How To Build Business Credit - $750,000 Business Line of Credit!!!
live from columbus ohio this is the get business credit youtube channel with your host josh van horn subscribe now and hit the bell notification right now to stay up to date as soon as we release new business credit gyms take it over josh okay you guys again josh with get business credit you know this video was only supposed to be like 10 15 minutes and i apologize i rambled but i also have covered so much and you don't want to miss it all um so like my producer's kind of weakened back to me like it's like 30 40 minutes probably make sure you take the time and watch it all if you can't watch it all now just save it and watch it later because you don't even want to miss one minute of it because i'm literally telling you guys how you can start off your business credit like i did all transparent i showed you guys step by step i didn't hide anything i showed you guys everything up front from my past videos it's all you know there's no fluff it's all there but you don't want to miss it i'm giving a lot of tips and telling you how you guys can do that and again it's not always about the money you know so watch the whole video you know and take it to heart and then comment or email if you have any questions or concerns but please watch the whole video don't just skip it or whatever right so please watch the whole video again i apologize that this video did turn out to be so long it wasn't meant to be that long again this was not a show-off video of 750 000 in business credit that i have it's not meant to be a show-off video by any means and i respect a lot of other youtubers but um it's just the truth and that's what i'm showing you guys and i've made videos on each and every one of these and show you guys the approval letters and everything and you guys know i interview a lot of these founders and ceos anyways go ahead and watch the rest of the video but get your popcorn out and your drink and watch it again i apologize but watch the whole entire video okay bye bye see you at the end hey what's up youtube it's josh with the get business credit youtube channel you guys this is a little bit different video this is more of like a motivation inspiration video on my journey that i took you guys through kind of the last year and a half or so but the main topic is how business credit can literally change your life okay even if you have say just five thousand dollars starting off your brand new business okay and i didn't have the greatest credit when i started off either but i've been teaching business credit and personal credit for about 15 years now so yes i did have a you know upper hand compared to most but i did everything live when i started the youtube channel i was a little shy you guys can tell if you look back at my old videos but i was transparent and showed you guys from registering one of my newer llc's i have several other ones registering that new llc with the secretary of state of ohio and went through each application process step by step showed you guys the cards like i have here these aren't all of them this is just kind of more display i got a lot more but i'm going to go through some of them with you guys but anyways even if you have say not the greatest credit it's okay i've helped people on my mentorship my one-on-one mentorship clients overcome from say a 550 fico score to get to say 650 and get the american expresses some of you guys are all looking for say the no pg i can tell you i would say it's about 50 50 is no pg what i have and i'll break that down but a lot of you guys that don't know me look at all my past videos everything is transparent there's no bs no fluff every video i pretty much showed my approvals showed the card in hand showed the letters and even showed my own credit files and stuff you know and it's all public information you can look up so i have well over a hundred credit lines business credit lines i formed this sixth business when i started the youtube channel shortly before i started the youtube channel and that was 6 26 2020. you can look it up with the secretary of state in ohio van horn marketing okay so i kind of just like simmered and didn't really build anything up on business credit um after i've actually formed it i didn't really do much with it because i was getting over being camera shy on youtube trying not be so camera shy now i'm not but if you look back to my very old videos my first 10 videos you can see i'm like very uncomfortable it doesn't help when you have parkinson's disease either so anyways i really started building my business credit and a lot of you guys that are my loyal subscribers you guys know this perfect you can see when i pulled my business experian advantage report and you guys can see the months where i could break everything down i refreshed so there's no shenanigans at all you know and that was right around march 29 2021 so we're really only over what a year and three or four months now is when i first started building business credit for the youtube channel for my marketing company keep in mind i have other businesses but i did this 100 transparent for you guys because i don't think it's fair for a lot of these other youtubers well a lot of them don't even have the cards they just review websites and that's all they do and they're just trying to get affiliate income that's not what i do i try to get the card and get approved 90 of what i promote i actually have in hand you know um and got approved and if i didn't get approved i eventually got approved and i showed you how to get approved but anyways um now i have over 100 credit lines i'll go through a little bit of those and show you guys how you guys can do it too you know and it's not a sales pitch i do offer mentorship one-on-one i will be doing my third batch coming maybe next week or the week after i take care of current mentor clients right now but um i'm going to be offering a special one-on-one mentorship program that's going to last three to four months long so if you do sign up it's gonna be three to four months like we're gonna work with you for three to four months because the last mentor clients that we worked with we said it was for a month but it's actually been going on several months and that's for different reasons but we want to make sure that you get all the business credit you can everybody's in a different situation some just started some have problems with their experian or their business