New Business [$40K IN 4 MONTHS] Business Gas Cards EIN Only Without Personal Guarantee

New Business [$40K IN 4 MONTHS] Business Gas Cards EIN Only Without Personal Guarantee

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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 hey welcome to the get business credit youtube channel in today's video we're going to be doing something a little bit different i got this nice white board that i just got in double-sided some might be doing a little presentation explain a little bit information hopefully it's not gonna be too long but please if you really care about business credit watch this whole video because you may miss two minutes of what i say that could be make or break your journey on building business credit okay i know you guys have not seen me for a while um unfortunately my sister passed away a lot of you guys may know my little sister passed away um about 10 days ago so i needed to take time away from everything you know dealing with that so anyways i'm excited to be back couldn't wait to get back actually it's the last couple of days i got four videos planned today this is one three more and i know it's already what almost 6 p.m so a lot of content coming out if i can get through all these videos quick enough you guys will see what the topic of this one's about here in a moment but um for those that don't know me my name is josh van horn i'm the owner of the business credit youtube channel um i've been teaching business credit for about a year now but i've been building business credit for over 12 years i have six llc's and four i should say four lcs and one c corp and one s corp and one non-profit okay so um if you guys want to know more about me just shoot me an email or maybe i'll make a more detailed video about me but i've always been a serial entrepreneur i dropped out of high school in ninth grade the first week and ninth grade i just didn't want to do it you know almost 10 years later i was able to get my ged and went through some college and also the police academy after i became a police officer i found it wasn't out after one week i literally quit not for 28 000 a year and it wasn't what i thought it was gonna be like anyways um you know i own a marketing business uh call center business in the philippines a little bit in real estate united liquidations business all kinds of different businesses and there's two main businesses that generate most of my income i hate them because i've been doing them so long marketing for attorneys and drug rehab centers but you know i had my office managed manager take over those companies so i could focus on this youtube thing full time um you know i started this on december 6 and did not know we would have almost 10 000 subscribers six months later had no idea um i never thought i could make a you know full-time living just doing this and i enjoy doing it because 90 of what's out there on the internet facebook youtube channels youtube creators they're either not transparent they're either like i said not transparent or they're trying to get money from you or they're just copycatters or liars to be blunt i'm not gonna name any names but you know a lot of videos you guys can see if you're not already a current subscriber please subscribe and hit the bell notification because you don't want to miss what i put out honestly it's free information and we give away grants too out of the money that we earn on here um sweating here from these lamplights but anyways um bottom line is though is if you look back at my content and then you look at dates of other people's content they literally put out content right after i put out the content about that product you know so and they're not transparent they'll say they got these cards you know they got to prove this card but they're been in business for four five six years and that's not fair because i can use one of my other companies that's been in business since 2008 and get so much business credit and show you guys but that's not being transparent and not realistic you know so uh what i did um and i didn't didn't have any idea that you know this youtube thing would take off or not i was camera shy so you know i after four or five videos they kind of took off so that's where we are now um i might even do a live stream tonight too because i know it's been a while so you guys just stay tuned but anyways i want to get right into the video again if you're not a subscriber this is going to be your loss if you don't hit the subscribe button right now i'm telling you right now you may not like every video that i put out or it may not be for everybody but there's going to be some information that you know wish that you listen to me about and not others okay promise you that i'm not being egotistic or anything by any means by that i just know what it takes to build business credit i understand the underwriters of all the business credits find me one other youtube channel that talks about the underwriters they'll talk about home depot card lowe's card you know amazon this or that you know but they don't tell you the underwriters because they don't even know until they get the cards or whatever you know no one's ever heard of msts trevpay or synchrony bank when it comes to the commercial side or even citibank on what cards are handled through citibank what the requirements are all that you know there are some guys out there that try to sell these courses for like 2 500 eventually i'm going to do like a step-by-step course but it's not going to be anywhere near that price um and it's not going to be filled with all the shenanigans and all the baloney um you