Everything You Need to Know About the Stripe Corporate Card

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Key Takeaways

  • The Stripe Corporate Card has no fees—no interest, late fees, annual fees, or foreign transaction fees.
  • It is available to existing Stripe users by invitation. Non-users must join Stripe to request an invitation.
  • Businesses can upload their logo to create branded cards, which are issued instantly as virtual cards while physical cards arrive in a few days.
  • Cardholders earn 2% cashback in their top two spending categories, which is automatically credited to their monthly bill.
  • Spending $5,000 on the card unlocks $50,000 in free transactions on the Stripe platform.
  • To qualify, businesses must process payments through Stripe, making it suitable for high-volume users.

Are you looking for a corporate card that’s completely free to use and helps you save on business transaction fees with your merchant? If so, you might like what you can get with the Stripe corporate card. Here, I break down everything you need to know about the offer to decide if it’s right for you.

This is what’s in store:

This Stripe Corporate Credit Card review should tell you basically everything you need to know before you accept an offer or request an invite. Keep reading if that’s what you are interested in. 

What is the Stripe Card? 

The Stripe Corporate card is a credit card that stands out from the crowd (in a loud way). Invitation-only borrowers can upload their logo to create a branded credit card in a matter of minutes. But, that’s not even the best part. 

The most attractive aspect of the card is that it’s free. Users pay 0% interest and there are no fees of any kind: late fees, annual fees, or foreign transaction fees.  

Stripe Corporate Card

Plus, with $5,000 in spending on a Stripe corporate card, cardholders can access $50,000 in free transactions on the platform. In addition, You can earn 2% back on spending in your top two categories, which are automatically calculated by the system. And, cashback is automatically credited to your monthly bill. 

So, not only can you eliminate the fees typically associated with credit cards, but you can actually earn money to put toward repayment. Cards are available as both virtual and physical cards. Upon acceptance, virtual cards are available instantly and physical cards will arrive within a few days. 

But, wait, there’s more—Stripe Issuing can enable you to originate your own credit cards to offer your customers. 

Issue your own company spending cards with Stripe

 Recommended: 7 Best Cash Back Corporate Cards to Explore

How Does Stripe Offer Such Low Rates on a Credit Card? 

This sounds too good to be true, right? Well, think about it this way — Stripe still makes the bulk of its money from fees for processing transactions. Users whose transactions meet certain criteria are able to make up for the typical fees that would be associated with a credit card through their transaction costs on the platform. 

So, the company earns money from all users, even if it’s not through high interest and fees. It actually makes perfect sense. Are you sold yet? 

So, What’s the Catch?

The only catch to the Stripe Corporate Card system is that you must be an existing Stripe Payments user to qualify. But, if you aren’t an existing user and you do it now, you can request an invitation. While it may take some time to receive an offer, it’s too good to pass up.  

You might also like: What’s the Best Payment Processor for a Small Business? Really

See Stripe Next to Other Corporate Cards

While this is an innovative, highly-beneficial idea, Stripe isn’t the first company to offer such an enticing credit card. Brex is a top competitor and they’ve been around longer. So, quickly, how do the Stripe Corporate Card, Brex, Ramp, and Divvy stack up to one another? 

Let’s see what these corporate cards provide, side-by-side. 

Stripe Corporate Card vs Brex vs Ramp vs Divvy

If you’re not an existing Stripe user and you generate at least $100,000 in daily sales, Brex could be a better fit. Plus, they report to D&B to help you boost your business credit profile. Still, the Stripe Corporate Card comes with more rewards. 

Stripe Company Overview

Stripe Inc.

Most business owners have heard of Stripe as a payment processor. And, many eCommerce stores use their transaction service for online sales. But, despite what you might think, that’s not all they do. Here’s more about the financial services offered by Stripe. 

What, Exactly, Does Stripe Do? 

Stripe started out as a payment platform for businesses. The company also helps companies and individuals manage revenue, prevent fraud, and expand their geographic reach with various applications. The core software that helps users process transactions is cloud-based, so it can easily be integrated with nearly any website or app. 

The convenience of the software is meant to simplify the process of collecting payments from anywhere on or offline. Stripe offers payment terminals for in-person transactions and can be used for sales of all types of products and services online. 

Here are some of their products: 

  • Payments – Online payments platform
  • Terminal – Programmable, offline transactions
  • Radar – Machine-learning-based fraud prevention
  • Billing – Invoicing and subscription management
  • Connect – Multi-party payments
  • Payouts & Issuing – Currency exchange and card management
  • Atlas – Business entity creation for startups 
  • Sigma – Advanced financial analytics and reporting 

They are primarily known for payment processing, but the above-list showcases that they are expanding into more realms of business financial services. 

How Does Stripe Earn Money? 

The quick answer to how Stripe earns money is that their core payment system costs $0.30 per transaction plus 2.9% for each credit card transaction made through the platform. So, on a $50 sale from one of their users, they earn $1.75. And, this isn’t the only revenue they pull in. 

In addition to payments, Stripe earns revenue from several of its products. The company charges a set price for terminals in a range from around $50-300, $500 for the Atlas service and an additional $0.02 per transaction for Radar.  

Fun Fact: Why is Stripe Called “Stripe?” 

Stripe was established as a solution for developers who wanted an easier way to add payment gateways to websites. In the operating system UNIX, the “strip” program removes non-essential data from programs and objects to deliver better performance and less disk space usage. And, the names they had come up with, according to Forbes’ account of CTO, Greg Brockman’s answer to the question, the company couldn’t let go of their UNIX references. 

Where did Stripe get its name?

(To think… All this time, I assumed Stripe got its name from the magnetic stripes on the backside of credit cards.)

What Led to the Corporate Credit service? 

While many modern credit cards require a lengthy application process and charge high fees, Stripe was in a position to do something that could help their existing users grow their companies and attract new business. Their advantage was that they could develop an algorithm based on the transactions, not the credit of the user. So, they moved forward with their plans. 

Since the card first launched, several other companies have steppe

Answers to Stripe Corporate Card FAQs

While we’ve almost covered everything, there are a handful of common questions we can still answer. 

Does Stripe have a business card?

Yes, Stripe offers the Stripe Corporate Card, a Visa spending card designed to help businesses manage their spending. It provides features like real-time expense tracking and customizable spending controls.

What is the difference between a business card and a corporate card?

Business credit cards are typically revolving debt, which means the cardholder can pay the minimum balance each month. They may offer rewards, but usually charge interest on all spending. Corporate cards are paid in full each month with the primary goal being expense tracking.

Does Stripe use Visa?

Yeah, the Stripe Corporate Credit card is powered by Visa. Stripe Payments can also be used to process Visa transactions. 

Is Stripe owned by PayPal?

No, Stripe is not owned by PayPal. Stripe is owned by brothers John and Patrick Collison. Diane Green also sits on the board.

Conclusion

If you’re an existing Stripe user with a volume of transactions coming through the platform, the corporate card may provide you with a way to access funds fast and pay for nearly anything you need to power your business with no personal or business credit. 

The most attractive aspect of the card is that it’s free. Users pay 0% interest and there are no fees of any kind: late fees, annual fees, or foreign transaction fees—I say, if you get an invite and you are able to pay your balance in full, you’ll only gain from the Stripe Corporate Card.   

Are you ready to learn how to obtain up to $100K in as few as 30 days? Join Business Credit Workshop today!


This is How to Buy a Franchise With No Money (Sort of)

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how to buy a franchise with no money

Key Takeaways

  • Franchises let you run a business using an established brand.
  • Most franchises need money upfront for fees, royalties, and other costs like location setup.
  • Online loans can help fund your franchise, though they may have higher interest rates.
  • Grants can provide free funding, but you must meet specific eligibility requirements.
  • Building business credit can help you finance a franchise without using your own money.
  • Some franchises, especially service-based ones, have lower startup costs.
  • Local franchises can be more affordable than big-name chains.
  • White label businesses may let you sell branded products with no upfront investment.

When you don’t have the cash upfront to invest in a business, but you really want to buy a franchise, what are your options? Unfortunately, there’s no such thing as free franchise opportunities in fast food or other brick and mortar chains. Still, you do have some options. 

Here, learn your options to buy a franchise with no money down, where to find low-cost franchises, and explore online opportunities that are comparable to franchising. 

This is what’s in store: 

Now, let’s dive in! 

What is a Franchise? 

A franchise is a way to run your own business using someone else’s successful brand and system. 

The franchisor (the company) lets you, the franchisee, use their: 

  • Brand name
  • Products
  • Business plan

In return, you pay an upfront fee and a portion of your earnings.

For example, if you open a Chick-fil-A, you don’t have to come up with recipes or figure out marketing from scratch. Chick-fil-A provides you with everything you need—like training, branding, and a solid business plan. You run your location while they make sure the brand stays consistent across all their restaurants. 

Franchising can be a great way to start a business with the backing of a trusted name.

Do You Need Money to Buy a Franchise? 

In short, yes, you almost always need some money to buy a franchise. 

There are a few main costs you’ll need to cover: 

  1. The initial franchise fee
  2. Royalties
  3. Marketing costs
  4. Building or renovating

 And, it’s important to know about each before you get started.

The franchise fee is the upfront cost to buy into the franchise. It can be a few thousand dollars or much higher, depending on the brand.

After that, most franchises charge a regular fee, usually a small percentage of your sales, as royalties. This helps cover things like training and support from the franchisor.

In most cases, you’ll need to chip in for advertising. This is usually 1% to 5% of your sales, and it goes toward marketing the brand as a whole.

Finally, If the franchise needs a physical location, you might need to rent a space, build it, or remodel it to match the brand’s look. This can be one of the biggest expenses.

Recommended: How to Raise Money for Real Estate Investment: A Beginner’s Guide 

Ways to Buy a Franchise With None of Your Own Money Down

Most people bootstrap franchise startups with their own savings, loans, or partnerships to cover these costs. But, as a business, you may have some options. Here’s how to buy into a franchise with no money down. 

1. Look Into Online Business Loans 

how to buy a franchise with no money down

Online lenders offer a quick and convenient way to access funding for your franchise. These platforms often have flexible requirements, making them a good option if you don’t qualify for traditional bank loans. The application process is usually straightforward, and you can receive funds within days.

Online business loans typically come with higher interest rates, so make sure you have a plan to pay them back. Compare multiple lenders to find one that offers favorable terms.

You might also like: No-Doc Business Loans: Get Funds Without Proof of Income 

2. Apply for Business Grants 

Grants to start a franchise business

Business grants provide free money to help fund your franchise, but they often have strict eligibility requirements. Some are designed for specific groups, such as women, veterans, or minority business owners, while others support businesses in certain industries or locations.