trade lines or personal accounts or split merge files the list goes on and on but anyways before i go and get into this any further just real quick this is one of get business credit's main sponsor and it's north one it's an easy business checking account use my link i don't get paid anything they've already paid the channel for sponsorship so when you sign up i don't get paid or anything but i use north one myself for one of my businesses don't put all your eggs in one basket if you're existing or you're a new business just open it up it costs 10 bucks a month the first month's free using my link you can literally get signed up in five minutes what's good about it is i've checked them out where it's being able to connect with plaid and all the different accounting software platforms so you can get a lot of these fentech cards that i got approved for okay so the link for them will be in the description below i don't want to take up any more time on that but anyways i got approximately 750 000 and business credit like i said about half of its personal guarantee half of it's not and i'll just go through these keep in mind like i've told you guys before if you know keeping the inter-banking relationship that's very important to know who the underwriters are and have that good inter-banking relationship you know with these different financial institutions instead of just blindly applying also i don't believe in the whole tier one tier two tier three system i don't know who came up with that a lot of my first approvals were so-called tier three most important thing is to get everything set up properly for your experian uh business profile and all that key data first because that can give you a score without even a trade line anyways um just real quick like clear card i got 30 000 it's a net 30 card i use that quite often i've had adam the ceo and founder on multiple times he's only been on my channel nobody else's channels a lot of these interviews that i've done they're coming on my channel again not to do my own horn but a lot of other youtubers follow me that's fine they can follow me i'm just trying to let you guys know that i get the information usually first but there is some other good youtubers out there anyways clear card thirty thousand expensify thirty thousand divi seventy five thousand was a 150 000 but to use their rewards you have to use one-third per month or else you forfeit the rewards so i decreased it down to 75 000. ramp is 10 000. that fluctuates depending on what's in your business bank account but just give you an idea ramp they're also a sponsor but i've had ramp before they became a sponsor and you typically need about 75 000 in your business bank account now that tells you that one that i'm successful but i'll tell you when i started off i think i had like two or three thousand dollars i just kept building it up from there it's hard work dedication you do your own research too then the carrot card i just got that recently you guys this is pretty cool card i'll make a video about this but this is only for content creators it's a metal card you can see here it has the get business credit uh logo lasered into it but yeah it's a probably the thickest card i have here um so with carrot i got 11 000 and then jeeves i got 7 500 so most these are net 30s a couple of them are revolving and then row 10 000 that's one you guys probably haven't heard i don't even have the card here it's in the other room in my office i'll explain more about row in a future video brax we got 17 thousand five hundred tapago ten thousand five hundred also like with torpago uh go to chicago.com forward slash get business credit you guys will see nobody else has that they have affiliate links but they don't actually have their placement on tripadvisor.com like we do
and we get you guys the best rate i told them i don't want to get affiliate income i just want you guys to get the best rate so tarapago.com forward slash get business credit and you'll get 1.5 cash back let's see where was i here so then you got then i got in the american express so the american express platinum you really don't these are charge cards you really don't you can carry a balance and plan it but you really don't know what your exact credit limit is there's ways to figure figure it out but you know you can check your spending power my platinum business 175 i tried like a week or two ago and it said congratulations it's approved your winner for 175 if i was to make a transaction for that and i didn't want to go any higher on the gold i don't know what it is but it said 45 000 fine on the spinning tool on the green 30 000 it allowed but keep in mind i have spent a lot with american express um you know these this is all not realistic for all of you guys but i'm just kind of motivate you guys that i had only like three of these cards in a mid 600 fico score you know 16 18 months ago and look where i am now okay and then [Music] the american express green like i said 30 000 and then mayor express plum card it's an underrated card it's in that 60 uh terms and then they give you a cash back if you pay back um 10 days before the billing cycle and then this one this is the holy grail and i can't even tell you guys what the limit is a lot of people think the limit's going to be high for these cards but they're usually not so high and they're not so great and i have buyer's remorse because that's a ten thousand it's an invite only and it's a ten thousand dollar initiation fee and then five thousand dollars for your um annual fee and then to add unauthorized users 2500 it's not worth it it's buyer's remorse you know that i definitely have but as you can see here this in theory i'm black okay um [Music] and i really don't even use it there's some perks when i start traveling again that will be worth it but you can see here there's the card there and then they give you little pamphlets of car service and anyways enough about that i don't know what the limit is on that you know and again this isn't show-off i'm just trying to tell you guys you guys can make this happen i didn't have any american express cards um until august of last year now i have 12 okay between business and personal and then i have the american express the blue business cash that one is like that one there it's a business card that one is uh 11 000 and then i got the american express marriott bonvoy 8 000 somewhere here right there corpei which you guys know i've been promoting them