know so anyways let's get right into it so my whole thought process process was is my van horn marketing llc i formed 6 24 2020 so it could be fair for those that are just starting a new business you're watching my videos you can see how much i've been able to obtain 90 of this is no pg and there's more over there on the presentation side i'll show you so stay until the end so you guys can understand this clearly and i'll tell you step by step how i did it and it's nothing secret just follow the steps you know um even with bad credit you can still get this you know i wish that damn banner wasn't in my space all the time i'm right-handed so anyways maybe i should just step back a little bit on the mic okay so like i said it wouldn't be fair like some of these other channels out there they've been in business since 2016 but they're saying oh i got approved for this card i got proof of that card this card no pg or whatever you know that's not really being fair because most of you guys that are building business credit up or searching how to build business credit chances are you're either just started your llc or your c corp or s corp in the last month or two or you're looking to start a business or you started your business within the last year or so you know and now you're one to build business credit up so you know i wanted to you know use one of my corporations that had no business credit at all so you guys can google this too my name is joshua van horn i don't hide anything everything's public google me whatever you want to do but anyways van horn marketing llc that's my company i mainly do work for drug rehabs and attorneys law firms and stuff but i don't really handle that too much anymore my office manager does but anyways i filed in the state of ohio secretary of state ohio okay so you guys can verify and check this for all those that are a non-believer maybe there's a couple of you guys but i'm just putting it out there just in case you do when it checks and it's really getting annoying the the that part there i need to get that logo thing removed i've been meaning to do it anyways so right now we're at a little bit over one year the business has been established but guess what when did i start building business credit up because if you guys are my normal um longtime subscribers since march um you guys can go back there's like three or four videos on march you can actually see where i showed my experian business my actual real full paid experian business credit report not the nav free one nav one's fine and that business boost that's fine too but i actually paid the 200 and did the full report so you could see i had a score of 42 zero trade lines so zero trade trade lines and that was march 28th i believe 20 twenty one okay now it's now the mike's getting in the way okay so i had zero trade lines so that's why i said i'm gonna go and start building business credit up for this one so i could show you guys how to do it and the steps to take okay and this can all be verified too um and you guys have seen my experian reports in the past too but at zero trade lines but i still had a intel experience score of 42. how do you have a score if you have no trade lines easy and i've tried to explain this to a lot of you guys and there's a lot of people out there and especially other youtubers or like disagree and i'm not going to get into all that baloney and shenanigans because experian commercials actually commented on my videos they're not commenting on anybody else's videos they comment on mine you know so i must be doing something right you know um but you can have a score even have no trade lines you can have say like i had a 42 experian and telescore and that's because the industry code all that sick codes all that information was there even though the second or the lexus nexus grabs that data and sells it to the business credit bureaus it's bare bones it just has the business name maybe the address sometimes the address is misspelled or abbreviated wrong and that's it they don't have telephone number or anything like that so what you have to do is you have to update that information so you want to put the key personnel which is the ceo or manager so that's going to count as a point exactly how many points i don't know but the more information i kind of wish i had my report in front of me or s on the screen i don't have it right now but you guys know what i'm talking about if you've watched my other ones but having a bare bones profile with no trade lines that's not going to get you a 42 score you know might get you a zero or none at all or 10 or something but when you have key personnel phone number website address um and you have you know when it was incorporated what type of corporation it is your sit codes your nics codes you have all that data provided to the credit bureaus ben and bradstreet experian equifax credit safe if you want but let's worry about just experian because to me that's the most important one but you give them all that information that's the more information they have for you so that's why i had a 42 score before i even started getting any trade lines so next what i did is i right at the same time in march i got nav sorry my handwriting's bad plus my parkinson's and stuff so that's why if you see me you guys shaking it's just by parkinson's it's hard to write to one especially even though i'm on my medicine um so i got the nav business boost you know 39.99 a month

