Ladybug Lending®

Ladybug Lending ®

IMAGINE - ESTABLISH STELLAR BUSINESS CREDIT

Business Hybrid Credit Builder

PERSONAL CREDIT & BUSINESS CREDIT

A Strategy to Grow - 28 Days!

Did you know that even the best personal credit scores are often declined for SBA & Term loans nowadays? Why?   SBA and most business loans are based upon a combination of your Personal Credit Score and your Business Credit Score?

Almost everyone has a general idea of what their Personal Credit Score is, but ask yourself– do you know what your Business Credit Score is?  Do you even have a Business Credit Profile?  Most businesses do not, and it’s why most are ineligible for the best lines of credit and term loans, like SBA products.

Solutions:  No More Cash Advances & Qualify for a Low Single Monthly Basis in as Little as 28 Days!

Ladybug Lending’s Business Hybrid Credit Builder is a meticulously designed strategy that functions to establish and maximize your Business Credit Score, which is a key factor for lenders when determining funding amounts, interest rates, term lengths, and even general eligibility for certain loans.  This service includes free personal credit repair for up to 2 owners or a single owner and spouse.  We’ve taken low 500 scores to 680+ on all 3 credit bureaus in as little as 28 days! While, simultaneously, and importantly, maximizing the Business Credit Profile. 

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SBA No Longer Accepting MCAs

In June 2025 The Small Business Administration (SBA) returned to its prior guidelines that require merchants have no merchant cash advances (MCA) on their debt schedule. An active MCA is an auto-decline for the SBA, but there is hope!

First this clarification is intended to ensure businesses can demonstrate an ability to maintain a reasonable debt schedule and not become overleveraged.  Still in the short term, while qualifying for an SBA, an MCA can be helpful, but only if it is reporting as an active tradeline to commercial credit bureaus like Dun & Bradstreet’s PAYDEX.  As part of qualifying for an SBA & business term loans, businesses must have stellar commercial credit and most do not. Did you know that most bueinssses debts do not report to commercial credit bureaus?

Ladybug’s Business Hybrid Credit Builder takes as little as 28 days (up to 12 weeks) to qualify merchants on both the commercial and personal credit side for an SBA product.  This is ample time to use a legitimate and strategically placed MCA that is reporting as a functioning tradeline:  Provides working capital, purchase inventory, make payroll, etc, but again and importantly boosts your commercial credit score. Ladybug MCAs do that, and becuae they are short term, they will fall off around the time you are qualified. Smartly implemented, it is a win-win. 

 The SBA looks at MCAs as an inferior form of debt and by exiting these high-cost arrangements your business can now access more favorable financing through the SBA on a low single digit basis amortized over 10 years, saving you potentially tens of thousands of dollars. 

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BEWARE FAKE DEBT CONSOLIDATORS in 2025!

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Beware the latest scam:  Unscrupulous brokers, law firms, or so-called ‘debt cosolidators’ may try and deceive you into defaulting, citing “good relations with the lender’s attorneys, or stop paying, or pay less, etc.”    BELOVED, DO NOT BE DECEIVED!  In the end you likely will:

  1. Pay more than the original debt
  2. End up in court
  3. Expensive litigation
  4. Liens on property and/or the business
  5. Your customers may be forced to directly pay the original creditor
  6. Ruin your credit
  7. Never be able to secure credit again
 

Ladybug has received a sharp rise in unfundable merchants who fell victims to this scam. Without exception, ALL, regret falling for the “silver tongued” fake consolidators. Many have expressed disturbing thoughts, and Ladybug has empathy, but DO NOT DEFAULT!  We encourage you to make the most important decision for your business’s long term growth and prosperity:  Schedule your call with a Business Hybrid Specialist today! 

Get out of debt and rehabilitate your personal & business credit now with Ladybug’s Business Hybrid Credit Builder. Includes free personal credit repair for up to 2 owners or a single owner and spouse.

What Ladybug Does &
True Consolidation

  • Create accounts with major Business Credit Bureaus like Duns & Bradstreet & PAYDEX. 
  • Open additional tradelines for your business.  A key factor in building Business Credit is having active lines that demonstrate responsible use of credit as well as low utilization. 
  • Report positive payment history. Business Credit is more than just paying loans on time; mortgage/rent, utility bills, payroll, and accounts payable are some of the accounts that can be reported to the business bureaus.
  • Improve bad business credit or establish new business credit.
  • Your Ladybug Business Credit Specialist will learn about your business activities to advise you on steps we can take to establish & maximize your Business Credit.
  • Help your business to become eligible for Conventional Lines of Credit, SBA Loan products in as little as 4 weeks.
  • End the vicious circle of cash advances.  Can you imagine, no more cash advances?

    Saves You Money     
 
  • SAVE with a prepayment discount and save often thousands in interest when you exit your MCAs and enter an  LOC, Term or SBA product .
  • Imagine a low single monthly payment.
  • Did you know you can write off your interest on an SBA loan?
  • Your Hybrid program is tax deductible.  Write it off as Professional Services
  • Financing Available.
  • Ask about available discounts.
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SBSS - Combining your Business and Personal Profiles

Does it make sense that you are providing your personal credit score and being held personally liable (Personal Guarantee or PG) for a business finance product; your house, your private property, your first born (we jest)?  Of course not.  

The Small Business Scoring System (SBSS) is a credit scoring model used to assess the creditworthiness of small businesses.  A 160+ is required for SBA and the best Term products. The score is derived from a combination of both strong Business and Personal credit scores. Your Hybrid Credit Specialists at Ladybug know how to meet and exceed this benchmark.  So focus on what you do best, and let Ladybug prepare you for your SBA or Term loan product. Ready to establish the business credit your company deserves?  Of course you are. Click the APPLY button and get approved today! Your Ladybug Business Hybrid Specialist will provide your personal and business audit within 24 hours of registration.  Email us at hcb@ladybuglending.com with questions.

If your business is also in need of an immediate funding opportunity, continue to the application after you submit your contact information for your Hybrid Credit Builder.

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Imagine Qualify up to $5m in 28 Days!