Research grants offered by government programs, nonprofits, or private organizations. Although the application process can take time, securing a grant can significantly reduce your financial burden.

You might also like: A Full Skip Review: Business Grants, Funding, and More 

3. Buy Into a Franchise With Business Credit 

Can I get a loan to buy a franchise

Using business credit can help you finance a franchise without upfront cash. By building a strong business credit profile, you can qualify for credit lines, business loans, or vendor financing to cover franchise costs.

Start by establishing business credit if you don’t already have it. Pay attention to factors like your payment history and credit utilization. With good credit, you can leverage funding opportunities to buy into a franchise and grow your business.

Recommended: This is How to Leverage Business Credit to Transform Your Life

Where to Find Low-Cost Franchise Opportunities

cheap franchises under $5,000

If you’re looking for cheap franchises under $1,000, your options are slim. But, you don’t have to invest in a Chick-fil-A branch (which has a $10K initial franchise fee, and would probably cost somewhere in the $250K+ realm to launch) to become a franchise owner. From installing star-gazing ceilings to helping people plan dream vacations, there are other existing businesses you can buy into for less.   

Here are a handful of places to start your search:

  • Franchise marketplaces 
  • Service-based franchises 
  • Local opportunities 
  • The Small Business Administration (SBA)
  • Expos and trade shows. 

Sites like Franchise Direct, Franchise Gator, and Entrepreneur’s Franchise 500 list franchises by industry and cost. These platforms often have a “low-cost” filter to narrow down options under a certain budget.

Franchise cost list

Businesses like cleaning services, mobile repairs, or tutoring often have low startup costs. Examples include Jan-Pro or Cruise Planners.

Check for regional or smaller franchise opportunities near you. Many local businesses offer franchise options that might be more affordable than national chains.

The SBA’s franchise directory offers tools to research franchises, including ones eligible for SBA loans. This can help you identify cost-effective options with financing support.

Events like expos and tradeshows in your industry are a great place to meet franchisors directly. They often showcase a range of franchises, including budget-friendly ones.

Consider an Online White Label Businesses 

How to buy a franchise with no money online

Online white label businesses involve selling products or services that are created by another company but branded under your own name. This allows you to skip the production process and focus on selling and marketing the product. 

You can find white label online stores, software products, and service businesses. The white label business model is not the same, but has many shared benefits with franchising. 

how to buy a franchise with no money and bad credit

Plus, white label businesses tend to have low startup costs, and some even allow you to begin without any upfront investment. 

To run a white label business, you’ll typically need to set up an online store or platform where you can sell the products. 

Your main responsibilities will usually include: 

  • Marketing
  • Customer service
  • Sales management 

Meanwhile, the supplier will handle most of the production and fulfillment. It may be a lower-risk business model, but your success will largely depend on how well you market and brand the products.

You might also like: Is Credit Suite Legit? — A Business Credit Expert Review 

Frequently Asked Questions 

Do franchises pay a monthly fee?

Yes, most franchise owners pay royalties, which are typically 4% to 10% of sales. Some brands also require contributions to a marketing fund.

What’s the cheapest company to franchise?

Service-based franchises, like cleaning services or vending machines, often have low startup costs, sometimes under $10K.

How do I open a franchise with no money near me?

You can explore financing options like business loans or investors. Some franchisors also offer financing or low upfront costs.

What franchise is the easiest to own?

Franchises with simple operations and strong support, like fast food or cleaning services, are often easiest for first-time owners.

How much do Chick-fil-A owners make?

Chick-fil-A owners can make $200K to $300K annually, depending on location and sales.

Final Takeaway

If you want to buy a franchise business with no money, it’s possible through alternative financing. However, there isn’t a get rich quick scheme to follow. Consider financing, grants, and business credit. If you’d rather explore an opportunity with less initial investment upfront, consider a white label business instead. 

Are you ready to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

Net 30 for New Business: 13 Vendors +Credit Building Insights

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Net 30 new business

Key Takeaways: 

  • Use net 30 accounts to establish credit and manage cash flow effectively.
  • Timely payments to vendors reporting to credit bureaus can help build out your credit profile.
  • Vendors like Amazon, Home Depot, ULINE, and Grainger offer net 30 terms.
  • Eligibility often requires a valid EIN, DUNS number, and business registration.
  • Consistent payment history can lead to access to larger credit lines.

The best time to start your business credit building journey is at the beginning—when your business is brand new. And, the easiest and fastest way to establish business credit is with net 30 accounts.

So, let’s dive deep into the world of net 30 accounts for new businesses. We’ll list some of the best net 30 vendors, how to apply for these accounts, and how you can use them to boost your business’s credit score. 

This is what’s in store: 

What is a Net 30 Account for New Businesses?

A net 30 account is trade credit that allows your business to purchase goods or services and pay for them within 30 days. 

This payment arrangement can help you: 

  • improve cash flow
  • Make purchases without upfront payments
  • Build business credit (if the vendor reports your payments)

Net 30 accounts for new businesses are with vendors that don’t require a lot of time in business to approve your company for net 30 terms. 

You might also like: 41 Companies That Help Build Business Credit [Beyond Net 30 Vendors] 

How Net 30 Accounts Help New Businesses Build Credit

When you first start a business, it can be difficult to get access to credit. Traditional loans often require a solid credit history, which new businesses typically don’t have. Net 30 accounts offer a way to start building credit by allowing businesses to make purchases on credit and pay later.

Net 30 accounts help new businesses establish a business credit profile, manage cash flow, and earn access to larger credit lines. 

Establish a Business Credit Profile

A net 30 account may report to major credit bureaus, such as Dun & Bradstreet (D&B), Experian, and Equifax. When you make purchases on credit and pay them off within the 30-day period, this activity can be reported to these bureaus if the vendor offers reporting. 

Over time, consistent payments can help improve your business credit score, which is crucial if you want to obtain higher credit limits in the future.

Recommended: This is How to Build Business Credit Fast [Step-by-Step Guide] 

Manage Cash Flow

As a new business, maintaining cash flow is super important. A net 30 account gives you 30 days to pay off a purchase, which means you have some time to generate revenue from the products or services you buy on net terms—This can be especially helpful to avoid cash flow crunches.

You might also like: InDinero Unveiled: A Detailed Accounting & Tax Platform Review 

Earn Access Access to Larger Credit Lines

Many vendors offer net 30 accounts with the potential to increase credit limits based on your payment history. So, as you demonstrate your ability to manage credit responsibly, you can access larger credit lines, which can be useful as your business grows.

You might also like: No-Doc Business Loans: Get Funds Without Proof of Income 

The Best Net 30 Vendors for New Businesses

Now that we’ve covered the benefits, let’s dive into the best net 30 vendors for new businesses. These companies offer terms that help you manage your finances, while also reporting to major credit bureaus like D&B.

1. Home Depot Commercial Account Card

Does Home Depot offer a net 30 account?

Home Depot offers net 30 accounts that are especially useful for businesses in construction, maintenance, or those needing tools and home improvement supplies.

  • Eligibility: Requires a valid Tax ID number & DUNS 
  • Credit Reporting: D&B, Experian, & Equifax
  • Approval Time: Instant approval for qualifying businesses 

Home Depot’s extensive range of products makes it a convenient choice for businesses that need supplies and tools on a regular basis.

Learn more: How to Use a Home Depot Business Account to Boost Your Credit 

2. Amazon Net 30 (“Pay by Invoice”)

Is Amazon a net 30?

Amazon is one of the most widely used vendors for new businesses, offering everything from office supplies to electronics. Amazon’s net 30 accounts are offered through an Amazon Business Credit Account.

  • Eligibility: Must have a valid EIN and business address
  • Credit Reporting: None 
  • Approval Time: Instant approval for eligible businesses

While your payments won’t be reported to business credit bureaus, Amazon offers an extensive catalog of products and services, a business credit card, and a corporate account. The convenience to purchase everything from supplies to electronics make Amazon a popular choice for business owners.

Learn more: How to Get Approved for Amazon Net 30 Terms (“Pay by Invoice”) 

3. ULINE Net 30

Does Costco have a net 30 account?

ULINE is a top supplier of industrial products, packaging, and shipping materials. Their net 30 account is a great option for businesses involved in shipping, warehousing, and inventory management.

  • Eligibility: Must have a DUNS number
  • Credit Reporting: D&B and Experian 
  • Approval Time: 1-2 business days

ULINE offers a wide range of products that most businesses need, making it easy to get everything you need under one roof.

You might also like: Using 30 Day Net Vendors to Build Your Business Credit Score 

4. Grainger Net 30

List of net 30 companies

Grainger offers a variety of industrial and safety products, ideal for businesses in manufacturing, construction, and maintenance industries.

  • Eligibility: Requires an EIN or Tax ID and DUNS number
  • Credit Reporting: D&B
  • Approval Time: A few business days

Grainger is known for a wide selection of products that support operations in a range of industries, making it easy to manage purchases under one account.

Learn more: This is How to Get Grainger Net 30 Terms (+Build Business Credit) 

5. NAMYNOT Net 30

Namynot NET 30

In a nutshell, NAMYNOT offers top tier marketing services with net 30 payment terms.

  • Eligibility: Requires a business with a DUNS number and EIN
  • Credit Reporting: D&B
  • Approval Time: 2-3 business days

NAMYNOT’s extensive selection of services can help you grow your brand reach, all while managing cash flow with net 30 terms.

Learn more: NAMYNOT Net 30: Marketing Services That Build Business Credit 

6. The CEO Creative Net 30

Does Office Depot report to Dun and Bradstreet?

The CEO Creative specializes in creative products, marketing services, and office supplies.

  • Eligibility: Must have a valid Tax ID and business address
  • Credit Reporting: Equifax
  • Approval Time: Up to 5 business days

Offers creative solutions for marketing and branding, perfect for startups looking to grow their presence in a competitive market.

Learn more: The CEO Creative Net 30 Review: Is it Worth Your Time? 

7. Growegy Net 30

Net 30 accounts instant approval

Growegy provides a range of products for business growth, including supplies for digital marketing, branding, and office needs. 

  • Eligibility: Requires a valid EIN and DUNS number
  • Credit Reporting: Experian, Equifax, and D&B 
  • Approval Time: Instant approval for most eligible businesses

A great option for businesses focused on digital marketing and branding because it can help you with essential tools with flexible payment terms—However, it does cost $55 per month in addition to your service costs. 

Learn more: The Growegy Net 30 Account: Is it a Legit Offer? 

