Stop Risking Your
Personal Credit!
Get $15K–$50K in Business Credit Cards WITHOUT Using Your Personal Guarantee
Whether you're just starting out or already running a business — we build your complete business credit profile in 10–12 weeks. Starting at $199.99 with $0 down via Klarna.
Build Real Business Credit — No Personal Guarantee. No Shortcuts. Just Results.
We take the guesswork out of building corporate credit. Our proven, step-by-step system gives your business the foundation it needs to access no personal guarantee (no-PG) credit lines, business MasterCards, and large business funding — all in your company's name alone.
This is the start of building your corporation to access no-PG funding. The more payment history you build, the more access you will have to larger no-PG business credit lines and funding.
See How It Works
Watch how WBC Consulting Group helps business owners like you build No PG business credit from the ground up — in 10–12 weeks.
What We Do For You
A complete, coached step-by-step process — from corporation setup to no personal guarantee MasterCards.
Why You Need an Aged Corporation in the Right Industry
Not all industries are created equal when it comes to business credit approvals. Lenders and vendors have preferred industries they approve more readily — and placing your corporation in the wrong industry can cost you approvals before you even apply.
That's why we place you into an aged corporation already established in the correct industry classification. This gives your business instant credibility with lenders — a company with history, structure, and the right industry codes already in place.
Industries with the highest approval rates include:
Why You Need Dun & Bradstreet (D&B) & NAV Financial Reporting
Your Dun & Bradstreet (D&B) profile is one of the most critical pieces of your corporate credit file. Lenders, vendors, and financial institutions check your D&B profile before making approval decisions — and a thin or empty D&B file is one of the fastest ways to get denied.
We assist you with:
- ✓ Establishing and activating your D&B profile — DUNS number secured, profile fully verified and lender-ready.
- ✓ Adding verified financials to your D&B file to strengthen your business credit score (PAYDEX Score) and increase approval odds.
- ✓ Building your D&B profile to reflect a financially credible and established business — so lenders see exactly what they need to say yes.
- ✓ NAV Business Profile Setup — monitor and manage your business credit scores from day one via Nav.com, one of the most trusted business credit monitoring platforms in the US.
- ✓ Ensuring your D&B file is lender-ready before you start applying for any credit or funding.
Everything You Need — In One Package
Both packages include the full credit building stack. Choose based on whether you already have a corporation or need one built from scratch.
- ✓ Dun & Bradstreet (D&B) Profile Setup DUNS number secured • D&B business profile fully activated and verified
- ✓ NAV Business Profile Setup Monitor and manage your business credit from day one at Nav.com — trusted by over 1 million businesses
- ✓ Paydex Score Built to 85+ Net-30 vendor trade lines + early payment coaching = rapid Paydex growth to 85+
- ✓ $15K–$50K in No PG Business Credit Cards Home Depot, Sam's Club, Lowe's, Uline, Grainger, Staples, Office Depot & more — NO personal guarantee required
- ✓ 10–12 Week Process A clear, coached roadmap from setup to card approvals — step by step
- ✓ Split Pay & Klarna Available Start today with $0 down — flexible payment plans available on both packages
Choose Your Package
Two options. One proven process. Pick what fits your situation.
$549.99
I Need Everything — Build Me From Scratch!
- 6+ Year Aged Corporation Included
- Dun & Bradstreet Profile Setup
- NAV Business Profile Setup
- Paydex Score Built to 85+
- $15K–$50K No PG Business Credit Cards
- NO Personal Guarantee Required
- 10–12 Week Process
$0 Down — Split Pay & Klarna Available
Get Started — $0 Down with Klarna$199.99
I Already Have My Corporation — Just Build My Credit!
- Dun & Bradstreet Profile Setup
- NAV Business Profile Setup
- Paydex Score Built to 85+
- $15K–$50K No PG Business Credit Cards
- NO Personal Guarantee Required
- 10–12 Week Process
$0 Down — Split Pay & Klarna Available
Get Started — $0 Down with KlarnaOur Promise to You
Pay the Balance Only After Your
Paydex Hits 85!
We are so confident in our process that you don't pay your remaining balance until your Paydex Score actually reaches 85. We put our money where our mouth is.
Building Your Payment History & Store Card Accounts
As you begin building your corporate credit profile, you will become eligible for no personal guarantee store credit accounts and Net 30 vendor accounts. These accounts report directly to business credit bureaus and build the payment history that unlocks even larger credit lines.
