1. Your Business Needs Are Occupying Your Personal Credit

So you need to put a large personal purchase on your credit card but you can't because this month's business expenses have already maxed out your credit? You probably need your own Visa business credit card. If your personal credit card can't handle the volume of your business credit needs, it's time to expand your credit horizons.

2. Your Business Isn't Being Rewarded

Now I'm not talking about rewards as in "high-interest rewards programs" here. I'm talking about rewards such as business travel insurance, group buying power and the other perks associated with carrying a Visa business credit card.

Let's face it, a growing business can use all the help it can get. Why not take advantage of everything out there -- including the benefits of a Visa business credit card?

3. Your Business Needs Its Own Credit History

Have you been in business for two years or more and you still don't have any business credit cards? Now may be the time to change that.

If your business is growing successfully it's going to need its own credit history. Think of it as a child who is going to grow up one day and needs credit of their own. Using mom and dad's credit cards is okay to a point, but it can't go on forever. Because of this, a Visa business credit card (even if it's a secured card) is essential to the development of your business.

4. You're Pulling Your Personal Credit Card Out When Trying to Woo Clients

You take a potentially big client out to dinner and when the bill comes, you whip out that credit card like the success story you are. Only problem is, it's your name emblazoned on that card -- not your company's. That might be a problem in the eyes of some.

If your business isn't stable enough to warrant its own credit card, is it stable enough to handle the needs of that particular client? Do yourself a favor and get a Visa business credit card. It will speak volumes about the establishment of your company.

If there's one thing you can't neglect, it's the financial growth of your business. Contrary to what some might believe, financial growth isn't just about profit statements. It's about credit growth as well. If you're serious about the future of your company, it may be time to apply for a Visa business credit card today.