I have decent credit but I am looking to get credit, credit cards and loans if possible under the name of my corportation. I recently received a duns number and have gotten 2 small office credit cards under my business EIN. These are not tied to my personal credit or social. I have been using these cards and paying them within a week of using for the last month. How long will it take to generate a score under the business? What types of cards can I get under the business name once the credit score is generated. What company's will be most helpful? We need additional capital and inventory and the banks are not being that helpful even with business financials, they don't even ask to see them. Our business is almost 3 years old. Any help would be appreciated, thanks.

Sounds like your on the right track, but it takes a while for businesses to build credit. Most banks like to have an officer personally liable, but some will work with you. Busey Bank does some nice commercial stuff. Outside of that you need a venture capital firm. Bad news there is they usually want a piece of the business. Depending on your business and where you are located getting the money can be easy or hard. I live in Indiana and Venture Capital is difficult to obtain. Private financing may be worth looking into, but won't help your business credit. I have tended to turn to private investors for financing needs, do to the nature of my business, most banks consider my business "high risk" and won't touch me. Sorry, but it may be a long uphill journey.

Your business already has some level of credit - the fact that you are getting approved for credit cards under the business name is a pretty big sign of the credit to the business. Depending on what exactly it is that you are looking to get, however, in terms of the amount of credit, is something that may take months or years to actually come into being...

Remember that many businesses fail within their first 3-5 years. If your business is new (or relatively new), there are not going to be many banks that are willing to provide a large amount of credit to you, especially without you or another principal personally liable for the balance. If you co-sign, or provide the banks with your social, and agree to be personally responsible for the balance, the credit limits will skyrocket (provided your credit score validates such a lift). Short of this, there really is not much more you can do, other than wait.

Just my 2 cents though.
J