What does business structuring include?

Our business structuring service covers LLC formation guidance, EIN setup, DUNS registration, Experian and Equifax business profile setup, business banking readiness, professional email & phone — every element lenders check before approving your application.

Do I need to structure my business before applying for funding?

In most cases, yes. Lenders look for properly formed entities with a business bank account, EIN, and clean compliance history. Applying without these in place significantly reduces your chances of approval. We help you get there first.

What types of funding do you help with?

We help connect businesses with business credit cards, lines of credit, term loans, SBA loans, and revenue-based funding. The right option depends on your business profile, revenue, time in business, and credit history. We match you with the best fit.

How quickly can I receive funding after applying?

Once your business is properly structured and your application is submitted, most clients receive a funding decision within 24 to 48 hours. Funds are typically deposited within 1 to 3 business days after approval.

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Guide · 16 Pages · Week-by-Week Plan

90-Day Credit Building Roadmap

A week-by-week action plan to establish and grow your business credit score in 90 days — with vendor recommendations and milestone tracking.

LuxeNova Capital Concierge · Exclusive Client Resource

90-Day Progress

0 of 49 tasks completed

90-Day Phase Overview

Phase 1

Foundation Setup

Weeks 1–2

Phase 2

Bureau Registration

Weeks 3–4

Phase 3

Tier 1 Tradelines

Weeks 5–8

Phase 4

Score Building

Weeks 9–10

Phase 5

Tier 2 Accounts

Weeks 11–12

Phase 6

Assessment

Day 90

Week 1–2Foundation

Business Foundation & Identity Setup

0/8

Confirm LLC/Corporation is active and in good standing

Critical

Verify EIN is obtained and matches business registration

Critical

Open dedicated business checking account

Critical

Set up business phone number (not personal cell)

High

Create professional business email with company domain

High

Ensure business address is physical (no P.O. Box)

High

List business in 411 directory assistance

Medium

Launch or update business website with contact info

Medium

🎯 Phase Milestone: Business identity is consistent and verifiable across all platforms

Week 3–4Credit Bureau Registration

Register with All Three Business Credit Bureaus

0/7

Critical

Claim and verify Experian Business profile

Critical

Claim and verify Equifax Business profile

Critical

Set up D&B CreditSignal for free score monitoring

High

Review all three bureau files for accuracy

High

Dispute any inaccurate information immediately

High

Confirm business NAP (Name, Address, Phone) is identical on all bureaus

Critical

🎯 Phase Milestone: Business credit files exist and are verified at D&B, Experian, and Equifax

Week 5–6Tier 1 Tradelines

Apply for Tier 1 Starter Vendor Accounts

0/7

Apply to Uline (shipping supplies) — Net-30 account

Critical

Apply to Quill/Staples (office supplies) — Net-30 account

Critical

Apply to Crown Office Supplies — Net-30 account

High

Apply to Summa Office Supplies — Net-30 account

High

Make first purchase from each approved vendor ($50–$200)

Critical

Set calendar reminders to pay each invoice 7 days early

Critical

Document all account numbers and credit limits

Medium

📋 Recommended Vendors This Phase:

UlineQuillCrown Office SuppliesSumma Office Supplies

🎯 Phase Milestone: 3–5 Tier 1 vendor accounts open with first purchases made

Week 7–8Additional Tradelines

Expand Vendor Tradeline Portfolio

0/6

Apply to Grainger (industrial supplies) — Net-30 account

High

Apply to Strategic Network Solutions (IT) — Net-30 account

High

Apply to Wise Business Plans — Net-30 account

Medium

Pay all Week 5–6 vendor invoices early (7+ days before due)

Critical

Verify first tradelines are appearing in D&B file

High

Make second purchase from Tier 1 vendors to maintain activity

Medium

📋 Recommended Vendors This Phase:

GraingerStrategic Network SolutionsWise Business Plans

🎯 Phase Milestone: 5–7 total tradelines open; first accounts beginning to report to bureaus

Week 9–10Score Building

Monitor Scores & Optimize Payment Behavior

0/7

Check D&B Paydex score (target: 70+ at this stage)

Critical

Check Experian Business Intelliscore

High

Pay all outstanding vendor invoices early

Critical

Dispute any errors or missing tradelines with bureaus

High

Ensure business bank account shows consistent positive balance

High

Apply to 1–2 additional Tier 1 vendors if needed to reach 5+ tradelines

Medium

Review business credit reports for completeness

Medium

🎯 Phase Milestone: Paydex score 70+; 5+ tradelines reporting across at least 2 bureaus

Week 11–12Tier 2 Accounts

Apply for Tier 2 Business Credit Accounts

0/7

Apply for Home Depot Business Account (store card)

High

Apply for Lowe's Business Account (store card)

High

Apply for Staples Business Credit Card

Medium

Apply for WEX Fleet Card (if applicable to business)

Medium

Continue paying all vendor accounts early

Critical

Verify Paydex score has reached 75+ before applying

Critical

Document all new account approvals and credit limits

Medium

📋 Recommended Vendors This Phase:

Home Depot BusinessLowe's BusinessStaples BusinessWEX Fleet

🎯 Phase Milestone: 2–3 Tier 2 revolving accounts approved; Paydex 75+

Week 13 (Day 90)Assessment & Next Steps

90-Day Assessment & Phase 2 Planning

0/7

Pull all three business credit reports for full review

Critical

Verify Paydex score has reached 80+ (target)

Critical

Count total active tradelines (target: 7–10)

High

Calculate total available business credit

High

Identify any gaps or missing bureau reports

High

Prepare for business credit card applications (EIN-only)

Medium

Schedule review with LuxeNova concierge for Phase 2 strategy

High

🎯 Phase Milestone: Paydex 80+; 7–10 tradelines; ready for business credit cards and lines of credit

Score Targets by Day

Milestone	D&B Paydex	Experian Intelliscore	Active Tradelines	Next Step
Day 30	N/A (file created)	N/A (file created)	0–2	Apply Tier 1 vendors
Day 60	70–75	40–60	3–5	Pay early, add vendors
Day 90	80+	60–75	7–10	Apply Tier 2 accounts
Day 180	80+	75+	10–15	Business credit cards

LuxeNova Capital Concierge · Exclusive Client Resource