Read about Novae's recent acceptance into the prestigious Direct Selling Association on Yahoo Finance



"Unlock the hidden path to maximize funding for your business!"

Our proven strategies use your business EIN, regardless of your personal credit!

Key Benefits:

Understand & improve fundability of your business

We address your Business Lender Compliance items to identify missing items lenders require for approval.

Establish & utilize tiers of business credit

We walk you every step of the proven & tested method on the journey to access money for your business.

Secure new business loans & credit lines

We will continue to develop your profile until you are approved for business funding of at least $50,000*.
* The $50,000 funding guarantee is based on our advisor team of Business Credit Experts assisting the client with securing several credit approvals, up to $50,000, through each tier of funding described below. If the client does not comply with the plan or practice healthy financial behaviors, funding may not be approved.

Build your business credit in 4 steps with guidance from our expert advisors!

  • Fundable Foundation

      Fundable Foundation

    Start your business credit journey with confidence.

    We know the lenders' hidden criteria for funding and we'll guide you through understanding and meeting each item! We will also help you:

    • Choose the right business entity for protection.
    • Set up a credit-friendly business address and phone number.
    • Save on listing costs with 411 registration and internet listing visibility.
    • Navigate business bank account setup.
    • Set up your corporate domain, email and website.
    • Avoid the red flags that lenders look out for.

    We truly simplify your path to business credibility and maximize your financing opportunities with our Business Credit Finance Suite!

  • Business Credit Reports

      Business Credit Reports

    With our Business Credit Builder, we assist you in activating your business with the major business credit reporting agencies (BCRAs) and accessing your complimentary D-U-N-S number to help maximize funding opportunities!

    Here's how the program supports you:

    • Establish profiles with the major BCRAs.
    • Gain exclusive training on business credit reports and scores.
    • Monitor your information through your dashboard.

    Even one negative item on your business credit reports can lead to loan or credit card denials. Our program offers a straightforward solution to dispute and correct any inaccuracies across D&B, Experian, and Equifax, helping you build a robust business credit profile and score.

    We guide you through initial setup, assist in correcting inaccuracies, and monitor your progress, enabling you to secure high-limit credit and loans with favorable terms.

  • Initial Business Credit

      Initial Business Credit

    Securing initial business credit can be tough, especially since most trade vendors don't report to credit agencies. Our Business Credit Builder program helps you obtain usable EIN credit from vendors without a personal guarantee, even if you lack personal credit!

    Key benefits:

    • Approval for startups.
    • No cash-flow or bank statement requirements.
    • Unsecured credit with no collateral.
    • Approval without personal guarantees.

    Your new credit will report to Dun & Bradstreet, Experian, and Equifax Commercial, establishing tradelines and scores with all major agencies. This positions you to secure store, fleet, and cash credit.

    If you have good personal credit, you may qualify for our Credit Line Hybrid Program, offering:
    • Unsecured cash credit lines up to $150,000
    • 0% interest rates for 6-18 months
    • No-documentation approvals, even for startups
  • Revolving Credit

      Revolving Credit

    Once your initial business credit is established, access high-limit revolving credit cards in your business name linked to your EIN, no personal guarantee needed.

    Our Business Credit Builder helps you obtain:

    • Credit from places like Amazon, Dell, Apple, BP, and Chevron, with credit limits of $10,000-$50,000. Check each issuer's guidelines for pre-approval before applying.
    • High-limit, revolving fleet credit cards for vehicle expenses, covering maintenance, fuel, and repairs for both individual and fleet vehicles.
    • High-limit, revolving cash credit cards from Visa and MasterCard, no personal guarantee required.
    • Auto financing in your business name, no personal guarantee needed. Access multiple funding sources for one or more vehicles with no consumer credit reporting.

    We guide you through the entire business credit building process, from initial vendor accounts to high-limit store and fleet credit cards, cash credit, and auto financing, all without a personal guarantee!


We'll assist you with accessing credit lines with limits ranging from...

$5,000 to

Business Credit Finance Suite

Watch the Business Credit Finance Suite walkthrough

With our intuitive software and dedicated full-service business credit adviser team, we streamline the process of securing business credit, guiding you effortlessly at every step.

