federal, state and local tax obligations to stay in good legal standing. The type of business structure you choose impacts your personal liability and which taxes your…

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Five Factors that Impact Your Business Credit

business credit

When it comes to business credit, there’s no standard scoring model for assessing risk. Lenders, suppliers, banks, leasing companies, businesses, and finance companies all use different reports and scoring models depending on which business credit reporting agency they subscribe to. Your company’s business credit report shows banks, lenders, suppliers, vendors, and other businesses how your company handles its financial obligations. Here are five factors that impact your business credit. Creditworthiness Lenders have to believe…

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Build Your Small Business Credit

Build Your Small Business Credit

As individuals we spend years establishing, managing and protecting our good personal credit ratings. With strong personal credit, access to favorable interest rates and terms when applying for credit and financing may be available. When you have the ability to obtain financing at the best available bank rates for items such as a new automobile, home, or investment property, you have established a strong personal credit asset. As a business…

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Options to Fund Your Business Startup

As a startup with little to no business history, what are some quick ways to get funding? First, it’s important to understand since you won’t have a great deal of revenue, the key factor that lenders will look at is your personal credit worthiness. As you know, personal credit reports and credit scores are tools lenders and banks use to rate an individual’s credit worthiness. Whether you are in the initial stages…

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