What Billionaires Know That Most People Never Learn
Published by The SFields Group
Most people use personal credit to fund their dreams — but the wealthy know better.
They use business credit to fund ventures, protect personal assets, and scale wealth silently.
At The SFields Group, we show you how to build wealth with intention — and that means understanding how to separate your personal profile from your business potential.
Here’s how billionaires and strategic entrepreneurs quietly build financial empires using business credit — without ever putting their personal credit at risk.
Step 1: Structure Your Business Correctly
To build legitimate business credit, your foundation matters. This begins with forming a legal business entity and making sure it is set up professionally.
What you need:
•A registered LLC or Corporation (not a sole proprietorship)
•A unique business name that doesn’t signal high-risk industries
•A business address (preferably not a P.O. Box)
• A dedicated business phone number and email address
• A professional website and domain
• A business bank account
These are basic credibility indicators lenders and vendors look for. If your business lacks these, you’ll struggle to establish trust with creditors.
Step 2: Get Your EIN and DUNS Number
Once your business is legally formed, you’ll need two essential identifiers:
1. Employer Identification Number (EIN)
Issued by the IRS, your EIN is the business version of a Social Security number. You’ll use it to open accounts, file taxes, and apply for credit — instead of using your SSN.
2. D-U-N-S Number
Issued by Dun & Bradstreet (D&B), this is your business’s ID for building credit.
It allows you to generate a business credit file — separate from your personal report — and start establishing a Paydex score based on how you manage vendor and supplier accounts.
Apply for free at: www.dnb.com
Step 3: Open Net-30 Vendor Accounts
Net-30 accounts are foundational to building business credit. These are vendors who allow you to “buy now, pay in 30 days.” They report your payments to business credit bureaus.
Start with vendors that:
• Report to D&B, Experian Business, and Equifax Small Business
•Approve new businesses with minimal requirements
•Sell real, usable business products (office supplies, digital tools, etc.)
Popular starter vendors include:
• Uline
• Grainger
• Quill
• Summa Office Supplies
• NAV (for monitoring and business credit reporting)
Pay these accounts on time or early to generate a strong Paydex score (80+ = excellent).
Step 4: Move to Tier 2 and Tier 3 Accounts
Once you have 3–5 Net-30 accounts reporting, you can move up to more advanced credit tiers:
Tier 2:
•Store cards (Lowe’s, Amazon Business, Home Depot Pro)
•Fleet cards (Fuelman, Shell, WEX)
Tier 3:
•Major business credit cards
•Business lines of credit
•Equipment financing
At this stage, you’re accessing real capital — often without ever needing to provide a personal guarantee (PG).
Step 5: Apply for Business Credit Cards with No PG
Many credit cards require a personal guarantee, meaning you’re personally liable if the business fails. But with the right foundation, you can qualify for business credit cards with no PG.
To do this, you’ll need:
•6+ months of business credit activity
•5+ reporting tradelines
•A strong Paydex score (80 or higher)
•Revenue or bank statements (some cards require this)
•A business profile that appears credible to lenders
Cards and institutions to explore:
•Brex (no PG, revenue-based underwriting)
• Divvy
• Ramp
• Sam’s Club Business Mastercard
• Capital One Spark (select versions)
Why This Works for the Wealthy
The wealthy don’t risk their personal credit for business. They:
•Protect personal assets through entity separation
•Use EIN-only lending to shield their SSN
•Stack tradelines to qualify for larger lines of capital
•Keep personal credit clean for real estate, investing, or legacy planning
This is how wealth is scaled quietly and safely — using credit that doesn’t even touch their personal file.
Final Word: Business Credit Is a Hidden Asset
Most people don’t know this system exists.
Others think it’s out of reach.
But at The SFields Group, we’re here to show you that you can build it — step by step — and create a future fueled by leverage, not limitation.
Visit TheSFieldsGroup.com to access business credit guides, tools, and coaching designed to help you build wealth on your terms — and in your name.
We don’t just fix credit. We show you how to turn it into capital.
The Blueprint the Wealthy Don’t Talk About — But Use Daily
Billionaires don’t just protect their credit.
They position it.
They don’t apply. They qualify themselves in advance — through structure, timing, and strategy.
This isn’t a “hack.” It’s a blueprint — the same one used to build corporations, scale silently, and access capital on command.
We’re handing it to you.
If you’re serious about building wealth without sacrificing your personal credit,
download The Business Credit Blueprint now.
It’s quiet capital. Structured leverage. And it’s yours.
Download the Blueprint at TheSFieldsGroup.com