What's included in our program?

Scroll to right to view table
Business Credit Finance Suite
Business Credit Education & Restoration
Personal Business Coaching & Advisement
Access to Lending Sources in Specific Tiers
myNovaeDisputes Manager (12 months)
Experian Smart Business Monitoring data
Personal Debt & Budgeting Software
The Success of Your Business
Gain access to your Business Credit Finance Suite TODAY with a one-time payment:


Or choose 3 or 6 month payment options with access later

Don’t need everything included above?

D.I.Y. Business Credit Finance Suite

Our D.I.Y. Program offers the same credit building portal without the Advisor team but with the same access to all the business credit options. Roll your sleeves up and get started today for the low price of:

$995 one-time

Or choose 5-month payment plan and gain access after 2nd payment

Included with your D.I.Y. Program purchase:

  • Business Credit Builder D.I.Y.
  • Personal Credit D.I.Y. Kit
  • Access to ALL of the same Business Credit Tiers and information
  • Funding Specialist Team


What our clients are saying about the Business Credit Builder program

My financial consultant walked me through all the funding that my business could get approved for. I was able to obtain my $50,000 within 3 to 4 months

- Brian

This has been a lifesaver on all levels. Getting my LLC up and running, having advisors there to call when I need them.

- Michelle

The good thing about having a business credit profile is that she was able to apply for some business funding without even using her social security number.

I cannot tell you how excited, how happy I am that we found this solution. The only problem you're going to have, is that you did not find this sooner.

- Edward A.

The business finance suite has opened up possibilities for my business in the future that I never could have imagined.

- Cheryl

It's been everything it was advertised to be and then some. I'm not sure where you can find a program that is as comprehensive.

- Curtis H.

The business finance suite is an extraordinary product for business owners. It allows business owners to do two things - it allows them to build credit for their business, and get money.

- Brian H

The team is very supportive, very knowledgable about business credit and securing the best financial options for you, and they go through everything thoroughly.

- Jim

*NOTE: These consumers were not compensated monetarily nor compensated with product in exchange for their endorsement.

Learn From Our Business Credit Expert

Ready to get serious about knowing what's necessary to gain access to the capital you need for your business? Take a look at this 80 minute webinar with Novae's CEO Reco McCambry that he normally does around the country LIVE! It is sure to give you the details of what you need from A to Z, guaranteed!

Frequently asked questions

What is a Business Credit Bureau?
A business credit bureau is an agency that collects and researches data on businesses and sells it for a fee to lenders and credit issuers to make lending decisions. It may also be called a commercial business credit reporting agency, or a corporate credit bureau.
What is a Business Credit History?
A business credit history is the number of trade payment experiences which are reported on business credit reports. This includes payment terms.
What Does it Mean to Establish Business Tradelines?
Establishing business tradelines is the act of applying to and using accounts that report to the business credit bureaus.
What are Business Credit Reports?
These are reports produced by business credit bureaus highlighting a business foundation, and reporting business credit history, scores and ratings. These reports are compiled to help lenders and business owners access risk.
What Does it Mean to Build a Business Credit Profile?
A business credit profile is all the information included on all your business credit reports including all your business tradelines, business information, and business credit scores. Building your business credit profile means to improve accuracy and accumulate positive experiences and information which present your business in a favorable light.
What is a Personal Guarantee?

A personal guarantee is an individual’s legal promise to repay credit issued to a business where they are an owner, executive, or a partner.

With business credit agreements, giving a personal guarantee essentially makes you a co-signer on the business credit account. You will remain liable for any debts the business incurs. You have given a “personal guarantee” that you will be responsible for the debt.

In practice, this means that your personal credit will undergo a hard inquiry, since you are putting your Social Security number on the credit application. With enough hard inquiries, your personal credit score will be adversely affected.