8. HD Supply Net 30

Net 30 new business credit

HD Supply offers products for industries like construction, maintenance, and facilities management, with net 30 terms.

  • Eligibility: Requires a business with an EIN and Tax ID
  • Credit Reporting: D&B
  • Approval Time: 1-2 business days

Provides reliable products and services for businesses in various sectors, making it a solid choice for construction and facilities management businesses.

Learn more: HD Supply Review: A Closer Look at This Vendor’s Net 30 Program 

9. Office Garner Net 30

Net 30 new business login

Office Garner provides office supplies, including technology and furniture, with net 30 options.

  • Eligibility: Requires a valid EIN and DUNS number
  • Credit Reporting: D&B
  • Approval Time: 2-3 days

Office Garner offers a comprehensive selection of office necessities to help new businesses set up and maintain smooth operations.

Learn more: Office Garner Review – NET 30 Vendor 

10. Fidextech Net 30

Net 30 companies that report to DNB

Fidextech offers digital marketing and website UI/UX services on flexible net 30 terms.

  • Eligibility: Requires a DUNS number and business Tax ID
  • Credit Reporting: Equifax, CreditSafe USA, SBFE
  • Approval Time: 3-5 business days

The company specializes in web design and IT, helping businesses equip themselves with essentials to boost their online presence.

Learn more: Fidextech Net 30 Review: Can it Help Build Business Credit? 

11. JJ Gold Net 30

JJ Gold net 30 application

JJ Gold is known for its selection of office supplies, electronics, and business products offered with net 30 payment options.

  • Eligibility: Requires EIN and business Tax ID
  • Credit Reporting: D&B and Equifax
  • Approval Time: 3 business days

JJ Gold is a one-stop shop for office and business essentials, with a convenient net 30 option for easy purchasing.

Learn more: JJ Gold Net 30: Build Business Credit Buying Jewelry +More 

12. Crown Office Supplies Net 30

Crown office supplies net 30 terms

Crown Office Supplies offers a variety of office products on net 30 payment terms, ideal for businesses in need of bulk supplies.

  • Eligibility: Open to businesses with a valid Tax ID and EIN
  • Credit Reporting: D&B, Experian, and Equifax
  • Approval Time: 2-3 business days

Their wide range of office supplies and bulk purchasing options help businesses save money and manage their budget.

Learn more: How Can Crown Office Supplies Help You Build Business Credit? 

13. Shirtsy Net 30

Shirtsy net 30 application

Shirtsy specializes in custom apparel, including t-shirts, hoodies, and other promotional items, with flexible payment options for businesses.

  • Eligibility: Requires a valid EIN and business address
  • Credit Reporting: D&B, Experian, Eqifax, and CreditSafe
  • Approval Time: Up to 3 business days

Shirtsy can be perfect for businesses that need custom apparel for branding or promotional purposes, all with the convenience of net 30 terms.

Learn more: Shirtsy Review: A Business Swag Offer with Net 30 Option 

How to Apply for a Net 30 Account

Applying for a net 30 account is a relatively straightforward process. Here are the steps to follow when applying with a new vendor:

  1. Gather your necessary documentation:
    1. Business address & contact info. 
    2. Secretary of State business registration/Articles of Organization. 
    3. Employer Identification number (from the IRS). 
    4. DUNS number.
    5. Business bank statements (not always required). 
  2. Select your vendor.
  3. Submit your application. 
  4. Wait for approval.

Once approved, you’ll receive access to your net 30 account, and you can start making purchases—If you’re not approved initially, some vendors may give you the opportunity to apply again after a few months in business.

You might also like: How Long Does It Take to Build Business Credit? Fast Guide 

Frequently Asked Questions

Does Costco offer net 30?

While Costco does not offer traditional net 30 accounts, they do have various business membership accounts that give you access to bulk purchasing and extended payment terms.

How many net 30 accounts should I have?

Start with 3-5 accounts to build credit without overloading your cash flow. You can add more as you successfully manage payments and grow your credit profile.

What does “net new accounts” mean?

“New net accounts” refers to recently opened accounts, like vendor credit accounts, within a certain period. These accounts are key for businesses to establish a financial history.

Should I do net 15 or net 30?

Net 30 gives you 30 days to pay, while net 15 requires quicker payment. Net 30 is often better for businesses that need more flexibility to generate revenue before paying.

Do you need a DUNS number for net 30 accounts?

Not all vendors require it, but having a DUNS number helps make sure your payments are reported to D&B to build credit. It’s a valuable tool to track and grow your business credit profile.

Final Takeaway

Building business credit is a key to long-term success, and net 30 accounts are a great way to get started. Partnering with vendors like Home Depot and ULINE can help you build credit, manage cash flow, and lay a strong foundation for growth. 

Do your due diligence to learn how these accounts work, choose reliable vendors, and make payments on time to set your business up for success. 

Are you ready to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

eCredable Business: Deep Dive Into the Credit Builder Platform

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eCredable Business Review

Key Takeaways

  • eCredable Business reports on-time payments to credit bureaus.
  • The platform supports over 3,500 utility and service providers.
  • eCredable Business Lift claims to report to Dun & Bradstreet, Experian, Equifax, and CreditSafe, but reports may focus on Equifax.
  • Up to 24 months of payments like rent, utilities, and phone bills can be reported to build credit.
  • eCredable Business pricing ranges from $19.95 to $39.95 monthly.
  • While reliable for some, limited transparency and mixed reviews leave room for improvement.

It’s well known that you can leverage online services to report your on-time bill payments to credit bureaus. eCredable Business is one of the few options that offers this kind of credit builder service for businesses. I’ve done my homework on the platform. And, now, I want to give you the scoop. 

Here’s what I found out: 

What is eCredable?

eCredable login

eCredable is a credit-building platform that can help you get recognized for paying everyday bills like:

  • Rent paymennts
  • Cell phone bills
  • Subscription services
  • Utility payments

Through their service, eCredable Lift, anyone can allegedly report up to 24 months of payment history to TransUnion. This could potentially boost your credit scores quickly, helping you qualify for better credit cards, loans, and even save money by securing lower interest rates.

To use eCredable Lift, you link the account you use to pay your bills. The platform identifies eligible payments, reports them to the credit bureau, and continues to report ongoing payments each month. They work with over 3,500 service providers, making it easy to get credit for payments you already make.

You might also like: Meet the Ava Card: An Uncut Credit Builder Review

How eCredable Business Lift Works 

eCredable Business Lift

The idea behind eCredable Business Lift™ is that the company reports on-time payments for vendors, utility bills, or rent to business credit bureaus.

Ecredable business credit

If you sign up for the business package, upon verification, eCredable claims that they will report to Dun & Bradstreet, Equifax Business, Creditsafe, and Experian, four business credit bureaus. In one self-written review, the company claims this can “immediately boost your credit score across the threshold from poor to fair or from fair to good.”  

My students have consistently reported that eCredable has been reporting to Equifax only, and that they just need to upload a business utility bill to their platform as outlined on the site.

For the system to work, you need to connect to your online utility pay account. This means that you will have to establish the online pay option for each account that you want reported. After an account is linked, you can expect eCredable to download up to 24-months of payment history and report within 1-5 business days. 

You might also like: 41+ Companies That Help Build Business Credit (Beyond Net 30 Vendors)

Company Overview

eCredable Business LLC

According to eCredable’s customer support, the company isn’t owned by another company. I turned to Crunchbase and found out that the company was founded in 2009 by Cutch Moore, Robert Williams, and Terron Lindholme, located in Alpharetta, Georgia. 

Cutch Moore eCredable co-founder and President

For Cutch Moore, the company President and COO, who has a background in business consulting and real estate brokering, eCredable is his central venture.

The same goes for Terron Lindholme, except that his background is in entrepreneurship and sales. These two appear to be dedicated and established at the company. Finally, Robert Williams no longer seems to be with eCredable, but to have moved on as a serial entrepreneur—it happens.  

Despite a low-star rating on the platform, eCredable maintains an A- rating through the Better Business Bureau (BBB), and they are BBB accredited. This indicates that they must work to resolve all of their complaints. And, 17 complaints in three years isn’t all that many for a financial service.

eCredable reviews BBB

On Trustpilot, eCredable only has a 3.2 (out of 5)-star TrustScore. But, they only have one review from a consumer claiming that eCredable is a fake company…the company is not fake.

eCredable TrustScore — consumer believes

So, I take these reviews with a grain of salt. For one, there isn’t a large enough sample to make any solid judgements. Secondly, most of the complaints seem to be written about consumer accounts — not business accounts. However, with 12+ years in business, maybe eCredable should have more solid, positive reviews.

What Utility Accounts Does eCredable Report? 

One of the repeat complaints I used to read about eCredable had to do with a lack of transparency about the accounts that a person or business can report and which. When I searched on my own, I wasn’t able to easily find a good answer either. 

According to one alleged user in 2020, it seemed that the online system wasn’t connected with Verizon, AT&T, Charter Spectrum, nor several other smaller utility companies. But, now, the company claims to link seamlessly with over 3,500 utility companies and service providers in the United States (this number used to be 2,200). 

So, here are the facts for business users. 

eCredable collects and reports account information and payment history to business credit bureaus in two ways:

  1. Automated linking between eCredable and your utility account from inside your dashboard.
  2. “On-demand” or manual verification.  

And, eCredable has limits on which accounts are reported to which business credit bureaus. Let me elaborate for some clarity. 

1. Automated Utility/Vendor Account Linking

Automated account linking provides the most convenient option for businesses to connect utility accounts in the eCredable platform. They can securely download your account details instantly. They report two years of payment history right away, then will continue to automatically report your payments every month.

To find out if your current utility or vendor accounts could be linked in the platform, you used to be able to use eCredable’s utility search tool.

What utilities does eCredable report?

Sadly, this tool no longer exists, which means you’ll have to sign up for an account and enter your payment details before you can see if your utility companies are compatible.

Sign up page for eCredable Business

Still, they do have manual options for account reporting.

2. On-Demand Utility/Vendor Account Verification

“On-demand” account verification is a solution to add accounts that aren’t part of eCredable’s automated linking network. This includes vendors, suppliers, office rent, business insurance, various business services, business credit cards and loans, office furniture/equipment leases, and legal services. Essentially, you provide account details to eCredable who manually verifies your utility or vendor account.

Note that manual verification can take between 1-7 days, depending on the vendor’s responsiveness—according to my students, most take no longer than 48 hours to verify.  

How Much Does eCredable Cost? 

