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🚨 Business Credit Update – What You Need to Know (March 2025)
Here’s a quick breakdown of the key takeaways from this video:
✅ Chase Reporting Errors: Some Chase business credit cards are mistakenly reporting to personal credit. Don’t panic—it should fix itself within 1–2 billing cycles. If not, call Chase to request a review.
📋 BOI Filing Overturned (For Now): The Beneficial Ownership Information (BOI) filing rule has been temporarily overturned. That means fewer compliance headaches—for now. But be prepared, it could return.
🏦 Top Banks Lending Right Now:
- Truist
- Financial Resources FCU
- M&T Bank
- Citizens Bank
Pro Tip: Open a business checking account with these banks first for better chances at no-doc approvals.
💳 Use a Credit Partner If Needed: Got low personal credit? Temporarily list a credit partner with 85–95% ownership on your LLC to qualify, then adjust ownership later.
🔥 PNC Bank Alert: Offering 0% APR for 13 months on purchases and balance transfers—great opportunity from a backyard (portfolio) lender.
📍 Avoid Virtual Address Denials:
Lenders are denying apps using virtual addresses. Instead, use:
- Your home address with a suite number (e.g., Suite A)
- A shared office from a realtor, lawyer, etc.
📘 Bonus: Want the full list of the top 446 banks offering business credit? Grab the $7 database + free training (Click Here).