Business Credit Guides | BusinessCapital.com

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How to Separate Personal and Business Credit the Right Way

Miles Dahan
August 6, 2025 •5 min(s) read

Tangled credit is a common trap for small business owners. This guide walks through how to cleanly separate personal and business credit and why it matters.

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How to Build & Improve Your Business Credit Score

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BusinessCapital.com is a direct lender helping small businesses nationwide get the funding they need to grow. With over $5 billion funded to U.S. businesses and an A+ BBB rating, we offer an easy online application and same-day decisions — making business funding fast, simple, and stress-free.

*Same-Day Funding availability varies by state. Eligible applications must be submitted Monday-Friday before 10:30 AM EST. Applying for business funding won't impact your personal credit score. However, accepting an offer may result in a hard credit inquiry, depending on the product selected.

*Fund receipt time varies by product, with some as quick as 24 hours, though longer periods may apply.

*Depending on your state and application details, a minimum initial draw of $1,000 may be required.

*All loans are subject to lender approval.

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Business Credit