Through eCredable, Business Lift is $19.95 per month and Business Lift+ is $39.95 per month. Consumers will pay $9.95 to $14.95 per month.

How much is eCredable

For consumers, eCredable Lift used to cost $24 per year, which was just a couple bucks per month. Businesses were charged $49.95 for the first-month setup fee and $9.95 recurring thereafter. Both consumers and businesses would pay an additional $19.95 for manual account verification for each account. So, the costs have dropped quite a bit.

Frequently Asked Questions

Who does eCredable Business report to?

eCredable Business reports payment data to D&B, Experian, Equifax, and CreditSafe, depending on the service level you choose. However, they have had some issues with CreditSafe and Business Credit Workshop students reported consistent reporting only to Equifax.

What is the fastest way to get business credit for an LLC?

The quickest way to build business credit for an LLC is to make sure your business is registered with credit bureaus, obtain an EIN, and use services and vendors that report your payment history to business credit bureaus.

Why is eCredable on my credit report?

If you’ve signed up for eCredable Lift, the platform reports eligible payments like rent, utility, or phone bills to participating credit bureaus. These reports may appear on your credit file to help build your credit history.

How long does it take for eCredable to report to credit bureaus?

eCredable typically takes up to two weeks or more to report your payment history to the credit bureaus after you link your accounts and add eligible payments.

Conclusion: Is eCredable Legit? 

eCredable Business Lift™ is a solid idea, comparable to Experian Boost for consumers. The company has been around for over a decade, which speaks to their trustworthiness. And, I love that they report to business credit bureaus because most similar services focus on consumer credit.

Still, I don’t love that their information isn’t posted conspicuously. Back in 2021, I had to reach out more than once to get the answers I was after. And, the website still doesn’t have a ton of information about which vendors they use.

eCredable’s payment reporting is nice and could contribute to your PAYDEX score over time. But, you can pay for actual products that you need anyway with net 30 vendors who report and get something tangible for your cash while working on your score. So, it’s hard to get excited, but it’s cool.

Finally, the business offer has been around for at least a few years, yet they still cannot report eCredable account subscriptions to Equifax, which leads me to question their reliability.

Don’t take this the wrong way — I still have hope. If you have a bit of money to spare, it can’t hurt. Plus, a few more positive user reviews and a bit of transparency could go a long way for eCredable. So, if you have experience with the platform, I would love to hear your story. 

If you want to learn a trusted framework to get up to $100K in business credit in as few as 30 days, join Business Credit Workshop today.

Complete Ally Financial Review: No PG, No Credit Check Vehicle Loans +More

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Ally Financial Review

Key Takeaways

  • Ally Financial is a digital financial services company.
  • It offers banking, investment, and auto financing products.
  • Some customers report poor customer service on online review websites, and the company faces class-action lawsuits over data breaches and loan practices.
  • Ally offers no-personal-guarantee (no-PG) business vehicle loans that focus on business credit, not personal credit.
  • Their business vehicle loans have flexible terms and protect personal assets.

You can find a ton of Ally Financial reviews online. While their affiliates tend to talk them up, some of their customers are less impressed. So, what’s Ally Financial really all about? 

    Here, I’ll answer that and more. Let’s look at what Ally Financial offers, learn about the company, and get to know their no-credit check and no-PG business vehicle loans (which I love).

    This is what’s in store: 

    So, let’s dive in! 

    What is Ally Financial? 

    Ally Financial is a leading digital financial services company that offers a variety of banking and investment products. 

    Its core services include:

    • Ally Bank provides deposit products like savings and checking accounts, CDs, and money market accounts. It also offers mortgages and credit services.
    • Ally Invest allows users to manage investments with self-directed trading, robo portfolios, and personalized advice.
    • Ally Home offers home purchase and refinancing options.
    • Ally Auto provides auto financing, a key part of their offer.

    They emphasize customer care and transparency, with “no hidden fees” (according to themselves) on many of their products.

    You might also like: Low-Risk NAICS Codes +Best SIC Codes for Business Credit in 2024 

    What is Ally Financial Known for?

    Ally is known for being one of the first banks to eliminate overdraft fees and to make banking more accessible and customer-friendly. In the corporate world, they’re known for their no-PG business auto loans. 

    And, there are a few key aspects of their overall offer that people tend to love: 

    • As a fully online bank, Ally offers a wide range of services without physical branches.
    • Ally is a major player in consumer and business auto loans and financing.
    • In addition to banking, Ally offers investment options, home loans, and insurance products.

    As a one-stop-shop for personal finance, these factors tend to set Ally apart.

    You might also like: Business Credit Cards without Personal Guarantee 

    Company Overview

    Ally Financial Inc; GMAC Inc

    A Detroit, Michigan-based company, allegedly launched in 1919, Ally Corporate Finance, aka Ally Financial, aka Ally CF,  is listed on Crunchbase as an “automotive financial services company powered by a top direct banking franchise.” Both Ally Financial and Ally Financial Inc. were registered as entities in the state of Michigan in May, 2010, which seems to be when the trade name was changed from GMAC Inc. 

    However, GMAC Inc. was first registered in July, 2009. So, the 1919 founding date must be based on the fact that they’re a subsidiary of General Motors (founded in 1908).  

    Ally Financila Inc Delaware Company 2009

    Still, the company appears to be in good standing, and its most recent annual report was filed in 2024. 

    Out of 762 Trustpilot reviews, Ally’s Trustscore™ is a low 1.2-stars. A lot of customers warn of poor, outsourced customer service, but some praise the banking. With an online-only bank, customer service shortcomings are almost expected. But, these are pretty poor.

    Ally financial review complaints

    With the Better Business Bureau (BBB), their reviews aren’t so promising either—Ally has a C- BBB rating with 1.06 out of 5 stars, and 1,260 complaints closed in the past 12 months, 

    Ally Bank Reviews BBB

    While the BBB lists them as being in business for 40 years, this doesn’t match up with the 1919 nor the 2009 founding dates that I found. 

    Moreover, the reason their BBB rating is low and they aren’t accredited isn’t because they failed to sign up to become accredited. Instead, they’ve been slacking and can’t be accredited because of failure to respond to four complaints and having left eight complaints unresolved. 

    My loan Ally reviews Consumer reports

    To make sure we’re being completely fair, it’s important to note that most financial service companies have a hard time maintaining positive reviews. And, an unsatisfied customer is way more likely to put in the effort to leave a review than someone who is satisfied. 

    So, I did a quick search to see if they had any open or past lawsuits, hoping to come up empty-handed. Sadly, that’s not the case. 

    Ally Financial is facing multiple class-action lawsuits, including: 

    • Allegations of failing to protect customer data during a breach.
      Accusations of discrimination related to its DEI policies.
    • Private lawsuits over improper collection practices during loan repossession.

    With a quick Google search, you can find more information about some of the legal complaints against the company. With that said, I know several people, with vehicle loans through the platform, who are having no problems whatsoever.  

    In sum, Ally Financial has a mixed reputation. It faces low customer ratings on Trustpilot and the BBB, along with class-action lawsuits over data breaches, discrimination, and loan collection practices. But, some customers still report positive experiences.

    You might also like: No-Doc Business Loans: Get Funds Without Proof of Income 

    Ally Financial No PG Business Vehicle Loans Summary

    My loan Ally reviews complaints

    One of my favorite offers from Ally is their business vehicle loans–They’re one of the select few lenders I know of to offer business vehicle loans that don’t require a personal guarantee (no-PG) and no credit check. 

    Learn more about the option to get vehicle loans in your business name through Ally! 

    1. Approval Based on Business Credit

    Ally’s no-PG business auto loans evaluate your business’s credit history rather than your personal credit. This process focuses on your company’s financial health, allowing you to keep your personal credit separate from your business.

    You might also like: This is How to Leverage Business Credit to Transform Your Life 

    2. Ideal for Fleet Management

    These loans are perfect for businesses needing multiple vehicles. Whether you need cars, trucks, or specialized vehicles, Ally provides flexible solutions tailored to your growing fleet.

    Recommended: Business Car Leasing 101: How to Lease a Vehicle With Your EIN 

    3. Flexible Loan Terms

    Ally offers various loan terms, usually ranging from 36 to 84 months. You can choose short-term or long-term financing to manage payments according to your cash flow and operational demands.

    You might also like: A Full OnDeck Review: All You Need to Know About This Business Funding Offer 

    4. Competitive Interest Rates

    With no personal guarantee required, business owners can protect their personal assets. This makes no-PG business auto loans a smart choice for companies looking to expand while minimizing personal financial risk.

    5. Personal Asset Protection

    With no personal guarantee required, business owners can protect their personal assets. This makes no-PG business auto loans a smart choice for companies looking to expand while minimizing personal financial risk.

    6. Additional Costs to Consider

    Buyers should be aware of potential costs, such as down payments, registration fees, and any modifications needed for the vehicles. Understanding these costs upfront can help you budget effectively.

    7. Application Process

    To start the financing process, you can download the commercial line of credit application from Ally’s website. It’s a straightforward process that allows you to get started quickly.

    8. Work With a Local Dealer

    Ally Bank Google reviews

    Interested buyers should find a local dealer to learn more about eligibility, specific rates, and additional financing options available through Ally. To find dealers in your area that work with Ally Financial, see their dealer locator. 

    Frequently Asked Questions

    What bank owns Ally Financial?

    Ally Financial is an independent financial services company and does not have a parent bank. It was formerly known as GMAC Inc., a subsidiary of General Motors.

    Is Ally Bank FDIC insured?

    Yes, Ally Bank is FDIC insured. This means that deposits are protected up to the legal limit, which is currently $250,000 per depositor, per insured bank.

    Is Ally Bank 100% safe?

    While Ally Bank is FDIC insured, no bank can guarantee 100% safety. However, it is considered a reputable institution with security measures in place to protect customer information and funds.

    What credit score is needed for Ally Financial?

    Ally Financial typically requires a credit score of 620 or higher for its auto loans, but specific requirements may vary based on the type of loan and other factors. It’s best to check directly with Ally for the most accurate information.

    Conclusion: Is Ally Financial Any Good? 

    So, can Ally be trusted? Well, they present some appealing options, especially with their no-PG business vehicle loans—These loans allow business owners to secure financing without risking personal assets. 

    However, the company faces significant criticism regarding customer service and transparency, as shown by their low ratings on Trustpilot and with the BBB.

    While many customers do report positive experiences, the ongoing legal issues and mixed reviews warrant some level of caution. If you’re considering Ally Financial, weigh the benefits against the potential drawbacks. Conduct your own research and explore other financing options to be sure you make the best choice for your needs.

