Ladybug Lending®

Ladybug Lending ®

IMAGINE - ESTABLISH STELLAR BUSINESS CREDIT

Business Hybrid Credit Builder

PERSONAL CREDIT & BUSINESS CREDIT

A Strategy to Grow

You’ve got a lot on your mind. You’re running a business which you are passionate about.  Did you know that some loans are based upon a combination of your Personal Credit Score and your Business Credit Score, while other loans are based solely upon 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?  Not to worry, most businesses do not, and it’s why most are ineligible for the best lines of credit and term loans, like SBA products. 

Solutions – Say Goodbye to Cash Advances & Hello to a Low Single Monthly Payment!

Ladybug Lending’s Business Hybrid Credit Builder is a meticulously designed strategy that functions to establish and increase 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.

What Ladybug Does & Consolidate & Save

  • Create accounts with the 3 major Business Credit Bureaus – Duns & Bradstreet, Commercial Experian and Equifax. 
  • 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 more about your business activities to further advise you on additional steps we can take to increase your Business Credit.
  • Help your business to become eligible for Conventional Lines of Credit, Term & SBA Loan products in 4-12 weeks (8 weeks target)
  • End the vicious circle of cash advances.  Can you imagine, no more cash advances?

    Saves You Money     
 
  • Consolidate and save with a prepayment discount and often thousands in interest when you exit into an LOC, Term or SBA loan from existing cash advances.
  • Imagine a low single monthly payment.
  • Did you know you can write off your interest on an SBA loan?
  • Did you know you can write-off your HCB Payment as Professional Services?
  • Financing Available.
  • Pay in full and save.
APPLY - Let's Grow

Separate your Business Profile from your PG

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

Ready to establish the business credit your company deserves?  Ready to separate your PG from your business credit profile? Of course you are. Click the APPLY button and provide your contact information. Your Ladybug Business Credit Specialist will call and start growing your business credit today.  Or email us at [email protected] with questions.

If your business is also in need of a funding opportunity, continue to the application after you submit your contact information

APPLY - Let's Grow

Imagine Not Relying on a FICO for a Business Loan!