a lot and i was one of the first ones with them and really promoted them quite a bit and had a lot of meetings with the vice president justin smith over there having this many credit lines is not a good thing because it's easy to get late payments because you can't keep track of all of them that's why i'm slowly starting to cancel some of them because i don't need them all so like core pay i think it's a 50 000 and then i got the navy federal because i have several navy federal business accounts but um so i originally got denied for the navy federal business um credit card even though i already have three personal high limit cards like the flagship and the more rewards and the cash rewards but i got denied for the business card and that goes through experian for on the business side but i applied again after about two months and i got approved for 22 000 for that card um the bad thing about that one it doesn't build business credit it doesn't do anything it's a revolving card it is personal guarantee but it doesn't report to business or personal you know but it's there if you need it and then i got the walmart card it's no longer available it might come back but right now i think when i made the video about walmart i flooded the applications and they shut it down who knows if that's coming back but i originally got like 3 500 then i did a limit increase and i now it's like i think uh 7 500 right now 7 000 or 7 500. i got floor and decor
and originally got a couple thousand then they raised it by themselves to 14 500. i won't use that until i get into doing more real estate then i got the wax fleet 8000 keep in mind you guys wax is now all pg and these a lot of these cards are no pg because they're going to be pretty much grandfathered i don't plan on screwing anybody over i'm just you know giving you guys heads up on that um and then we got the shell plus which is also underwritten through um through wax that's right here i got ten thousand dollar limit on that card and then a to b i only have 2 000 with them i was the one that launched a to b with usher on youtube you know we worked it out and really promoted so much and had several reps from a to b on i think i just put out a video about that but i only have a two thousand dollar limit because i it's all about spending if you don't spend it per week it's a net seven if you don't spend it then they're going to keep you at a low limit so if i spent like 1500 every week then it's just gonna keep on getting higher and higher but i really don't use gas i got too many gas cards i think i got over 80 90 000 in gas cards you know and then i got road plex it's a fairly new one and we got like 1400 approvals for road flex it's a good card it can be used for more than just uh more than gas it can be used for maintenance and it can be used for like business insurance certain mcc codes and then um coast fuel only it's a new car but it's only for fuel only it's really catered towards like car rentals and i think they want you to be making over like a hundred hundred and fifty thousand a year i'm not mistaken um hopefully i'll have somebody on from them interviewing them fuel man wherever that's at fuel man is twelve 000 uh bp mastercard 8 500 speedway super fleet which is also fleet core 3500 and yeah this is like rambling and rambling i just want you guys to know about all this amazon 18 500 currently it's not available they took away that net 55 but they have the net 30. i'll make another video about that and how you can apply and get that um hopefully they bring back the amazon net 55 maybe it's going to be a different underwriter not synchrony bank who knows but i like synchrony bank i don't have any problems with them and then i got best buy 11 000 that's after uh one limit increase or i think three of them increase this crutchfield they sell audio video um we just bought a drone so we could do drone footage for some of my other channels because we have like five different youtube channels so just bought like a dji um like a two thousand dollar drone that we're playing with right now it's a net thirty um doesn't report but um you can use as a trade reference it's through trapped msts and you get business pricing with it universal premium 1200 that's also a fleet core card and then lowe's synchrony bank um wherever it is lows for pros it's actually net 50 or no not 60 because they extended the terms on that and then that's 6500 conoco phillips that's also synchrony that's the one of the only revolving no pg cards that is where is that at right here that one that's not to be confused with the wax because wax has one of a 76 cocoa card as well so i was saying the conical uh 76 phillips 66 it's not the same as wax even though wex has one of those cards but this one's actually underwritten through synchrony bank and keep in mind a lot of these applications they will say they to increase your chances for approval you need to be in business two years or three years but it doesn't say it is required and that's the difference like when you do mentorship one-on-one with me and i'm gonna be doing a course too where i'm doing like step-by-step videos modulars that we're putting together and it'd be more for affordable price that you can log in lifetime access but i'm going to show you guys you know i don't want to say tricks but how to actually read you know know pg pg and how to actually read these applications because a lot of people think they see that two years or three years but they don't read the words be all around it they just think oh you have to be in business you know for three years like there's a lot of youtubers saying for like the walmart card oh you need to be in business for three years or two years i was like one of the first that got this card okay one of the first at least on youtube you can look at the dates okay and at that time my business was maybe like a year old you know and they check everything directly with experian and you can't you know lie to experian they're pulling all that data from the secretary of state but anyways so the conoco 2500 it's one of the only revolving no pg cards out there however it is high aprc you really want to carry a balance then i have paypal working capital i haven't taken it but i just i've taken it in the past before but um i it was a couple days ago i just to see just to see what i could get it came back as 37 500 was the max i could get um so it's there if i want it and then the jc pennies 1500 i've used it