    If you’re interested in applying for Ally’s no PG business vehicle loan, watch my recent video: 

    Ready to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today! 

    NAMYNOT Net 30: Marketing Services That Build Business Credit

    By

    NAMYNOT net 30

    If you want a way to improve your business’s cash flow while better marketing your business, NAMYNOT’s Net 30 account could be what you need—This option lets you defer payments for up to 30 days, providing more financial flexibility. 

    Curious about how their Net 30 terms work and how they might benefit your business? Keep reading to find out everything you need to know.

    This is what’s in store: 

    Now, let’s roll!

    What is NAMYNOT? 

    Namynot net-30

    NAMYNOT, aka “nmi,” offers businesses a range of marketing services to support growth and visibility. According to their own marketing message, they focus on clear communication and create strategies that fit each client’s specific needs. Whether you want to strengthen your online presence or reach new customers, NAMYNOT can help with practical marketing solutions.

    Here’s a quick look at what they offer:

    • Organic lead generation with content marketing.
    • Email marketing campaigns.
    • Custom marketing strategies, both online and offline.
    • Professional website design and maintenance.
    • Ad management.

    With experience across various industries, NAMYNOT works with businesses of all sizes—They provide straightforward, adaptable solutions that can help your business move toward their goals.

    And, they offer business bureau reporting, which means that you may be able to have your payments reported to help you establish or improve business credit. 

    You might also like: 41 Companies That Help Build Business Credit [Beyond Net 30 Vendors] 

    Company Overview

    namynot inc. 159 n sangamon st pmb 2726, chicago, il 60607, états-unis

    NAMYNOT Inc. is a Chicago-based web services company that was allegedly founded in 1999 (according to Crunchbase) or 2000 (according to LinkedIn) by Antonio Wells. The company is active and in good standing in the state of Illinois, but their incorporation date was in 2021.

    Now, I did find namynot.com in the Wayback machine as early as 2002, which indicates that the company was probably in operation before that time. Based on the homepage screenshot saved over 20 years ago, the brand’s design trends were quite different at that time, with a focus on flash animation web design.  

    NAMYNOT web services in 2002

    For fun, I popped in to see what NAMYNOT’s website looked like in 2010, and there had been quite an improvement. 

    NAMYNOT in 2010

    Since the company’s launch, Wells has worn many hats. From 2017 to present, he’s been the Managing Director at Celebrity Myxer. From 2015 through 2017, he served as the Senior Manager of Web and Content at BlueStacks, and he was the Founder & Chief Editor at AndroidTapp for over seven years. It seems he’s an experienced entrepreneur with a focus on marketing. And, NAMYNOT is his longest-standing venture.  

    NAMYNOT CEO Antonio Wells

    While I didn’t see any past or open lawsuits against the company, the Better Business Bureau (BBB) warns that they misused the BBB brand logo in that they are not accredited with the BBB. Still, they maintain 5-star reviews on the platform. 

    Namynot reviews

    While I didn’t spend too much time searching for business aliases, I did not see NAMYNOT or nmi listed Trustpilot or Reddit. With a marketing service, this isn’t super alarming, but made me wonder if Wells had been freelancing through another platform to build clientele. 

    I did find wells on Upwork with 100% job success and great client reviews as far back as 2019. Clients consistently commend Antonio Wells for his SEO expertise, thorough research, and ability to create high-quality content that drives lasting results. 

    Antonio Wells Freelancer

    Upwork clients also value his professionalism, clear communication, and strategic insights, often noting how his work positively impacted their businesses. Many clients say that they plan to rehire him, describing him as reliable, knowledgeable, and easy to work with.

    So, despite some ambiguity around its founding date and lack of BBB accreditation, the brand maintains a strong reputation. With consistent positive feedback and a focus on marketing, NAMYNOT has quietly built trust and credibility over the years. In short, they’re likely legit.

    You might also like: How Can Crown Office Supplies Help You Build Business Credit? 

    What is a Net 30 Account?

    A net 30 account is a type of credit account that gives you 30 days to pay off a purchase after receiving an invoice. It’s pretty common in business-to-business transactions. 

    For example, if a company buys supplies from a vendor with net 30 terms, they don’t have to pay upfront—they’ll get an invoice and have 30 days to settle it. It helps businesses manage cash flow by giving them more time to pay for goods or services while still keeping operations running smoothly.

    And, many contemporary net 30 vendors offer payment reporting to business credit bureaus. 

    Recommended: How to Use 30 Day Net Vendors to Build Your Business Credit Score 

    NAMYNOT Net 30 Features & Benefits

    Again, NAMYNOT has a net 30 offer that’s worth a look. Here, explore the features and benefits of being approved for their net 30 terms. 

    1. Pay Later

    How many net 30 accounts should I have?

    With NAMYNOT’s net 30 business line of credit, you have the flexibility to purchase digital marketing services now and defer payment for up to 30 days—This means you can invest in essential services, like a website redesign or social media advertising, without immediate financial strain. 

    For example, if you need to launch a marketing campaign to promote a new product but are short on cash this month, you can use the net 30 option. You can focus on growing your business while managing your cash flow more effectively.

    2. Build Business Credit

    Who does Namynot report to?

    Timely payments on your Net 30 account contribute positively to your business credit profile. When you pay your invoices on time, your payment history is reported to Dun & Bradstreet (the leading business credit bureau). 

    This can improve your creditworthiness and open doors to better financing options in the future. As a business owner, you might become able to secure a higher credit line or more favorable loan terms, which makes it easier to fund your growth ambitions.

    Recommended: Everything You Need to Know About a DUNS Number – and Why You Should Care 

    3. No Personal Guarantee Required

    No PG net 30 account

    One of the significant advantages of our Net 30 account is that it does not require a personal guarantee or a credit check. This feature protects your personal credit score and separates your business finances from your personal finances. 

    For instance, if your business faces a financial hiccup, your personal assets remain safe. This can give you peace of mind as you focus on running and scaling your business.

    You might also like: Here’s How to [Actually] Get Business Credit With Just an EIN +More

    4. Up to $10K Credit Line

    Namynot customer service

    You can qualify for a credit line of up to $10,000, giving you ample resources to invest in your business. Whether you want to launch a new marketing initiative, hire freelance talent for a project, or upgrade your office equipment, a credit line can give you the flexibility you need. 

    Imagine having the capital to execute a comprehensive digital marketing strategy without immediate cash outflow—this could significantly boost your business visibility and sales.

    You might also like: What is the Best Credit Card for Ad Spend? Expert Insights 

    5. Easy Application Process

    NAMYNOT net 30 application

    Applying for a Net 30 account is straightforward and free of charge. This means you can get access to critical funding without the burden of complicated applications or hidden fees. The streamlined process allows you to focus on what matters most—growing your business. 

    Once your application is approved, you can start using your credit line almost immediately, which enables you to act quickly on new business marketing opportunities.

    You might also like: Free, Printable Business Credit Application Template (+How to Use it) 

    How to Qualify for NAMYNOT Net 30

    To qualify for a NAMYNOT net 30 account, make you meet the following requirements:

    • You own a profitable, U.S.-based business. 
    • Your business is active and was registered at least 90 days ago.  
    • You want to take advantage of NAMYNOT’s services. 
    • You own at least 25% of the business. 
    • Your business has an EIN and a DUNS Number. 
    • No past, negative payment history has been reported about your business. 
    • You have a professional website. 

    If you run a profitable business, have the title of Authorized Officer, and meet all the above requirements, you can confidently apply for a NAMYNOT Net 30 account. 

    Note: If you don’t yet have a professional website, NAMYNOT might be able to help. 

    You might also like: The CEO Creative Net 30 Review: Is it Worth Your Time? 

    Final Thoughts 

    NAMYNOT offers marketing services alongside a net 30 payment option, which can help you manage cash flow while investing in your business. Whether you need digital marketing, a website redesign, or want to build your business credit, their flexible terms can help without the pressure of upfront payments. 

    With an easy application process, no personal guarantee, and credit lines up to $10K, NAMYNOT’s Net 30 option could be a practical choice if you’re looking to expand your marketing efforts. What do you think? 

    Do you wanna learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

    FairFigure Review: Is it Really That Easy to Build Business Credit?

    By

    FairFigure review

    I first discovered FairFigure when writing up my most recent post, a comprehensive Fidextech review. I found it so interesting that I put it at the top of the list to research next. Now, here’s everything I know. 

    Let’s take a look at what FairFigure is, see an overview of company leadership, and explore the features of the card in detail. 

    This is what’s in store: 

    Now, let’s roll! 

    What is FairFigure?

    Fair figure net 30

    FairFigure is a platform designed to help small business owners build, monitor, and improve your business credit. They offer a service that allows you to track both your business and consumer credit scores in real time. It includes features like a Business Credit Correct tool that helps identify and fix incorrect information. 

    FairFigure also offers the FairFigure Business Capital Card, which you can use to get funding without personal credit checks or personal guarantees.

    Key features include:

    • Business and consumer credit monitoring.
    • FairFigure Capital Card that helps build credit while providing same-day funding.
    • Payment reporting to commercial credit bureaus. 
    • Identity Theft Protection and Darknet Scanner to help secure your company.

    With FairFigure, there are no personal credit checks for funding or credit applications, since they rely on business EINs instead. The company positions itself as a tool to help businesses grow by helping them improve credit scores and secure better funding options.

    You might also like: Low-Risk NAICS Codes +Best SIC Codes for Business Credit in 2024 

    Company Overview

    Is Fair Figure legit?

    FairFigure Capital LLC is a Fort Lauderdale-based company that was founded in 2021 by Dana Angelino. Angelino happens to own and co-own several other companies, including numerous net 30 offers that help people build business credit. 

    His other businesses include: 

    So, FairFigure’s founder is as informed as anyone could be about the business credit building market and net 30 offers. Other than a bank executive, I can’t think of a better background for a business credit builder company leader. 

    While FairFigure is not Better Business Bureau-accredited, they have an A- rating on the platform, with minimal complaints and a handful of positive reviews from satisfied users. 

    FairFigure reviews complaints

    I didn’t find any FairFigure reviews on Trustpilot, mentions on Reddit, or staff reviews on Glassdoor. Most of the reviews I did find appeared to be affiliate reviews, so I assume they were somewhat biased. 

    FairFigure credit card reviews

    Without ever having applied for the card myself, I can only say that, if I were a betting man, I would wager that the company is trustworthy based on what I know about its leadership. 

    With that said, I did notice something about the offer that is quite misleading. FairFigure claims to offer cashback on card purchases. 

