Building Business Credit建筑企业信用

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Most businesses want to be able to borrow money when they need it, without the owners having to guarantee the loans personally.大多数企业希望能够借钱当他们需要它，但业主在保证个人的贷款。 This means less risk to the owners.这意味着风险较低的业主。 But wanting to get credit for your business and actually getting it can be two different things.但是，要得到信贷的业务和实际得到它可以两个不同的东西。

One company recently approached us because over the past two years they had created a successful business, with over twenty employees.一个公司最近走近我们，因为在过去两年中，他们创造了一个成功的企业，拥有21名员工。 But they couldn't get a business loan because they hadn't taken the time to build a business credit profile and didn't know where to start.但是，他们无法获得商业贷款，因为他们没有考虑的时间建立企业信用档案，不知道从何着手。

You may have seen marketing hype about how a business credit profile can overcome a bad personal credit file.您可能已经看到市场宣传有关如何企业信用状况能够克服一个坏的个人信用档案。 In most cases, however, it's important that small businesses have both good business credit, as well as solid personal credit on the part of the owners.在大多数情况下，但是，重要的是，小企业有良好的商业信用，以及固体个人信用的一部分的业主。 This is especially true in the current environment where investors and venture capitalists aren't handing money out to just anyone who can breathe and has a business idea!尤其是在当前的环境下，投资者和风险资本家不把钱给任何人谁可以呼吸，有一个经营理念！ Even established businesses will find it necessary in some cases to provide the business owner's personal guarantees on some loans or credit cards.即使创办的企业将会发现有必要在某些情况下，向企业所有者的个人担保的一些贷款或信用卡。

Building business credit is completely different from building personal credit, though your personal credit may be linked in some ways.建筑企业信用是完全不同的个人信用建设，但您的个人信用可能与在某些方面。 For example, credit reporting giant Experian sells a business credit score that is based on both the risk of the business and the personal credit of the owner of the company.举例来说，信用报告公司Experian的销售企业信用评分的依据是双方的风险，为企业和个人信用的拥有人的公司。

In addition, you don't have the same credit protection laws with business credit that you do with personal credit.此外，您还没有相同的信贷保护法与商业信贷，你的个人信用。 So you want to make sure you start out on the right foot, or it can be difficult to make corrections.所以，你要确保你开始了右脚，也可以成为难以作出更正。

The key to properly establishing business credit is twofold:的关键，妥善建立企业信用是双重的：

1. 1 。 Set up the proper business structure and take basic steps to ensure your business appears "real" and stable to the business credit bureaus.设立适当的业务结构和采取的基本步骤，以确保您的业务出现“真正”的和稳定的商业信用局。 That means getting the proper occupational licenses, and a phone number that is listed with directory assistance in the businesses' name, among other things.这意味着，获得适当的职业许可证，电话号码是列出目录协助企业的名称，除其他外。 Your business will generally need some form of corporate structure to effectively build a business credit rating.您的企业一般需要某种形式的企业结构，有效地建立企业信用评级。

2. 2 。 Borrow or buy products and services from companies that will report your credit history to the major business credit reporting agencies such as Dunn & Bradstreet and Experian.借阅或购买产品和服务的公司，将您的信用记录的主要商业信用报告机构，如邓恩和布拉德斯特里特和Experian的。

Unlike personal credit ratings, where you can have a small income yet get a top FICO credit score, the best business credit scores are reserved for large stable businesses, those with several million dollars in sales a year and 25-50 or more employees.与个人信用评级，您可以在这里有一个小的收入还没有得到最菲佐信用评分，最好的商业信用分数是留给大型稳定的企业，那些数百万美元的销售额每年25-50或更多的雇员。

But don't let that stop you!但是，不要让这种阻止你！ By taking a few careful steps, you can start small and still build a decent business credit rating to get you the borrowing power your venture needs.通过采取一些谨慎的步骤，您就可以开始小，仍然建立一个象样的企业信用评级，以让你的借款权力您的企业需求。

A few warnings:有几个警告：

1. 1 。 Don't try to "buy" good credit!不要尝试至“买进”良好的信誉！ Some companies will offer to "sell" trade references for a large sum of money.有些公司将提供给“卖”贸易参考一大笔钱。 This is a rip off and if the credit reporting agencies find out, they will purge those references.这是一个撕裂了，如果信用报告机构找出答案，他们将清除这些提法。

2. 2 。 Don't spend large sums of money on a shelf corporation from a company that "guarantees" you will be able to use it to get loans.不要花费大笔金钱在架子上的公司从该公司的“保证” ，你将能够使用它来获得贷款。 More often than not, the company won't have the kind of credit rating you'll need to be successful.更多的往往不是，该公司不会有什么样的信用评级，您需要是成功的。

3. 3 。 Don't try to get business credit as a substitute for bad personal credit.不要试图获得企业信用代替坏的个人信用。 If you have damaged personal credit, work on rebuilding it while you're building business credit.如果你有个人信用受损，重建工作，同时您建立商业信用。

Entrepreneurs are usually hard-working, creative and willing to get the job done.企业家通常是辛勤工作，创造性，并愿意完成这项工作。 Fortunately, those are the same qualities that will help you through the process of building strong business credit.幸运的是，这些都是同样的素质，这将有助于你的过程中建立强有力的商业信贷。 Get started now!现在就开始使用！ For more information about building business credit, visit www.BusinessCreditSuccess.com如需建立商业信用，请访问www.BusinessCreditSuccess.com

Gerri Detweiler is considered one of the country's top credit experts. Gerri Detweiler被认为是该国最大的信贷专家。 She has been interviewed for thousands of radio, television and print newstories including USA Today, The Wall Street Journal, The New York Times, Dateline NBC and many others.她已采访了数以千计的电台，电视和印刷newstories包括今日美国报，华尔街日报，纽约时报，日界线NBC和其他许多人。 She has testified before Congress several times and worked on reform of the national credit reporting laws.她曾在美国国会作证几次改革工作的国家信用报告的法律。

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