it's going to report a cash payment to all the business credit bureaus so that's going to help a little bit but i'll tell you what that was the first thing i did but it took a while i think it took like 30 40 days before it actually um got on my experience credit report business credit report but i already paid 189 dollars when there was nothing on there it's completely empty now but bang i'll show you guys what happened or what i did okay so hopefully you guys won't see that so what i did very first thing i did and i'm i'm missing one here too you know i have all these cards here let me tell you guys exact order what i did i should have put it in order on this board but i didn't okay bye-bye there it is so what i did is i went over to um conocophillips 7666 this carter in here thanks to lincoln um image printing plus he told me about it because we all know most of the cards out there are underwritten through wax right here wax right most of the cards are i mean there's a speedway card here speedway's also underwritten through wax but not this one there's different kinds so just like there's 76 conoco philip 66 those are also through wax they have ones as well but for this particular card i applied for it it's underwritten through synchrony bank the bank that pretty much underwrites all those retail store cards for personal right so i applied gave them the honest information on my brand new business no trade lines at all i asked for i think one thousand because it asked for a minimum spend it was no personal guarantee as well i made two videos about it people are now starting to copy me about this card like crazy like it's something new i've been talking about it for six months almost now but anyways you guys go back and watch those other two videos if you don't know about it but anyways it they gave me 1500 instant approval i didn't have to call in or anything like that instant approval 1500. synchrony bank revolving no pg one of the very few commercial revolving no pg gas cards that exist one of the very few just like synchrony banks the one that's the only no pg business credit card out there which is the sams club mastercard they're also the underwriter through lowe's and the amazon jc pennies so anyways i got excited there because i didn't expect to get approved because technically this would be like a tier three if you follow everybody else's advice so they gave me 1500 then i applied for this one jc penney's jc penney's does not report though but it's still enter banking relationship so that's why i did it uh it's another synchrony bank card you know commercial card no pg as well so part of building business credit up isn't to just get all these cards it's to utilize them for one but also to build up the interbanking relationship with say synchrony community uh fleet core wax you know the list goes on msts best buy crutchfield you want to build up the relationship so then you have all the funding because if you you know you take care of synchrony on this card it's going to be a lot easier for you to get the amazon 55 revolving and to get the lows the sam's club master card that's the one i know pg but back to my point and what this video was about because maybe i'll do a live stream tonight and break a lot of this down again okay so i did the 15 i got the 1500 on this one and then like i said it's um no pg after i did that i didn't go after wax because i knew wex is going to be harder they are more strict on things i froze my experian uh personal credit and i went after this one here which is the universal premium fleet card just so i you guys can see it all these are through the same underwriter by the way it's all fake core okay and don't get carried away and get too many fleet core cards because you'll get shut down there's a limit just like wex has alignment and stuff um i'm becoming a strategic partner with fleet core now now that i've been promoting and you know teaching about what you need for fleet core which is com data i'm working with them hopefully they'll come on a live stream with me here soon but anyways i started with that at a 200 deposit okay 200 deposit because a lot of times what they'll do is match you because nothing can come up they literally pull experian uh personal and business but if it's locked if your personal experience is locked then it's going to be a soft pull because that happens almost every single one of these cards are soft pulling my personal credit even though my credit's locked they can still get into it um i think the time when they a lot of you guys have said that you guys applied for some of these cards and you got a hard pull through experian and they said it's just for identity verification purposes that's what it's supposed to be and they're kind of misleading on that so um you know you can challenge those inquiries for sure but it's better just to freeze or lock your personal uh credit but i think what happens with fleet core of course they're not going to tell you the secrets but i think their automated system when you start typing in and i'll show you guys later in a live stream any of these fleet core applications through these different brands you start typing in your business name and putting your zip code and it's going to get a drop down almost like a listing and if it has that information that's they're pulling that instantly through api directly through experian business if they have that you're gonna increase your chances for approval but if there's no drop down coming up then the chances are you're probably gonna get um either have to do a personal guarantee or a deposit but anyways back to what i was saying i did a 200 deposit because most of the time they'll give you options to do 200 500 i think a thousand or 1500 they'll match it three times so if you did a thousand you get a three thousand dollar credit limit okay so