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Invest in your future. Structured programs to build or repair your business credit profile, unlocking better funding options over time.
A strong business credit profile is the foundation of long-term financial health. Our credit building program provides structured guidance and practical tools to establish, build, or repair your business credit — opening doors to better rates, higher limits, and more favorable terms.
We work with you to establish proper business credit accounts, ensure accurate reporting to business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business), and develop a strategic roadmap to improve your scores over time.
This program is ideal for newer businesses looking to establish credit, companies recovering from financial setbacks, or any business owner who wants to position their company for optimal funding terms in the future.
A strong business credit profile unlocks lower rates, higher limits, and more flexible terms across all funding products. The investment pays for itself.
Building dedicated business credit protects your personal credit score and creates an independent financial identity for your company.
Credit building is an investment in your business's financial future. The stronger your profile, the more opportunities become available.
Explore costs across different funding products. Adjust the sliders or pick a scenario below.
Factor rate varies by term length and business profile.
Est. Monthly Payment
$11,042
Total Repayment
$132,500
Cost of Capital
$32,500
Factor Rate
1.32x
Effective Ann. Rate
32.5%
This calculator provides estimates for illustrative purposes only. Actual rates, terms, and eligibility depend on your business profile, credit history, and lender underwriting. Apply to receive a real offer.
See why 10,000+ businesses chose Creative over traditional financing.
Don't have all of these? Apply anyway — our team will work with you to find a path forward.
We're building credit building success stories every day. Here's what other CCAP clients have to say.
“We needed $500K for a new commercial project and Creative Capital had the funds in our account within 48 hours. The process was seamless — our advisor walked us through every step. We've since funded three more projects through them.”
Marcus Thompson
CEO, Thompson & Co. Construction
“After being turned down by two banks, Creative Capital got us approved for a $250K line of credit in under a week. Their team understood our business model and found the right lender match. It's been a game-changer for managing cash flow.”
Sarah Chen
Founder & COO, Brightpath Logistics
Apply in 5 minutes. No credit impact. A funding advisor will be in touch within the hour.
Takes 5 minutes. No credit impact. No obligation.