    FairFigure coupon

    However, while I was searching for the cashback amount, I came across a blog post on the official website that states: “Instead of cash back, [the FairFigure Capital Card] benefits primarily revolve around your credit.”

    FairFigure does not offer cashback

    I’m not a fan of deceptive messaging or brands with a lack of transparency, so this doesn’t sit so well with me. But, even without cashback, the offer is worth taking a look at. 

    You might also like: 41 Companies That Help Build Business Credit [Beyond Net 30 Vendors] 

    FairFigure Capital Card Features

    FairFigure business credit card

    The FairFigure Capital Card is a “no PG” (no personal guarantee) business credit builder card. It lets you apply using your company’s EIN, which allows you to build business credit without personal credit checks or guarantees. 

    The card offers: 

    • Flexible four or eight week repayment terms. 
    • Credit monitoring tools. 
    • Identity theft protection.
    • Reporting to commercial credit bureaus. 

    Moreover, it provides funding based on business revenue and reports payments to key business credit bureaus, which helps boost your credit score. Ultimately, it’s designed to separate personal and business finances, which makes it practical for small businesses that want to build credit and access funding.

    Note, funds must be repaid in full within the payback terms you choose—It’s more like a corporate card, not a credit card. 

    Recommended: Business Credit Cards You Can Get Without a Personal Guarantee 

    1. No Personal Guarantee

    Fairfigure login

    You don’t have to worry about personal credit checks or guarantees when you apply for the FairFigure Card—This keeps your personal and business finances separate, which reduces the risk to your personal credit score and assets. 

    No PG business credit offers are perfect for businesses that want to build credit solely through their EIN.

    You might also like: Here’s How to [Actually] Get Business Credit With Just an EIN +More Options 

    2. Adjustable Spending Limits

    Fairfigure credit limit

    Your spending limit with FairFigure is based on your business revenue. For example, if your business meets the qualifications, you could start with a $1,000 limit. As your revenue grows, so does your spending power. 

    So, if your business brings in $10K in monthly revenue, you might qualify for an $8K limit. The scalability allows you to extent your purchasing power as your business expands and gives you access to more capital when needed.

    3. Net 30 or Net 60 Repayment Terms

    Business credit for new business

    Net 30 or net 60 terms refer to how much time you have to pay back what you’ve borrowed. With FairFigure’s card, you can choose either 30 or 60 days to pay your balance in full. 

    If you choose net 30, you’ll need to pay off your card in full within 30 days of making a purchase. And, if you choose net 60, you have 60 days. 

    4. Personal and Business Credit Monitoring 

    Business credit builder

    For $30 per month, FairFigure offers business credit monitoring that helps you track your financial health. 

    FairFigure monitors business credit scores from: 

    1. Fundex
    2. CreditSafe
    3. Equifax

    And, provides consumer credit monitoring from: 

    1. Equifax
    2. Transunion
    3. Experian

    This service not only keeps you updated on your credit scores but also reports your $30 monthly subscription as a separate vendor tradeline. 

    So, paying for the monitoring service helps build your credit faster by adding an extra positive payment to your business credit report.

    5. Identity Theft Protection

    Business credit cards for fair credit

    With the $30 credit monitoring subscription, FairFigure includes $1 million in identity theft protection to safeguard your business. You’ll also benefit from a Darknet scanner that alerts you if your business’s sensitive information is exposed. 

    With this added security, you can focus on growing your business without the worry of identity theft.

    Recommended: 14 Best Credit Monitoring Services for Scores, Reports, & ID Theft Protection 

    6. Reporting to Business Credit Bureaus

    Who does Fair Figure report to?

    According to FairFigure’s official website, they report data to: 

    1. Equifax Commercial
    2. CreditSafe USA
    3. SBFE
    4. Their own Foundation Report

    So, you can get your credit monitoring and FairFigure card payments reported to these bureaus. 

    However, there is no current indication that FairFigure reports to Experian Business or Dun & Bradstreet. This may change, so it’s a good idea to check their official website for the most up-to-date information.

    You might also like: Everything You Need to Know About a DUNS Number – and Why You Should Care 

    FairFigure Partnership Opportunity

    FairFigure waitlist

    Again, I first learned about FairFigure through Fidextech, a web design and marketing agency that offers FairFigure net 30 terms to their clients, which caught my attention. 

    Through the affiliate program, you can earn up to $120 for each client or customer who signs up and is approved for the FairFigure Capital card. The card allows you to offer net 30 terms to your clients who can then pay you while building positive payment histories. 

    The program supports new businesses by establishing their profiles with credit bureaus and helps most business owners get approved for at least $1,000 in initial funding. 

    You might also like: A Complete Fundwise Capital Review: Should You Use Their Business Funding Services? 

    Conclusion: Is FairFigure Legit? 

    So, can you really build business credit that easily with FairFigure? It’s a bit more complex than a simple yes or no. While FairFigure offers two tradelines—the Capital Card and the monitoring service—these alone may not be enough to significantly boost your business credit. 

    Still, you can use the FairFigure card to pay your other tradelines, which might be super helpful. Keep in mind that paying $30 for credit monitoring is optional and may not be necessary on the business credit building journey; there are other ways to track your credit without this added expense. 

    Ultimately, FairFigure provides some solid tools, but building substantial business credit often requires more than just these offerings. Consider your options carefully before you dive in.

    Want to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

    Fidextech Net 30 Review: Can it Help Build Business Credit? 

    By

    fidextech net 30 review

    Historically, business credit building with net 30 terms has been reserved for vendors that sell business and office supplies or fuel cards. But, in the age of the internet, digital services like Fidextech have started to offer net 30 terms and business credit building opportunities. 

    Unfortunately, not all offers are created equal. It’s important to understand exactly what you’re getting when you sign up for an offer that promises to help you build business credit. Find out whether or not enlisting Fidextech for your digital creative needs will help you meet your goals.

    This is what’s in store: 

    Now, let’s dive in!  

    What is Fidextech?

    Fidextech reviews

    Fidextech is an NYC metro area digital design studio that offers a range of offers that aim to help businesses grow. 

    Their services include: 

    • Digital marketing
    • Creative works & design
    • Web packages
    • Hosting
    • Product photography

    As a bonus, they offer net 30 terms, which means you can pay your balance within 30 days – you don’t necessarily have to pay right away. In some cases, net 30 vendors can help you build business credit, which is a great way to get the capital you need to grow your business. I’ll share more on that later. 

    You might also like: The CEO Creative Net 30 Review: Is it Worth Your Time? 

    Fidextech Company Overview

    Fidextech LLC

    Fidextech LLC is a Madison, New Jersey-based business services agency that was founded in 2017 and registered in September, 2020. Multiple sources cite the company as having ten or fewer employees. 

    The only human name I found to be affiliated with the company is Jeff Cyprien. On LinkedIn, he’s known as “Jeff C.” and lists himself as the Managing Director of the company.

    Fidextech CEO

    Cyprien’s previous experience includes a few years as a Quality Assurance Automation Engineer at Verizon and Newtech and a few years as a Customer Service Social Media Associate at Conduent. I can’t say for sure that Cyprien is Fdextech’s founder, but it appears that is the most likely case. 

    While I couldn’t find a Better Business Bureau profile for the company, and nobody has mentioned them on Reddit, Fidextech is listed on Trustpilot. Of their 10 reviews on the platform, most of them are positive, yet their TrustScore is a middling 3.2. One user reports “very rude” customer service, while the rest of the feedback is pretty positive. 

    Fidextech Trustscore on Trustpilot

    Overall, there’s a lack of transparency, which leaves me without enough information to give you any sort of opinion on the company’s legitimacy. If anything, I might say that their website and offer is deceivingly professional looking without enough trust signals. 

    You might also like: The Growegy Net 30 Account: Is it a Legitimate Offer? 

    Fidextech Features

    Now, for the offer. If you sign up with Fidextech, this is what you can likely expect, based on the website and advertising. 

    1. Digital Marketing

    The lower Domain Rating of Fidextech’s website (3.3 out of 100, according to Ahrefs) suggests that they may not have so-called “expert” SEO marketing skills. Or, to be fair, maybe they don’t implement their skills to the fullest for their own brand… 

    To double-check my initial assumption, I decided to peek in at a couple of their digital marketing clients’ websites at random: 

    1. prophecyhomecare.com 
    2. savorird.com
    Fidextech client website metrics

    The first has low ranking metrics and the latter isn’t reachable, as of mid-September 20204. So, I don’t see any sign that they can deliver on the digital marketing offer.  

    Fidextech also offers digital marketing consultation. I wouldn’t be any more eager to hire them for this than I would marketing implementation. 

    2. Creative Works & Design

    Fidextech website design example

    I won’t be so hard on Fidextech in the creative works and design arena—the few client websites I was able to pull up at were aesthetically appealing. And, if the brand’s own website is a testament to the agency’s skills, I would say they at least know what they’re doing in the way of web design. 

    However, their work examples were out of date when I viewed them. Several of the websites in the Fidextech case studies section were no longer live when I tried to view them.  

    3. Web Packages

    If you sign up for a web package, Fidextech promises to help you with eCommerce (online shopping), CMS web design (WordPress), web development, and web support. 

    This means you can get help designing, redesigning, or migrating your website. You’ll need to request a quote to find out how much a customized package will cost.  

    4. Hosting & Domain Registration

    Fidextech domain registration

    Fidextech also offers shared and cloud hosting, dedicated server space, domain name registration, and hosting support. This can be really helpful if you’re not technologically inclined. 

    They offer the following domains for registration: 

    • .com
    • .tech
    • .club
    • .blog

    The main problem with relying on someone else for these types of services is that they might end up being the one in control of your account. But, this can be a good thing if that’s what you prefer. 

    5. Product Photography

    Finally, Fidextech advertises product photography services. If you need help with food photography, eCommerce or advertising product photography, or still life photography, this could be a great add-on service.   

    Usually, specialized photography is a standalone offer that requires you hire someone separate from your web developer or take your own website photos. So, this service might give Fidextech an edge. Sadly, I couldn’t find examples of their photo quality, so I can’t recommend this service either.

    6. Dedicated Account Dashboard

    Fidextech user dashboard

    It’s interesting that Fidextech offers an account dashboard for a marketing services offer. At first, it seemed more like a project tracking dashboard, but I noticed you can add services once you’re logged in. 

    You can register, renew, and transfer website domains without speaking to anyone at the company from inside your Fidextech dashboard…Proceed with caution because it’s impossible to say how reliable this platform’s hosting is. 

