What type of business owner are you? If you're Type #1, and you want to move to the other category, then you've come to the right place. There are specific steps to build your ?business? credit so that you can become creditworthy enough to begin to apply to financial institutions for business credit.

If you want business credit in any area, including Warren, Michigan, you need to understand a few points:

personal credit and business credit ? knowing what's the difference

a.choosing the best business name and legal entity structure

b.understanding the importance of your business address in Warren, Michigan

c.repeated applications for businesses credit lines can hurt your FICO scores

A new Warren business

Maybe you've got a great new business idea for the Warren area that you want to take to the next level, but you don't have access to extra funds or company credit cards. Or perhaps your personal credit is so bad that financial institutions won't lend to you. Your immediate goals should include the following:

?improve your personal FICO scores so you can start to build your business profile

?begin to apply for small business credit cards from vendors in Warren

?apply for a few unsecured business loans without any personal guarantees

?obtain unsecured lines of credit to get the working capital that you need

I know that you might say ?that's easier said than done?. Well, what counts is that you comprehend what it means to be business creditworthy. Once you've established a business credit profile, personal guarantees will probably no longer be needed. When you apply for credit with a local company in Warren, you will have built up a business reputation that is easy to document.

Meanwhile, it is critical that your personal FICO scores show a ?positive? rather than negative picture of you because in the beginning, you may need to use personal guarantees.

The best way to get any type of business funding, business credit lines, or business startup loans with financial sources for your business in Warren is to learn from the experts exactly how to do this process. It doesn't matter if you are in Macomb County, Oakland County, Livingston County, or Clinton County the procedures are still the same.

This article was written by Susan Carter, author of the new eBook ?Basics of Business Credit? that can be purchased on http://www.susansbooks.com. Susan is giving away ? to the first 600 people who buy her eBook - a Free Credit Restoration Guide, so don't wait ? ACT RIGHT NOW.