Additional Information for Tier 3
The Full Package Business Builder is designed to make your business funding-ready. By this stage, your company won’t just look credible on paper — it will have the tradelines, history, and monitoring systems needed to secure real capital.
Timeline:
Setup & applications: 4–6 weeks
Reporting & seasoning: 3–6 months for full tradeline history to show
Funding-ready: After at least 3–4 tradelines report consistently with positive payments
Results You Can Expect:
4–6 positive tradelines reporting to D&B, Experian, and Equifax Business
4–6 hours (funding prep, sequencing strategy, lender consults)
Access to major business credit cards and bank funding
Business positioned for vehicle financing, lines of credit, and loans
Ongoing monitoring and dispute handling to keep reports accurate
Best For:
Entrepreneurs who are serious about scaling, need access to larger credit limits or loans, and want their business positioned to operate with true financial leverage.
Frequently Asked Questions (Tier 3 – Full Package Business Builder)
Q: How is Tier 3 different from Tier 2?
A: Tier 2 gives your business multiple Net-30 tradelines and monitoring. Tier 3 takes it further by adding 4–6 reporting tradelines, sequencing for major business credit cards, and preparing full funding packages for banks and lenders. This is the stage where your business becomes funding-ready.
Q: How long does Tier 3 take?
A: The setup portion (applications, Net-30 orders, bank account guidance) is completed in the first 4–6 weeks. However, business credit relies on reporting cycles, so you should expect 3–6 months for all tradelines to report, age, and show positive payment history. This timeline ensures lenders see your business as credible.
Q: What kind of funding can I qualify for after Tier 3?
A: Once your tradelines are seasoned, you can begin qualifying for:
Major business credit cards (Amex, Chase, Citi, CapOne, Wells Fargo)
Vehicle financing under your business
Lines of credit and loans from banks/credit unions
Q: Do I need good personal credit to benefit from Tier 3?
A: Strong personal credit can open even more funding opportunities, but Tier 3 is designed to build your business credit profile so you can access no-PG (no personal guarantee) funding options as your business credit matures.
Q: What additional costs should I expect?
A: Beyond the service fee, you’ll need around $600–$1,200 for Net-30 orders, subscriptions (NAV Prime, phone, domain, etc.), and any additional vendor credit accounts. These are necessary for tradelines to report and strengthen your file.