What is a Trade Vendor?
A trade vendor is a vendor that issues trade credit, and trades product or services.
What is Trade Credit?
Trade credit is issued by vendors to businesses for the purchase of goods or services.
What is a Vendor Account?
A vendor account is an account issued to a business with a vendor. It is sometimes reported to the business credit bureaus. The term trade account is common, but it is more accurate to call this account a vendor account.
What are Business Tradelines?
Business tradelines are vendor accounts reported by the vendor to a business credit bureau. This information is included in a specific location in a business credit report.
What is a Trade Payment Experience?
When a businesses’ payment activity in relation to a new or continuously reported tradeline is recorded by a business credit bureau.
What Does Continuously Reported Mean?
A continuously reported business tradeline is one that is over 6 months old that has reported multiple payment experiences.
What Does the Term ‘Newly Reported Tradelines’ Mean?
A business tradeline is referred to as newly reported if it is up to 6 months old and has reported payment experiences.
What is an EIN?
EIN stands for Employer Identification Number. It is a nine-digit number assigned by the IRS, used to identify the tax accounts of employers and certain others with no employees. The IRS uses the number to identify taxpayers who are required to file various business tax returns. EINs are used by employers, sole proprietors, corporations, partnerships, nonprofit associations, trusts, estates of decedents, government agencies, certain individuals, and other business entities. Get your EIN for free directly from the IRS.
Is There Such a Thing as a Business Credit Inquiry?

You may be wondering: do business credit inquiries hurt my credit? Unlike with personal credit, anyone can pull your business credit reports. This does result in inquiries.

However, unlike with personal credit, business credit inquiries don't negatively affect your Fundability or business credit scores with each business credit bureau.

What Are Business Credit Tiers?

Business credit tiers are actually Credit Suite terminology. Our business credit advisors continually check and recheck vendors and other credit and business financing issuers. There are differences in terms of how easy or difficult it is to be accepted for credit, and what you may need to provide to qualify.

For example, business credit tier 1 is vendor credit, where you need very little to get started. You can qualify with few payment experiences on your business credit reports. You may be able to qualify with a short time in business, such as six months. Or you may be able to get around certain more stringent requirements by offering a personal guarantee or making a deposit to secure the credit.

And to get to business credit tier 2, you will need to have at least three trade accounts reporting to the business credit bureaus.

How does Business Credit work when seeking loans?

When a lending institution has more than just your personal credit scores to look at, they will review any other information which they believe will better answer their one big question: will you pay them back?

Because it’s possible to have good business credit with bad credit on the personal side. But if your business credit is good enough for a lender, they will weigh it more heavily in their decision.

Lending institutions will let your business credit guide them as they pull your business credit reports and look for a few things.

  • Do you pay your bills on time?
  • Are there a lot of negative/derogatory items on your credit reports, such as lawsuits or liens?
  • How long have you been in business?
  • Is the business credible?
  • Does the information on the business credit report match the information received on the application?

If the answers to these questions satisfy the lending institution, then you’re more likely to get a loan, although it will not necessarily be for exactly the amount you were originally seeking.

If your business and/or personal credit is already in good shape OR you have good business revenue ...

Novae is a proud member of the Direct Selling Association and a Signatory of the DSA Code of Ethics. To file a business complaint, email This email address is being protected from spambots. You need JavaScript enabled to view it..
DSA Member
Atlanta Black Chambers
Georgia Chamber
Conyers Rockdale Chambers
Novae Credit and Money
Novae is a fintech company that provides greater access to credit, capital, and entrepreneurship for consumers and small businesses nationwide, with a particular interest in empowering underserved communities, driving financial inclusion! Founded in 2014, we serve clients across all 50 states, including Puerto Rico.

Novae, LLC
1506 Klondike Road Ste 403
Conyers, GA 30094

Phone: (678) 750-3787
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Your Novae Representative

E & S Direct LLC

Tel: 803-977-4016

Connect with Novae
Novae, LLC BBB Business Review
Novae Credit and Money
Novae is a fintech company that provides greater access to credit, capital, and entrepreneurship for consumers and small businesses nationwide, with a particular interest in empowering underserved communities, driving financial inclusion! Founded in 2014, we serve clients across all 50 states, including Puerto Rico.

Novae, LLC
1506 Klondike Road Ste 403
Conyers, GA 30094

Phone: (678) 750-3787
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Your Novae Representative

E & S Direct LLC

Tel: 803-977-4016

Connect with Novae

Novae, LLC BBB Business Review
© Novae - All Rights Reserved
© Novae - All Rights Reserved