i just did the minimum 200 and it gave me a 600 limit okay and i think i only used that very little i mean my aunt i think was using it for like 20 30 a week or so you know for her guess now we're starting to use a lot of these because now i'm getting into the transportation business so a lot of these will come in handy but anyways like i said i got that and you know what that does is that gets you in the relationship with fleet court now they know your real business now they can trust you so i think what i did is i maybe one or two invoices because they give you like a net 14 but really it's like a net 21 because by the time say you pump gas today by the time they send you the invoice it's gonna be like uh five to seven days later and then after that it's going to be the net 14 at that point and sometimes they do like net 15 as well net 21 i have different ones with each one of them um but anyways and the reason i'm telling you about how good fleet core is they report they'll get your experian even brand new business as long as you get these cards go right up no joke i have the proof to back it up but you have to use it because they're not going to keep giving you these cards just so you have them and then you're not using them it's a waste you know it's a waste for them you're wasting their time and everything you know so you're gonna have to use them rotate them you know i'll get into that another day so after this card i think it was two weeks later i paid just one invoice and then two weeks later i'm trying to think what order i went in i had the paperwork um i think yeah it was this one the bp the bp business solutions so i got that one and that was uh no pg of course no deposit they gave 1200. i made a mistake i wanted to get that mastercard one because i didn't realize you could only use that i mean i guess i did realize it i just clicked it and was like because we got bps everywhere in ohio but other places you know outside of wyo there's not many bps from what i've been told so i'm like okay i'll use that plus there's perks to it you get six cents off the gallon verse if you use say one of these other cards at a different station then you're gonna get the cash price you know if that makes any sense it's already 25 minutes i didn't mean to be this long and i'm not even close to being done so you guys just please stay tuned watch it all you want to know all this information and it also hurts the channel if you guys just stop watching it hurts the algorithm so appreciate you guys just buckling up i don't want to you know use my situation in the last 10 days but i'm back now three more videos coming after this so but they'll be short all right um so like i said got that and then after that believe it or not it was the super fleet so i came across the speedway super fleet which i always saw all the speedway cards being underwritten through wax so the superfleet is a special link you have to go through i'm gonna make a video about it some of these cards that i haven't already made videos about i'll make a standalone quick three or four minute video about how to go about it but anyways it's pretty easy superfleet.net i believe because if you go through the regular speedway uh website for fleet it's gonna go through what you'll see that the form and everything so this one i did and then again instant and i literally got these two the same day same day you know i was just testing my luck i'm being a guinea pig for you guys so got two thousand then i used them a couple weeks two weeks i think two three weeks and then i applied for the fuel man mastercard boom 9500 were shocked on that did not expect that i think i only put down that fuel uses like 2 500 or 3 000. um

they gave me 9 500. and then i'm like well the bp mastercard i want because i'm probably not going to use this and i'll probably end up canceling it so i did the and this one was just probably this was in june because you can see the dates on it hopefully you guys can't read all all this information but you guys can see this was in march this one was in april fuel man was in april that one maybe doesn't even say um this is the store card and then this was in gym this was my last approval right through fleet core 6500 okay and i just spaced them out between a couple weeks but i use them and especially now i'm really utilizing them i hired some more employees and we're doing some transportation business in ohio so they're slowly starting to get used and i will need this so my total right now for brand new business basically and only been building business credit since march end of march i have thirty nine thousand one hundred dollars no pg fuel cards some are net 14 some are not 30. so like i said and this kind of proves it too these are my actual invoices here i don't know if you guys can see that these are recent invoices you know that i put each one this speedway you know so 2 000 on that one 95 665 you know so and it shows and these are all six they're all in the last month the dates as well because i actually just paid them on a couple days ago all right now on to these you guys know about a to b so they gave me 2 000 they didn't even really mess with me at all because i was the first to really make a video about them and i been talking to the the founder of the company so he just got me cards out so i could you know do a good review for him but the reviews are great everybody that's uh isn't using them i think we're up there right now um 400 and some referrals you know using my link so that's great appreciate that you guys are really using them too i see a lot of you guys are four five six seven hundred gallons so anyways