    Fidextech Net 30 Overview

    Fidextech net 30

    Fidextech offers net 30 terms to “approved” customers. In this case, it appears as though you would need to be approved for the FairFigure card, which is a business credit builder offered by a third party. 

    So, you’ll need: 

    • A legally established entity.
    • An EIN.
    • A business bank account that connects to Plaid.
    • Probably at least $2.5K in monthly revenue.  

    I’ve read that most businesses that apply will qualify for an initial limit of $1000 on the FairFigure card. After you’re approved, you’ll be able to pay for your Fidextech digital services with the dedicated card and pay later with net 30 terms. 

    The FairFigure Review is coming soon, so sign up for our emails or come back soon to learn more. 

    What Credit Bureau(s) Does Fidextech Report to? 

    Fidextech net 30 business credit reporting through FairFigure

    Most business net 30 accounts that offer reporting will report directly to a business credit bureau or multiple bureaus like Experian Business, Equifax Commercial, or Dun & Bradstreet.  As of September 2024, Fidextech currently reports account payments to FairFigure, which is a newer credit building platform, NOT a business credit bureau. 

    According to FairFigure’s official website, they report data to Equifax Commercial, CreditSafe USA, SBFE, and their own Foundation Report. So, through Fidextech (if they hold up their end of the bargain), you may be able to get on-time payments reported to these bureaus through the third party service. 

    There is no indication that your payments to Fidextech will be reported to Experian Business nor Dun & Bradstreet—This may change, so check the official website for the most up-to-date information. 

    Recommended: Everything You Need to Know About a DUNS Number – and Why You Should Care 

    How Do You Cancel a Fidextech Account? 

    To cancel your Fidextech account, provide a 30-day notice via phone at (877) 353-5223 or make an appointment via the Fidex.tech contact form. Access to products will be suspended upon termination. 

    According to their terms, you may be able to terminate immediately if Fidextech becomes insolvent or breaches the contract. 

    You can request a refund for clear balances in your advance account, unless you violated the agreement. Refunds will be processed within 14 business days, minus bank fees. 

    Payments during a trial period or already debited amounts are non-refundable. Follow Fidextech’s guidelines for proper cancellation and refunds.

    You might also like: Office Garner Review – NET 30 Vendor 

    Conclusion: Is Fidextech Legit for Business Credit Building? 

    While Fidextech offers an intriguing opportunity for businesses seeking to build credit through net 30 terms, potential users should approach with caution. The range of services—from digital marketing to product photography—presents a comprehensive package, but the company’s transparency and customer service reviews raise concerns. 

    The lack of a solid track record, coupled with limited information on its business credit reporting practices, makes it crucial for you to weigh the pros and cons carefully. 

    Before you commit to anything, make sure you fully understand the terms and your eligibility for the FairFigure card, as well as the implications of relying on a third-party credit builder. 

    Do you want to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

    The Growegy Net 30 Account: Is it a Legitimate Offer? 

    By

    Growegy Net 30

    When you’re looking to build business credit, and you also need an automated project management system, Growegy might make your shortlist—It’s one of the few project management platforms that offers net 30 terms. If this is the case, there are some things you need to know for sure whether it’s legit and worthwhile. 

    Here, learn what Growegy offers, how much it costs, and whether it’s the right platform for your needs. Then, find out what you can expect from Growegy Net 30, in terms of business credit building. 

    This is what’s in store: 

    So, let’s roll…

    What is Growegy? 

    Growegy reviews

    Growegy is a marketing management platform that helps you organize, plan, and track your marketing campaigns and programs all in one place. When you log in, you’ll start with a calendar view that shows you everything at a glance, whether you want to see your tasks for the month, week, or even the day.

    Apparently, with Growegy, you can: 

    • Create and manage individual projects. 
    • Assign tasks to team members. 
    • Keep an eye on your progress. 

    The platform enables you to group your marketing efforts into campaigns—This way, everything stays connected and aligned with your goals…all while you build business credit with net 30 payment terms. 

    With customizable views and simple tools, Growegy is meant to help you make sure your marketing strategy runs smoothly across all channels. Whether you’re running a small social media campaign or a larger multi-channel effort, Growegy might be able to help you stay on top of it all.

    You might also like: The CEO Creative Net 30 Review: Is it Worth Your Time? 

    Growegy Pricing 

    Growegy login

    Growegy has two available pricing plans: 

    1. Monthly Plan (basic) for $55 per month, which saves you $60 per year. 
    2. Annual Plan (advanced) for $600 paid in $200 installments over three months. 

    Both plans include project management for up to eight users, monthly business development consultations, business credit reporting, and Growegy AI (powered by ChatGPT). 

    Basic users will be able to use GPT-3.5 and advanced accounts get the upgraded GPT-4. GPT-4 is a more advanced, accurate, and capable version of GPT-3.5, designed to better understand and generate human-like text. 

    Advanced users also get a higher credit amount reported for the full 12 months and enhanced support. 

    Company Overview

    Growegy strategy

    While Crunchbase lists Growegy Inc. as a San Francisco-based business, the company isn’t searchable in California’s Secretary of State database. On LinkedIn and a couple of other sources, Growegy is located in Boca Raton, Florida. Allegedly, the company was founded in either 2018 (according to the about page on growegy.com) or 2020 (as reported on the Crunchbase profile). 

    Growegy Crunchbase profile

    Their own website says that they were founded by “people who wanted to help small businesses grow.” But, one Pitchbook entry lists their founders as Danny Williams, Alex Gridnev, and Iana Ishcuk—this entry lists the company in Livermore, California. 

    Growegy meaning

    I couldn’t verify Growegy Inc. as a registered business in either California nor Florida. After that, I decided to peek in at Deleware’s Secretary of State database, since they have the most business-friendly laws and lots of tech businesses seem to register there and list their companies as foreign entities in other states. 

    Lo and behold, I found them registered in Delaware, though the registration didn’t become active until 2023. With all this, there is a clear lack of transparency into their location and time in business, which are red flags. 

    Business vendor credit

    On one hand, knowing that the company has only been in operation since January 2023 helps to explain why they have no profiles on Trustpilot and BBB. However, I couldn’t even find any Redditor comments, questions, or reviews, which tells me there really aren’t many trust signals at all. 

    The bottom line is that Growegy hasn’t been in business long enough for me to recommend them with any sense of confidence. However, they have received an honorable mention from Nav, which is a business credit authority that I trust. And, they are active on social media, which tells me there are probably real people running the business, but they don’t have a ton of engagement. 

    Nav & Growegy

    Recommended: Using 30 Day Net Vendors to Build Your Business Credit Score 

    Growegy Platform Features 

    Growegy offers robust tools for project management, content creation, and digital marketing. Their AI tools assist with writing and refining content, while integrations with Google Calendar, Salesforce, and Outlook keep your tasks and customer data organized. They also provide marketing services and a loyalty program with rewards for long-term users.

    You might also like: What’s the Best Remote Desktop Software for Windows & Mac? 

    1. AI-Powered Project Management

    Growegy AI project management

    Growegy AI offers a range of tools to generate and refine content. You can use it to brainstorm ideas, write drafts, fix grammar, and more. Simply click on the Growegy AI icon to start. You can chat with the AI, asking up to 25 questions per session, and access previous chats for reference. 

    Prompts guide the AI to perform tasks, and the Prompt Library helps you find and reuse prompts across different categories. Variables allow you to save and reuse specific details like company names or product info, streamlining your prompts. 

    For frequent changes, use additions directly in prompts. Growegy AI is continually expanding its features, including upcoming options for custom prompts and variables.

    You might also like: Cred AI Review: Are You Really Better Than Your Bank? 

    2. App Integrations

    Growegy API integrations

    The Growegy platform integrates with Google Calendar, Salesforce, and Microsoft Outlook—this can streamline your workflow by keeping all your scheduling, customer relationship management, and communication in one place. 

    Syncing with Google Calendar or Outlook helps make sure your marketing tasks and deadlines are seamlessly managed alongside your regular appointments. The Salesforce integration aligns your marketing projects with customer data, improving lead tracking and campaign effectiveness. 

    Overall, these integrations can help you stay organized, coordinate with your team, and stay productive, but the integration process is pretty manual and requires API authorization.

    You might also like: The PEX Card: Is it the Best Corporate Card for Your Business? 

    3. Agency Services

    Growegy agency services

    They also offer digital marketing services designed to optimize or manage your marketing. 

    Growegy’s services include:

    • Advertising, SEM, PPC, & paid social
    • Website & SEO
    • Creative & content 

    They handle the placement of your ads across various platforms, including search engines and social media, to effectively reach and persuade your target audience. Growegy can build or manage your website, offering design, development, and hosting services. They also provide SEO optimization and produce various types of content for your marketing needs.

    You might also like: 31 Free & Cheap Marketing Ideas 

    4. Loyalty Program 

    Growegy Net 30 Loyalty Rewards

    If you’re a monthly subscriber, you’ll be eligible for Growegy’s loyalty benefits after you’ve been on the platform for five months. Annual users can take advantage of the loyalty program by their fourth month. 

    Some of the rewards include:

    • A set of social media or ad copy with an image.
    • An SEO technical review.
    • A website design review. 
    • An SEO content review and keyword suggestions. 
    • Advertising account setup.
    • Five engraved bottle openers or metal business cards.

    This program lets you try out some of Growegy’s extra services as a thank you for your loyalty.

    Growegy Net 30 Overview

    Build Credit With Growegy

    To apply for a Net30 account with Growegy, you need to provide your business’s EIN or Tax ID number in addition to contact info. You’ll choose the plan you want and apply. The application process is quick, with account creation completed within 48 hours.

    Growegy Net 30 application

    After approval, you will receive invoicing details and can start using Growegy’s services.

    You might also like: JJ Gold Net 30: Build Business Credit Buying Jewelry +More 

    What Business Credit Bureau(s) Does Growegy Report to? 

    Growegy reports your transaction history to several business credit bureaus to help build your business credit. They automatically report to bureaus like Experian and Equifax. For Dun & Bradstreet, they offer manual verification to make sure your payment history is accurately recorded. 

    This means your business credit allegedly gets built across multiple bureaus to help you establish a solid credit profile.

    Recommended: Everything You Need to Know About a DUNS Number – and Why You Should Care 

    How Do You Cancel Your Growegy Account? 

    You can cancel your account through the billing portal, by emailing support@growegy.com, or by contacting your account manager. They will process your cancellation within 48 hours, and it will take effect in the next billing cycle.

    Conclusion: Is Growegy Legit?  

