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Business credit cards, in the business name.

A business card puts everyday spending in the business name. Issuers decide who gets one. ThickAFCredit is not a lender or a card issuer. We build the file they read.

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Not a card issuerLender-readyThat is what the buildout is for.

What a business card does.

Everyday spending.

Supplies, software, travel. The small stuff that adds up.

In the business name.

Business spending sits with the business, not mixed in with yours.

History, when it reports.

Some cards report payments to the business bureaus. Not all do. Ask the issuer before you apply.

Straight talk about cards.

What we do not do

  • Issue cards.
  • Rank cards or push issuers.
  • Promise an approval or a limit.

What we do

  • Build the business file an issuer reads.
  • Stack net-30 vendors that report.
  • Keep payments on time across every account.
  • Introduce you to lenders whose published criteria fit.

What issuers read before they decide.

Every lender publishes its own criteria. Most of them come back to the same questions. How long have you been in business? What is coming in? How have you paid what you owe? What do you already owe? Is the paperwork ready?

A thin file leaves those questions open. A thick file answers them before anyone asks.

Get the file ready first.

Phase 1

Clean the file.

AGT-01 reads the whole file and flags what is blocking approval. Then the disputes go out across all 3 bureaus.

See Phase 1
Phase 2

Build the profile.

LLC and EIN if you need them. 15 or more net-30 vendors that report. A DUNS file and a PayDex target of 80 or higher within 4 months.

See Phase 2
Phase 3

Lender introductions.

Your Director introduces you to independent lenders whose published criteria match your rebuilt file. Every decision is the lender's.

See Phase 3
Where the buildout endsLender-ready

A clean file. A real entity. Vendors reporting. Documents waiting. Then the introductions.

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  1. Clean the file
  2. Build the profile
  3. Lender introductions

Card questions.

If yours is not here, bring it to the call.

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See all questions

Does ThickAFCredit issue or recommend cards?

No. We do not issue cards, rank cards or push issuers. We build the file an issuer reads.

Will a business card ask for a personal guarantee?

That is the issuer's call. Some ask for one. Some lenders offer no-personal-guarantee options. Where they do, we point you to them.

Does a business card build business credit?

Only if the issuer reports it to the business bureaus. Not all do. Ask before you apply.

Should I get a card before the buildout?

That is your call. The game-plan call is where we look at your file first.

Walk back in with a thick file.

It starts with one free call. A real person. A real plan for your file.

A file gets thick with time. The sooner the first vendor reports, the sooner it counts.

  • You talk with a human Director
  • We reply within 1 business day
  • Detroit-built. Open to founders across the US.
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Step 1 of 3

What do you need most?

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Business stage

Where is the business today?

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