Build Business Credit in 30 Days
Black entrepreneurs deserve access to capital. I've helped clients unlock $310,000+ in business credit — without personal guarantees, without perfect credit, without the runaround.
If you have an EIN and a business, you can build fundable business credit. Let me show you exactly how.
Only 1% of funding goes to Black-owned businesses.
That ends here.
The capital gap is real. But it's not unfixable. Business credit is the legal, proven path that most Black entrepreneurs don't even know exists. I'm here to change that.
Banks Say No to Black Businesses
Black business owners are denied bank loans at twice the rate of white business owners. The system was not built for us — so we build around it.
Personal Credit Holds You Hostage
Most business owners don't know that business credit is completely separate from personal credit. You can build a fundable business credit profile starting today, regardless of your personal score.
Nobody Teaches This In School
Business credit is kept deliberately confusing. The knowledge gap between business owners who have capital and those who don't is a knowledge gap — and that ends here.
The 4-Step Business Credit System
A proven, repeatable process that takes any business from zero to fundable — in 30 days or less.
Build Your Foundation
Get your business properly structured — EIN, business address, phone number, website, and business bank account. Your business must look credible to lenders from day one.
Establish Your Credit Profile
Open your first tier of business credit accounts — starter vendors who report to business credit bureaus without requiring personal guarantees or credit checks.
Stack Vendor Accounts
Layer in retail and fleet business credit cards. As your profile grows stronger, you qualify for higher limits and more prestige accounts automatically.
Access Real Funding
With a strong business credit profile, you can access $50k–$250k in business credit lines, SBA loans, and equipment financing — without touching your personal credit.
Resources, Training & Consulting
Whether you're starting from zero or ready to scale to six figures, there's a resource built for exactly where you are right now.
Business Credit Assessment
Find out exactly where your business stands and what's holding you back from getting approved for business credit. Takes 5 minutes. Completely free.
Business Credit Cookbook
The step-by-step recipe to build business credit from scratch. Everything you need in one guide — accounts, bureaus, timelines, and strategies.
7 Easy Net 30 Accounts
The exact 7 vendor accounts that report to business credit bureaus immediately. These are your first moves to building a real credit profile.
6 Figure Business Credit Mini Course
A condensed, high-impact training on building $100k+ in business credit. Perfect if you want results fast without a long commitment.
10 Minute Business Creation
Get your business legally structured, credit-ready, and fundable in under 10 minutes. The fastest path from idea to legit business.
1-on-1 Consulting
Work directly with Derick. Get a custom business credit strategy built for your business, your timeline, and your goals. $2,000/month.
From the Streets to Six Figures in Credit
I grew up in the inner city. I was involved in things I'm not proud of. I did time. When I got out, the system made it clear that getting a loan, building a business, accessing capital — none of that was designed for someone like me.
So I reverse-engineered it. I studied business credit from the ground up, learned every loophole, every account, every strategy. And then I started helping others do what the system told them they couldn't.
$310,000+ in business credit created for clients. That's not a number. That's a movement.
Real People. Real Credit.
“I went from zero business credit to $85,000 in credit lines in less than 60 days following Derick's system. I couldn't believe it was that straightforward. The knowledge is real.”
“Derick broke down business credit in a way that actually made sense. No fluff, no gimmicks — just a system that works. I'm now at $45k in business credit and climbing.”
“The consulting was worth every penny. Derick knew exactly which vendors to target first and in what order. I had my first $50k credit line within 30 days.”
* Testimonials represent real client results. Individual results vary based on business structure, credit history, and implementation.
Start Building Your Business Credit Today
The free assessment tells you exactly where you are and what to do next. 5 minutes. No credit card. No obligation. Just clarity.
Or start small — grab the Business Credit Cookbook for $5.90