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Business Credit Decoded

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Business Credit Decoded is an insider’s guide on how to build an exceptional business credit score and profile for any business. This book will reveal how a business owner can be approved for tens-of-thousands of dollars in revolving credit cards and credit lines. Plus, this special book reveals how business owners can secure large amounts of cash funding for their business without a personal guarantee required from the business owner. Learn the insider secrets of the business credit world and be approved for more money than you have ever imagined before

136 pages, Kindle Edition

Published June 14, 2016

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About the author

Ty Crandall

8 books2 followers
Ty Crandall is an internationally known speaker, author, and business credit expert. With over 20 years of financial experience, Ty is recognized as an authority in business credit building, business credit scoring, and business financing.

Ty is the author of two of the bestselling books on consumer and business credit: Perfect Credit and Business Credit Decoded and has written hundreds of published articles relating to business credit. Ty is also often heard being interviewed on countless radio and TV programs and news shows across the country and has been featured in Forbes, Entrepreneur, and Inc.

Ty currently serves as the CEO at Credit Suite. With Credit Suite, Ty consults with and advises companies on business credit building and scoring. He has overseen the business credit building for thousands of clients and has helped create and grow the most credible business coaching operation in the United States. Ty has also created and coaches the largest business credit provider network in the world.

Ty’s story
After serving in the Air Force, I entered the financial services industry in 1998. After spending time working with consumer auto financing and mortgages, I opened my own mortgage company in 2005. Within 2 years, the mortgage industry would crash, thereby forcing me to start dismantling my business. Because I personally guaranteed much of the credit my mortgage company obtained, as many business owners do, as my business started to default on credit obligations the damage carried over into my personal life.

Business debtors started to pursue me legally. As they won their legal battles they took the few financial assets my wife and I had left by withdrawing all the money that was in our accounts, leaving us penniless. The hardest moment I’ve ever faced in my life was the moment my wife and I were standing in the family room of the home we built to raise our kids but were moving out of because the lender was foreclosing. The lights were all out in the home, and the only light shining through the windows was the headlights of the moving truck parked outside. My wife and I hugged, and she asked me, “Why is this happening to us?” as she stood with me crying. I had no answer. I had lost my ability to provide for my family, and it was mentally and emotionally crushing. The thought of this moment still brings tears to my eyes.

I would move on to start a consumer credit business to help others repair credit damage that stemmed from the change in the economy that affected so many. Customers started to ask me if I could help them build their business credit as well, but I didn’t even know what business credit was and there was very little information available about it. Enough customers asked me about it that I investigated and was shocked at what I discovered.

I realized that business credit can be used to separate personal and business liability, and that if I had had it when I build my mortgage company, my personal assets never would have been taken, which pushed me to the brink of filing for personal bankruptcy. With nearly 10 years of financial experience at the time, I realized that if I didn’t know about business credit, most others wouldn’t either. That was the moment my life changed forever.

I’ve been brought up to believe that you never complain about a problem unless you’re willing to provide a solution. So I dug in and learned everything I could about what business credit was, how it works, and how to get it. And as I started obtaining business credit for myself, I helped our clients do so as well. Within a year business credit would be my true passion, my calling. I would sell my consumer credit business and focus 100% of my efforts on helping others understand and obtain business credit.

Today, I’m both humbled and blessed to oversee the largest business credit coaching division in the country. My team and I have helped over 15,000 obtain business credit over the last few

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Displaying 1 - 4 of 4 reviews
19 reviews
March 26, 2022
In Depth But Not In The Weeds

The book did a really good job explaining business credit; what it is, why it's important, and how to obtain it with no personal guarantee or credit check.

It did this without going too far into the weeds and feeling lost. I'm not a credit expert but I feel like I went from zero to six, on a scale from one to ten, just by reading this book.

The book is a little dated but the information is still valuable. I took action and got my credit profile established and my first two accounts without my SSN being a factor.

I recommend this as a must read for any business owner or soon to be business owner who wants more working capital with no personal guarantee.

2 reviews
January 14, 2020
Overall good info, badly needs editing.

The repetition was probably the hardest part.

I had to skim and skip to make it through this book.

But at least the meat and potatoes were there, under all the fluff.

Just trim the fat, and you’re book will be twice as good and half as long.

Longer is NOT better.
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116 reviews10 followers
January 11, 2021
It’s pretty repetitive, informative on Duns&Bradstreet and vendors that will open credit accounts with no personal liability such as RadioShack, Lowe’s and Walmart. I wish I had counted how many times “business” was said. It’s easily in the 100s.
Profile Image for Elexis Wilson.
3 reviews
January 16, 2018
Great book

Great book I have the kindle and Audible version, great information I've put into use with wonderful results. For both business and personal credit
Displaying 1 - 4 of 4 reviews

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