    Growegy is a relatively new player in the project management and business credit space. While they offer a unique combination of services, including AI-powered tools and net 30 payment terms, the company’s legitimacy comes with some concerns. Their recent registration and lack of established reviews or clear transparency about their business location are red flags that can’t be ignored.

    However, Growegy does report to major business credit bureaus, which is a positive sign for those looking to build business credit. They also offer a comprehensive loyalty program, which adds value for long-term users.

    Ultimately, whether Growegy is right for you depends on your risk tolerance. If you’re comfortable with a newer company and are interested in their specific offerings, Growegy might be worth a try. 

    Want to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today! 

    Is the Full Focus Planner Legit? A Comprehensive Review

    By

    Full Focus Planner

    Today, staying organized and maintaining focus can be a challenge, especially for small business owners and professionals juggling multiple responsibilities…Enter the Full Focus Planner,  designed to help you set goals, manage tasks, and enhance productivity. 

    But with various planning methods and products available, is this planner the right fit for you? In this review, we’ll dive deep into what the Full Focus Planner is, how to use it, where to buy it, how it stacks up in terms of cost and effectiveness, and who you’re supporting when you buy it.

    This is what’s in store: 

    What is the Full Focus Planner? 

    Full Focus Planner Review

    The Full Focus Planner is an organizer to help you manage your time, set goals, and track your progress toward meeting them. It’s more than just a daily planner—it’s a comprehensive system based on productivity principles that aim to help you achieve both personal and professional success. 

    And, it’s got some unique features:

    • Each day has sections to set daily goals, prioritize tasks, and schedule your time by the hour.
    • Weekly pages provide an overview of your week, which enables you to plan your priorities, track progress, and reflect on your achievements.
    • The planner includes space to set and review quarterly goals, which can help you align your daily actions with your long-term objectives.
    • It includes tools to track habits and routines to help you build and maintain positive behaviors.
    • Finally, it gives you space to jot down important notes, ideas, and reflections.

    The planner combines elements of time management, goal setting, and habit tracking to create a holistic approach to productivity.

    You might also like: From Hire to Retire – Finding & Engaging a Committed Workforce 

    Full Focus Planner Pricing

    Full Focus Planner Discount Code

    In short, you pay for your planner or planner supplies up front and use them for the year. If you want a new one for the next year or additional training, you’ll need to make another purchase. And, pricing can change, so check the Full Focus Store for up-to-date pricing. 

    The Full Focus Planner is available in several formats with different pricing options:

    1. You pay a one-time fee of $41.99 to $49.99 for a year’s worth of planner. Once you use up this planner for the year, you’ll need to buy a new one for the next year.
    2. You pay $99.96 for a year’s supply of pages that go into a binder. If you don’t get these inserts, your planner won’t have enough pages to use after the first quarter.

    So, portfolio planners start at $46.99 and are a one-time purchase. After a year, if you want a new planner, you’ll need to buy another one. Full Focus Store also offers a yearly subscription where you pay once to get a set of planners each year with a 15% discount. The exact cost is specific to which product(s) you choose, but you’re signing up to receive planners annually.

    The Full Focus Planner’s training, called the Full Focus Course Passport, is supposed to help you master the planner’s features and boost productivity. It covers planning strategies, time management, and how to customize the planner for your needs—While some people find it valuable to learn how to effectively use the planner and improve their productivity, it does come with a high price tag of $1,349.80 (with a discount). 

    Recommended: What is the Best Personal Finance Software? Free and Paid Options 

    Company Overview

    Where to buy Full Focus Planner

    “Full Focus” or “Michael Hyatt & Company, LLC” is a Tennessee-based company, founded by Michael Hyatt in 2011. The company originally registered as a “foreign entity” (out-of-state) in Florida 2018. 

    Known for its effective goal-setting tools, Full Focus Store provides a range of planners, journals, and courses designed to help users achieve their personal and professional goals. The company’s approach, known as “The Double Win,” emphasizes balancing professional success with personal fulfillment. 

    Hyatt, the founder and chairman, has led the company to significant success, including multiple features on the Inc. 5000 list and being named one of Inc.’s Best Workplaces. And, before launching Full Focus, Hyatt spent seven years in executive roles at Thomas Nelson, a Christian-based publishing company and offshoot of HarperCollins, in Tennessee. 

    Full Focus Planner CEO

    I couldn’t find a company profile on the Better Business Bureau directory. On Trustpilot, the Full Focus Planner has a TrustScore of 3.5 out of 5, based on only three reviews (which isn’t enough to draw reliable conclusions). While one reviewer praised the product and customer service, another criticized the high cost but didn’t seem to have used the planner. A third had issues with the brand’s online community. 

    Full Focus Planner on Trustpilot

    With such limited feedback, it’s tough to gauge the overall experience.

    Employees on Glassdoor have mixed feelings about Full Focus, giving it an average rating of 3.3 out of 5. Positive reviews highlight flexible work hours, a supportive work environment, and a caring culture. However, some employees criticize upper management, describing them as disconnected and self-serving, with a tendency to ignore employee input. 

    Full Focus Store on Glassdoor

    Concerns about frequent restructures and poor leadership, particularly among the family members who run the company, suggest deeper issues within the organization. With only four reviews, these insights provide a glimpse but aren’t enough for a complete picture.

    With this limited feedback, of course, I turned to Reddit (the most critical audience of all). And, Redditors have mixed feelings about the Full Focus Planner. Some think it’s too expensive for what it offers, despite its high-quality construction. They suggest that you could recreate its useful elements in a cheaper notebook. 

    Full Focus Planner Reddit

    Still, some Redditors appreciate the planner’s layout but feel that the “weekend optimizer” section is unnecessary. Overall, Redditors recommend trying the planner to see if it suits you, but many believe you can achieve similar results with a more affordable option.

    Legit company? Yes. Worth it? That’s up to you. 

    You might also like: A Complete Thryv Review: Manage Online Business Listings +More 

    How to Use the Full Focus Planner

    Full Focus Planner How to Use

    The Full Focus Planner is a powerful tool designed to help you achieve your most important business and personal goals by breaking them down. By using the Full Focus Planner consistently, you’ll be equipped to turn your goals into reality, one step at a time. Here’s how to make the most of it.

    You might also like: InDinero Unveiled: A Detailed Accounting & Tax Platform Review 

    1. Set Up Your Annual Goals

    Start by identifying your key objectives for the year, your “Annual Goals.” The planner provides a dedicated space to outline these goals and the specific outcomes you want to achieve. 

    For example, if your goal is to grow your business, you might set a target to increase revenue by 20%. Once you’ve defined your Annual Goals, you can break them down into smaller milestones that can be accomplished each quarter—This approach helps make sure your long-term vision remains clear while you focus on immediate, actionable tasks.

    2. Plan Your Quarters

    With your Annual Goals in place, it’s time to translate them into quarterly action plans. Think of each quarter as a stepping stone toward your larger objectives. 

    For instance, if your goal is to launch a new product by the end of the year, your first-quarter focus might be on market research and product development. By concentrating on a few key initiatives each quarter, you’ll maintain momentum and avoid feeling overwhelmed.

    3. Identify Your “Weekly Big 3”

    Each week, the Full Focus Planner guides you to choose your “Weekly Big 3.” These are the three most important tasks that, if accomplished, will move you significantly closer to your goals. This is meant to help you prioritize what matters most instead of getting bogged down by less critical tasks. 

    For example, your Weekly Big 3 might include finalizing a proposal for a major client, completing a budget review, and planning a new marketing campaign.

    4. Weekly and Daily Planning

    Once you’ve identified your Weekly Big 3, use the planner to schedule your tasks and outline what needs to be accomplished. The daily pages help you break down your Weekly Big 3 into smaller, actionable steps. 

    Each day, you’ll have space to list your “Daily Big 3,” which are the top three tasks to focus on that day. The planner’s hourly format ensures that you allocate time effectively, balancing business responsibilities with personal commitments.

    5. Track Your Habits

    Building and maintaining positive habits is crucial to achieving your goals. The Full Focus Planner includes habit-tracking pages where you can monitor your progress on key behaviors, such as daily exercise, focused work sessions, or networking efforts. 

    When you consistently track your habits, you can identify patterns that contribute to your success and make adjustments when needed to stay on course.

    6. Review and Adjust

    At the end of each week and quarter, take time to review your progress. 

    The planner’s review sections encourage you to reflect on: 

    1. What worked
    2. What didn’t
    3. What changes might be necessary 

    For example, if you find that a particular strategy isn’t yielding the expected results, you can pivot and try a different approach. Regular reviews help you stay aligned with your goals and be sure you make steady progress toward achieving them.

    Pros and Cons of the Full Focus Planner

    ProsCons
    Structured approach to planningHigh cost ($160+ per year)
    High-quality materialsLimited usefulness
    Very customizableCustomer service issues

    In all, the planner offers a structured method to prioritize tasks through the “Big 3” system, helping users focus on their top goals for the day. But, the planner is generally considered expensive compared to other options—Users noted that similar functionality can be found in less costly alternatives.

    You might also like: Melio Payments Review: Can It Make Business Payments and Getting Paid Easier? 

    Frequently Asked Questions

    How do I return a Full Focus Planner?

    To return a Full Focus Planner, make sure it’s unused, in its original condition, and still in the original packaging—For help with a return, reach out to customer support at fullfocus.co/plannersupport, and they’ll guide you through the process.

    Does a Full Focus Planner lay flat?

    Yes, the Full Focus Planner is designed to lay flat when open, which makes it easy to write on both sides of the page without having to hold the book down.

    How many daily pages are in a Full Focus Planner?

    A Full Focus Planner includes daily pages for each weekday and space for weekly planning. The exact number of daily pages depends on the planner’s layout and whether it covers 90 days or a full year.

    Is it better to focus on one goal?

    Focusing on one goal at a time can be effective to achieve results as quickly as possible, because it allows for dedicated effort and clear prioritization. However, some people find it more useful to work on multiple goals simultaneously if they can manage their time and resources effectively.

    Conclusion: Is the Full Focus Planner Legit? 

    The Full Focus Planner provides a solid system to manage time, set goals, and track progress. Its structured approach, customizable options, and extra resources can definitely be useful for professionals and small business owners—However, some users have noted concerns about the planner’s cost and the learning curve associated with its comprehensive features. 

    Complaints include issues with the price, which can be high, and the complexity of fully utilizing the system. Despite these drawbacks, many find that the benefits (like improved focus and organization) make it a worthwhile tool to achieve professional and personal goals. 

    If you’re looking for a detailed method to boost productivity and stay on track, the Full Focus Planner might be a good fit. But it’s important to weigh the cost and potential challenges before you dive into anything.

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