Your business gets the funding. Your personal credit doesn't take the hit.
If a loan doesn’t show up on your personal credit report, it means the lender isn’t reporting it to Experian, Equifax, or TransUnion under your name. It’s in the business’s name, and it stays there. That means no added debt on your personal file, no changes to your score, and no impact on things like home loans or personal cards.
This is common in business lending. Your company borrows the money. You run the business. You repay through business revenue. Your personal credit stays out of it.
It’s one of the cleanest ways to fund growth. You get working capital without the usual baggage. No spike in credit utilization, no drop in score, and no distractions next time a lender checks your personal file.
When a loan doesn’t touch your personal credit, it doesn’t touch your personal score either. It won’t raise your credit utilization. It won’t affect your debt-to-income ratio. And it won’t show up when a lender pulls your report.
That means your score stays ready. You can apply for a mortgage, a car lease, or a personal credit card without explaining a business loan sitting on your file. Nothing looks inflated or risky because your business debt isn’t in the picture.
This setup gives you breathing room. You can keep growing the business without worrying that it’s going to slow down your personal financial plans. That kind of separation isn’t just convenient. It’s smart.
Loans like this don’t build your personal credit. They build your business’s. That’s exactly what you want.
Each on-time payment helps strengthen your company’s credit profile. That means better terms next time, higher approvals, and more trust from vendors and lenders down the road.
Too many business owners use personal credit cards or lines to cover business expenses. That might work early on, but it doesn’t move your business forward in the long run. Building actual business credit gives you options.
If you want your company to stand on its own two feet, this is how you get there. Borrow as the business. Pay as the business. Grow as the business.
When business debt shows up on your personal report, things get messy. It confuses lenders. It makes your debt load look higher than it really is. And it blends two worlds that should stay apart.
A loan that stays off your personal credit keeps that line clear. Your business does what it needs to do. Your personal profile stays clean. That’s good for privacy, for simplicity, and for any future plans that involve your personal credit. Buying a home or refinancing becomes easier when the business side isn’t cluttering the picture.
You shouldn’t have to explain your business loan to a landlord or mortgage underwriter. With this structure, you don’t have to.
When your personal credit isn’t involved, you can borrow for your business without slowing down your own plans. You don’t have to worry about adding debt that drags your score or clogs your file.
This gives you freedom. You can take out a business loan and still apply for a mortgage, open new personal credit cards, or refinance something without your business loan getting in the way.
You’re not carrying extra weight on your back just because your business needs capital. The loan lives with the business, where it belongs. You keep your flexibility and move forward on your own terms.
You don’t need to put your personal credit on the line to grow your business. With the right kind of loan, you can get working capital without showing a single dollar of extra debt on your personal file.
That means you can scale. Hire, market, stock up, expand. And you can do it without the loan following you home. Your business takes the loan. Your business makes the payments. And your personal credit stays out of it.
This setup gives you room to make real moves. You can take bigger swings without risking your own financial footing. That’s what smart business growth looks like. Clean, separated, and built to last.
Since 2009
To SMB's
Funded across the U.S.
Answers about speed, requirements, and how funding really works.
This type of loan does not appear on your personal credit report. It is issued to your business, so it stays off your personal credit file.
Your personal credit score will remain unaffected as long as the loan stays in good standing. Since it doesn’t appear on your personal report, it won’t influence your credit utilization or personal debt ratios.
Yes, it can. When your business makes consistent, on-time payments, it helps establish and improve your business credit profile with commercial credit bureaus.
In most cases, applying will not cause a hard inquiry on your personal credit. That means your score stays the same when you apply.
Keeping business debt off your personal report helps preserve your credit score, simplifies personal loan approvals, and allows your business to build credit independently.
Solve the problems you're facing.
Understand what “Funding in hours” really means, and how we move fast without the sacrifices.
Learn more →We’ve approved thousands of apps from people just like you. See what we can, and cannot, do.
Learn more →Worried about putting your home or business assets at risk? Nothing to worry about.
Learn more →