Let’s talk about building business credit real quick.
You might not realize it, but strong business credit isn’t just a tool—it’s the ultimate growth hack for scaling your business and elevating your lifestyle.
Let me explain.
When I started diving into business credit, it was because I wanted Leverage.
I wanted the ability to fund opportunities, access premium travel, and create financial freedom.
I found a system that could help me—and others—build something bigger than a business. It builds options.
Here’s why leverage matters:
Booking Win of the Week
I helped a client in London who needed a last-minute flight back to Salt Lake City.
With some flexibility in departure locations, we had opportunities to find the best deal.
Here’s what we booked: Amsterdam to Salt Lake City.
A Delta One Business Class seat for 67,500 miles + $260 through Virgin.
The cash price for this ticket was about $6,650. Booking directly with Delta would have cost 375,000 miles.
Cash rate: ~ $6,650
Partner rate: 65,000 miles + ~ $260
Normal rate: 375,000 miles + ~ $260
The Savings:
With our booking fee, the client saved over $6,000 on a premium, last-minute deal.
This is why earning the right rewards points matters—and knowing how to maximize their value matters even more.
It’s not just about saving money; it’s about turning points into incredible travel experiences.
Travel Better with Points:
To leverage your daily spending for free(ish) premium travel, start by earning the right points and learning how to redeem them strategically.
Check out the Freemium Travel Guide to get started.
Back to Business Credit:
It unlocks larger funding limits. Forget the cap on personal credit. Business credit gives you the flexibility to scale fast.
It protects your personal finances. Keep your personal credit score intact while still accessing the capital you need.
It opens the door to better terms. Lower interest rates, higher approval odds—what’s not to love?
It earns you premium travel rewards. Imagine flying business class and staying in luxury hotels, all paid for with points from your business expenses.
But let’s be real—building business credit is a process.
It starts with laying a foundation.
The Basics
First, you’ve got to make your business legit:
Register your business (LLC, S-Corp, etc.).
Get an EIN from the IRS. It’s like a Social Security number for your business.
Open a business bank account. Trust me, separating personal and business finances is non-negotiable.
Build Your Profile
Now it’s time to get visible:
Work with vendors that report payments to credit reporting agencies.
Apply for a business credit card that aligns with your spending (Chase Ink Business Preferred or Amex Business Gold are top picks).
Monitor your progress with tools like Nav to ensure you’re building credit the right way.
Most people miss the point: consistency. The secret weapons here are paying on time, keeping balances low, and tracking your credit profile.
Avoid the Pitfalls
Don’t miss payments. Ever.
Keep utilization below 30%. This shows lenders you’re responsible.
Don’t mix personal and business finances. Trust me, it gets messy.
I’ll leave you with this: Building business credit is like planting a tree.
You won’t see results overnight, but if you nurture it, it’ll grow into something powerful that funds your goals and creates opportunities you never imagined.
Ready to take the first step?
Fill out our consultation form to learn how we can best tailor a strategy for your business and travel goals.
Here’s to creating leverage.
See you next week in The Leverage Letter.