Business credit is one of the most powerful tools a business owner can have. When your business has its own credit profile, you
can access funding, vendor accounts, and credit lines without relying on your personal score or putting your personal assets at
risk.
At King Credit Services, we help you build a fundable business profile the right way - structured, documented, and ready for
approvals.
Here's What Lenders and Vendors Typically Want to See:
- Personal credit score of 680 or higher (720+ preferred)
- No collections, charge-offs, or negative accounts
- No late payments in the last 2 years
- Overall credit utilization under 25%
- At least 3 primary credit cards in your name (not authorized user accounts)
- Total available credit of $15,000 or more
These aren't arbitrary checkboxes. After working with hundreds of business owners, these are the benchmarks that separate the
clients who get approved from the ones who get denied and never know why.