No Personal Guarantee Store & Vendor Accounts You Can Access:
- Sam's Club Business MasterCard Revolving Credit
- Home Depot Commercial Revolving Charge Card Revolving Credit
- Lowe's Business Credit Card Revolving Credit
- Office Depot / OfficeMax Business Credit Account Revolving Credit
- Staples Business Advantage Account Net 30 / Revolving
No Personal Guarantee Business Credit Cards
Once your Paydex Score hits 85+ with 5+ tradelines reporting, you qualify for major store and fleet cards — no personal credit check, no personal guarantee.
| Card / Vendor | Credit Limit | Timeline | Reports To |
|---|---|---|---|
| Home Depot Commercial | $5K – $15K | Wks 8–10 | D&B |
| Sam's Club Business | $5K – $10K | Wks 8–10 | D&B |
| Lowe's Business | $3K – $10K | Wks 8–10 | D&B |
| Uline | $1K – $5K | Wks 6–8 | D&B |
| Quill | $1K – $3K | Wks 6–8 | D&B |
| Grainger | $2K – $7.5K | Wks 7–9 | D&B |
| Staples | $2K – $5K | Wks 8–10 | D&B |
| Shell / Fuelman Fleet | $5K – $10K | Wks 10–12 | Equifax |
| Office Depot | $2K – $5K | Wks 8–10 | D&B |
| Total Credit Access: $15,000 – $50,000+ (varies by profile & lender review) | |||
Unlocking No Personal Guarantee Business MasterCards & Corporate Credit Cards
Once your PAYDEX score reaches 85 and above, you will begin qualifying for no personal guarantee business MasterCards and corporate credit cards — credit cards issued entirely in your corporation's name with no tie to your personal credit whatsoever.
These Cards Open Doors To:
- Higher credit limits in your business name only
- No personal liability for business debt
- Stronger corporate credit profile across all major bureaus
- Access to larger no-PG business funding and credit lines
Some of the no-PG business MasterCards you may qualify for include:
Brex Business MasterCard
No PG RequiredRamp Business MasterCard
No PG RequiredStripe Corporate MasterCard
No PG RequiredSVB Business MasterCard
Silicon Valley Bank — No PG RequiredDivvy Business MasterCard
Powered by BILL — No PG RequiredMercury Business MasterCard
No PG RequiredYour 10–12 Week Roadmap
A clear, step-by-step timeline from day one to No PG card approvals.
1–2
Corporation Activated & Foundation Built
Aged corporation activated (Package 1) or existing corp confirmed. EIN registered. D&B DUNS secured. NAV business profile created. Business listings verified.
3–5
Vendor Accounts Opened & Early Payment Strategy Begins
5+ Net-30 vendor trade lines opened and reporting to D&B, Equifax, and Experian. Strategic purchases made. Early payment coaching begins — this is what drives Paydex to 85+.
6–7
Accounts Reporting — Paydex Score Climbing
Trade lines actively reporting. Your Paydex Score begins climbing toward 85. Score is monitored and adjustments made as needed to stay on track.
8–10
Paydex Hits 85+ — Card Applications Begin
With Paydex at 85+ and tradelines established, Phase 2 card applications begin across major vendors. No personal guarantee required at this stage.
10–12
Cards Approved & Activated — $15K–$50K in Business Credit
No PG business credit cards approved and activated. $15,000–$50,000+ in total credit unlocked — zero personal guarantee, zero personal credit impact.
Why a Paydex Score of 85 Changes Everything
Paydex is built on business payment history only — not your personal credit. A score of 85 signals PREMIUM payer status to lenders, unlocking funding and credit that other businesses simply cannot access.
Poor personal credit? No problem. Paydex is 100% based on your business payment history — this is a completely separate credit system that protects your personal assets.
Perfect For…
This program was built for business owners who need real, bankable results — without personal credit standing in the way.
New & Early-Stage Business Owners
Just getting started? An aged corporation gives you the history lenders need to say yes — from day one.
Owners with Credit Challenges
Poor personal credit doesn't block you. Paydex is built on business payment history only — completely separate from your personal score.
Entrepreneurs Separating Business & Personal Credit
Stop putting your personal assets at risk. Build a fully independent business credit profile that protects you.
Real Estate Investors
Access vendor lines and business credit to fund acquisitions and renovations — no personal guarantee exposure.