they gave me two thousand that's a net seven seven days so it's not great but eventually they'll move that to uh net 14 days once you show some payment uh experiences but anyways back to what i said all these are going to boost your credit score and they they count as kind of revolving they uh unexperienced shows revolving you know so um under financial trades not under trade lines under financial trades so that's very good okay wax give me 5 000 and this is the main wax card that you can book hotels and stuff with as well um that's a net 30 account which is good the only bad about wax is they tend to charge you a couple fees every month and they're hit or miss on they they're they don't have consistent reporting at least with all the fleet core cards i know the first week of every month it's all of them are going to be reported all of them month after month you know i'll show you guys later and then also like this one the conoco phillips through synchrony bank they religiously report like on the second of every month okay this is my latest one that i got which is also underwritten through wax which is the shell fleet plus 10 000 so that's my highest one i didn't expect them to give me that at all i just was like hey the second biggest gas station in ohio i think a shell so i just applied for show they came back and said they needed to verify my identity because they didn't pass because i had my lexus nexus frozen and stuff on the personal side so i just had to show my passport and then they manually put it through ten thousand and then the x pilot flying j 800 but that's like a net one or two day terms but anyways the show that's net 30 that's net 30. so what you can do is if you're in trucking or transportation business you could actually strategically use these for your business to kind of free up cash flow for potentially 60 days 180 days if you use them strategically okay so and like i said 90 of all my business credit is all in the last four months i i know i've said that 90 is um no personal guarantee all these gas cards are no personal guarantee all right that's going to be about it for this particular presentation okay you guys i hope i didn't bore you guys too much i just want to show you guys so many cards here so many more they're kind of all over the place but stay tuned i got three more videos for you guys tonight and i might do a live stream at nine or ten o'clock tonight all right um let me get this video rendered again if you guys found this helpful please smash that thumbs up and subscribe don't forget to turn the bell notification on to really appreciate it hopefully this wasn't boring this was my first time doing like this type of thing whiteboard thing i'm sure the more i do it and since i've been away for 10 days i got to get back in the groove to talk faster and stuff but i like to explain things make it you know personal and go through step by step with you guys oh another only other thing i did it was a uline um you know with uh uline i got got a proof with uline but i'll tell you i have now six or six revolving financial trades i have now business boost under trade lines and then new line that's all that's actually reporting right now and i have a risk score of one which is the best you can have and i have a 88 intel score it fluctuates too much too so don't worry about it i had a uline invoice for 63 it wasn't even passed through but because i only had like four trade lines it dropped me down to like 33 and then as soon as the invoice was paid and they updated it then it shot it back up so you want to get more trade lines but you want to use them okay i can't i'll do that in another video but there's no point of having all these if you don't use them and i'm gonna stress this out because i talked about fleet core a lot in this video okay their customer service may not be the greatest i know a lot of you guys have said that in the past your customer service may not be the greatest but they give pretty much everybody a chance one way or another and they're adamant about helping you build business credit all the reps will tell you that even their deposit program will tell you they want to help you build business credit up they are a very close partner with experian they report religiously if they're not reporting to your experian and you have any of these fleet court cards the only fleet core only has maybe they have casey's and i think four or five others don't go get all these like i did because it's kind of pointless especially if you're not going to use them the most i would do is three and use them you know show them that you're using them but don't have like a ten thousand dollar limit like this one and only be using a hundred or two hundred dollars a month eventually they're gonna shut it down or lower the limit or something you need to use it and stuff you know so just be smart about it but always pay fleet core they're very good no pg they're one of the few out there that are they do what they say they're gonna do okay all right until next time you guys take care sorry this went on so long hopefully you guys can hear me okay see me okay and let me get moving on video two of four all right this video will render hopefully this will be up in the next like 30 minutes or so i don't know why i'm telling you guys that anyways you'll see it when it comes out all right you guys take care thanks for the support and love and thanks for all the kind words and condolences for my sister really appreciate it her service was absolutely beautiful all right you guys take care love you all see you guys

2021-07-14 22:16

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