Build Smart. Grow Strong. Stay Funded.

Build Real Business Credit Without Using Your Personal Score

Establish your DUNS number, access Net 30 vendors, and unlock funding — all without a personal guarantee.

Why Business Credit Matters

Business credit gives your company the power to grow — without risking your personal assets.

Most entrepreneurs start without it, relying on personal credit to fund everything.

But with the right setup, you can build a business credit profile that allows you to:

✅ Get approved for vendor lines, loans, and cards

✅ Separate your personal and business finances

✅ Access funding — even with low personal credit

✅ Qualify for higher limits with better terms

Carter & Co. helps you build a solid credit foundation from the ground up, step by step.

What’s Included in Our Credit Building Program

DUNS Number Registration & Setup
Business Credit Profile Creation
Access to Pre-Vetted Net 30 Vendors
Tier 1–3 Vendor Application Guidance
Business Bank Account & Compliance Support
Monthly Tracking and Credit Monitoring Options
Ongoing Education on Credit Tiers and Usage

Who This Is For

If your business needs access to capital, credibility, or independence from your personal credit — this service is for you.

Startups looking to establish business credit fast
Entrepreneurs with poor or limited personal credit
Businesses planning to apply for funding or grants
Founders who want to scale with less financial risk

How It Works

Our process is designed to help you show up as a trustworthy borrower to lenders — step by step.

Step 1: Foundation Setup: We help you establish a DUNS number, verify your business identity, and set up your credit profiles.
Step 2: Net 30 Vendor Access: You’ll receive a curated list of beginner-friendly vendors + application guidance to get approved.
Step 3: Build Credit Tiers: As you pay on time, you’ll move up from Tier 1 to Tier 3 vendors and unlock greater credit limits.
Step 4: Graduate to Funding: Once your profile is strong, you’ll be ready to apply for real business funding — credit cards, lines of credit, or loans.

Our Promise

Clarity

We break down financial topics so you can make informed decisions

Support

You’ll never be left guessing, with access to tools, updates, and real humans

Access

We create opportunities for those who need real solutions, not just advice

Your Success Is Our Mission

At Carter & Co. Consultants, we believe that access, structure, and strategy are the foundation of personal and business success. We’re more than just consultants — we’re your partners in progress.

Founded with the mission to simplify complex financial and business processes, Carter & Co. was built to serve everyday entrepreneurs, side hustlers, service professionals, and aspiring business owners who are often overlooked by traditional systems.

Whether you’re looking to build your business credit, repair your personal credit, form an LLC, or get access to funding — we’re here to guide you every step of the way.