E-Commerce & Product Sellers
Use No PG vendor lines at Uline, Quill, Staples, and Office Depot to scale inventory without capital constraints.
Anyone Ready to Access $15K–$50K Without Personal Risk
If you want real business credit that protects you personally and opens funding doors — this is your program.
Trusted by Business Owners Just Like You
"I had no idea aged corporations could open so many doors. Within weeks, I had access to funding I never thought possible — and no PG required!"
— Marcus T., Business Owner"The Klarna option made it a no-brainer. Zero down and my Paydex Score was at 85 faster than I expected. Highly recommend!"
— Danielle R., Entrepreneur"I already had my LLC and only needed the $199.99 package. Best investment I made for my business credit."
— James K., Small Business OwnerFrequently Asked Questions
What is a Paydex Score?
A Paydex Score is Dun & Bradstreet's business credit score, ranging from 1–100. A score of 85 means your business pays its bills ahead of schedule — qualifying you as a premium, low-risk payer in the eyes of lenders and vendors.
What does "No Personal Guarantee" mean?
No Personal Guarantee (No PG) means lenders extend credit to your business without requiring you to personally back the obligation — protecting your personal credit, assets, and finances entirely.
What is the "Pay After Paydex 85" promise?
We are so confident in our process that you don't pay your remaining balance until your Paydex Score actually reaches 85. No results = no final payment. Simple as that.
How long does the full process take?
The complete program runs 10–12 weeks. Weeks 1–2 cover setup and foundation. Weeks 3–7 build and optimize vendor tradelines. Weeks 8–10 target Paydex 85+. Weeks 10–12 are focused on No PG card approvals.
Can I qualify even with poor personal credit?
Yes. Paydex is based entirely on your business payment history — not your personal credit score. This program is designed for business owners who face personal credit challenges.
What if I already have a corporation?
You only need Package 2 at $199.99. We'll set up your D&B DUNS, NAV profile, vendor trade lines, and coach you all the way through to No PG card approvals.
How does Klarna & Split Pay work?
Klarna lets you split your payment into monthly installments with $0 due today. Select Klarna at checkout and choose the plan that works for your budget — start immediately without a lump-sum payment.
❓ Can I convert my No-PG store card credits into cash?
Yes — there are legitimate ways to convert your business store card credits into usable cash or cash equivalents. See the two proven methods in the section below.
Can I Convert My No-PG Store Card Credits Into Cash?
Yes — here are two proven methods business owners use to convert store credit lines into liquid cash while simultaneously building their corporate credit history.
💳 Purchase Gift Cards & Use a Gift Card Exchange Service
Many store accounts allow you to purchase gift cards using your business credit line. Once you have the gift cards, you can convert them to cash through a reputable gift card exchange service.
Example — Raise.com
- One of the most well-known and reputable gift card resale platforms in the US
- You sell your unwanted gift cards directly on the Raise marketplace
- Raise typically pays out 70% to 92% of the card's face value depending on the retailer
- Payments are sent directly to your bank account or PayPal
You use your Staples Business Advantage Account to purchase $1,000 in Staples gift cards. You list them on Raise.com and receive approximately $850 cash deposited into your account.
You just converted $1,000 in store credit into $850 liquid cash — with no personal guarantee on the original credit line.
📦 Purchase Goods & Resell for Cash
Use your no-PG store credit to purchase in-demand physical goods, then resell those goods for cash through online or local channels.
How It Works:
- Purchase high-demand items using your store credit accounts — electronics, tools, office supplies, cleaning products, building materials, etc.
-
Resell the items through:
- Facebook Marketplace — fast local cash sales, no fees
- eBay — national reach, excellent for electronics and tools
- Amazon FBA — sell at scale with Amazon's fulfillment network
- OfferUp — local buyers, quick turnaround
- Collect cash or direct deposit from your sales.
You use your Home Depot Commercial Revolving Charge Card to purchase $2,000 worth of power tools. You list the items on Facebook Marketplace and eBay and sell them for $2,400 — generating a $400 profit while building your corporate credit history.
Not only do you generate cash — but every time you use and pay off your business credit accounts, you are actively building the corporate credit history that unlocks even larger no-PG funding.
This Is the Beginning of
Something Powerful.
Every payment you make, every account you open, and every vendor relationship you build is stacking the foundation that will give your corporation access to serious no-PG business funding.
The businesses that access hundreds of thousands in no-PG corporate credit didn't get there overnight — they built it. And we're here to help you build it the right way, step by step.