a couple times it doesn't report but then again it builds up the inner banking relationship so you can get that same club uh no pg mastercard so you can get the the lowest um card and the conoco and there's a couple other ones that they're actually getting licenses to they always switched underwriters i'll explain that more in detail in another video that's why you guys definitely have to subscribe if you haven't already because we literally have like two or three videos dropping for like the next 90 days so you have to stay tuned for that anyways i got a business uh line of credit draw that was with my partners over at national business capital they're great people don't deal with rock financial i don't like them and they're really so many people like talk great about them that's because they pay high commission but they actually give you guys bad rates that's why i don't want to deal with them um you know and they're just not uh one of the workers there's not so nice you know um i got messages from him anyways that's off topic but i got a 18 800 draw that i've had for i don't know they got me like six or eight months ago i'm not going to say the actual company who it's through but national business capital got it for me and i can just log in and take like 500 1000 18 800 or whatever and then it's going to tell me what my monthly payment is going to be i can take as much as i want out of the 18 800 um so for short time short term it's great you know but it's not the cheapest route long term and then there's a new car called trip actions i don't have the card in hand but it's a cool looking card i'll be doing a review on them uh probably the next week or two i already made a video about them in the past but i didn't have the card i'm waiting for the card to come here in the philippines to me because that's where my gbc studios are but it's to buy like airfare and some i think you can charge other things i really haven't reviewed it too much but uh i only got like 1600 on that i don't know why so low on that then i got the samsung business line of credit to buy samsung see this big huge 85 inch that's behind this 85 inch board you know you know you can see it's the interactive board i've been using it's 85 inches samsung i use that for the samsung business line of credit they give me you know a pretty good deal and [Music] zero percent for like six months which was uh six months which is a pretty good deal and then dell i haven't used it too much it reports also to um experian i'll go through um these on another date where i'll have a slideshow a presentation where each one i'll show you how hard each one of them is who each one reports to and which ones you guys should get based on you guys the situation i just kind of wanted to show you guys all this not to brag or anything but if you total this up it's over 750 000 keep in mind there is some personal cards here if you add in my personal cards i'm probably like i don't know 1 million 1.1 million somewhere in that ballpark of credit lines i'm not saying or suggesting anybody to do what i did um i'm canceling a lot of uh business cards because i just don't use them the more credit you have the harder it is to manage and stuff you know but yeah that's pretty much it if you guys have any questions let me know but what i do want you guys to do real quick is uh just get your phone out and text the word live live to 844 zero zero zero three again that's eight four four seven four seven zero zero zero three text the word live and then when i start my mentorship up again the one-on-one mentorship in the next week or two you'll get alerted and you'll get alerted when i drop some new videos you guys need to keep in mind like i said this is no fluff no bs you can look at my past videos and track everything and see i may sound a little bit arrogant but i think i can be arrogant when i've achieved all this okay so yeah that's pretty much it i want you guys to hit that subscribe button and just stay tuned because we got new fintech companies we have some more interviews from different founders and ceos coming out here very soon and we're really going to break everything down for you guys so like i said um you can't go right now but um here in the next i want to say month to a month and a half we should have the getbusinesscredit.com site launched where you can register it'll be a very affordable fee one time fee that you can pay that i will have 75 to hopefully 100 videos that will show you from a to z step by step very well organized links and everything very well detailed out on how to make sure all the business credit bureaus have all your information listed correctly and even how to register your llc like we're going to cover everything and it's not just me it's going to be omar and a few other business credit gurus and stuff you know so we'll have that but we are going to be offering the third batch of limited spots for mentorship probably late next week i got a couple more that i got to finish from the second batch and you guys do not want to miss that it is going to be a little bit more expensive but instead of being one month it's going to be a four month long it doesn't mean you need to do it for four months i'm just allowing you four months it's a one-time fee for four months it's not a monthly fee just a one-time fee for four months you get me and you get three other business credit experts and we'll guide you along all the way and get you the best we can get you of course it's not made for everybody if you just started your business and you only have a hundred dollars in your business bank account the mentorship program isn't really for you it's better to watch all my other videos i got tons of free resources over 200 videos you know you don't need the mentorship but if you really want that guidance one-on-one with me that's a way to you can go but this wasn't really supposed to be a sales pitch about the mentorship just wanted to give you guys a heads up that that is coming and it's limited spots if you guys have any questions at all just uh put in the comment section or if you want to possibly reserve your mentorship spot probably going to start next week sometime just email support joshvanhorn.com again support joshvanhorn.com all right
and we'll go from there but links will be in the description below and that's all make sure you guys hit subscribe okay i know this video is long but just make sure you guys hit subscribe and share the video out you