Personal & Business Credit Consulting, Llc

What Personal & Business Credit Consulting, Llc does

Personal & Business Credit Consulting, LLC is a privately held consulting firm headquartered in Dubuque, Iowa (registered in Pennsylvania) that helps small business owners build business credit profiles and access external funding without relying on personal credit. The company primarily serves SMBs — including operators with poor personal credit who have been rejected by banks, early-stage startups seeking to establish credit from inception, and established businesses pursuing growth capital. Customer testimonials reference franchise startups, factoring, miscellaneous-expense loans, and credit-building after ten years in business, illustrating a horizontally segmented SMB focus.

The core product consists of a Business Credit Builder Program (assistance with DUNS numbers, Experian Smart Business credit reports, and vendor approvals that report to business credit agencies) and a Business Funding Suite (an online application platform that cross-checks applications against underwriting guidelines for 2,100+ finance institutions). A stated $50,000 business credit approval guarantee — applicable regardless of personal credit condition — is a central commercial promise. The underlying technology is described as an online funding application platform featuring real-time business credit monitoring; the firm also operates iOS and Android mobile applications. A partnership with Nav.com provides clients with free personal and business credit monitoring accounts.

Revenue is generated via subscription-based consulting services with a 30-day free trial and non-refundable terms; pricing is not publicly disclosed. The go-to-market motion is direct-to-consumer, combining website content marketing, social media presence (Facebook, Twitter, LinkedIn), email capture through a free E-Book lead magnet, and phone-based inside sales. Distribution is purely domestic (United States), and no government filings, awards, patents, funding history, M&A, or institutional ownership are disclosed. The company operates under a DBA named 'Alternative Credit Solutions' alongside its primary brand.

Name

Personal & Business Credit Consulting, Llc

Legal name

Personal and Business Credit Consulting LLC

Website

https://businesscredit911.com

Company type

Private

Founded year

2023

Operating status

Operating

Short description

Personal & Business Credit Consulting is a private US consulting firm that helps small business owners build business credit and access funding from a network of 2,100+ sources, offering a $50,000 credit approval guarantee regardless of personal credit.

Ownership category

akta.pro rank

Product category

Business Credit and Funding Consulting

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (52239)

SIC

Loan Brokers (6163), Services-Management Consulting Services (8742)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Business credit building
• Business funding consulting
• Small business financing
• Credit tradeline services
• Alternative business lending

Headquarters

HQ city

Dubuque

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Business Credit Consulting Services: The company provides business credit building and funding consulting services through a subscription-based model with a 30-day free trial for new users. Services include step-by-step guidance through funding applications and business credit building programs.
2. Business Credit Builder Program: Guided program for building business credit profiles with access to vendors who report to business credit reporting agencies. Includes coaching team support and real-time credit monitoring.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Personal & Business Credit Consulting provides a subscription-based business credit building program and online funding application platform that helps small business owners build business credit profiles and access funding from over 2,100 finance institutions. Services include a step-by-step coaching program for obtaining DUNS numbers and Experian Smart Business reports, vendor approvals that report to business credit agencies, and pre-qualification for credit lines and loans up to $12 million. The company backs its credit-building program with a $50,000 business credit approval guarantee regardless of personal credit condition.

Product overview

Personal & Business Credit Consulting offers a suite of business credit and funding services centered around two core offerings: the Business Credit Builder Program (a coaching system that helps obtain DUNS numbers, access Experian credit reports, and build business credit profiles through vendor approvals) and the Business Funding Suite (an online application platform connecting business owners to over 2,100 funding sources for pre-qualification). These are supplemented by Business Tradelines for credit profile building, Free Business Credit Reports via Nav.com partnership, and a $50,000 Business Credit Guarantee that promises approval regardless of personal credit standing. The company positions itself as a comprehensive step-by-step funding and credit building solution for entrepreneurs.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Credit Builder Program A subscription coaching program that walks business owners through obtaining DUNS numbers, accessing Experian Smart Business credit reports, and getting approved with vendors who report to business credit reporting agencies, enabling the owner to build a business credit profile independent of personal credit.
• Business Funding Suite An online funding application platform that guides clients through the lending process by revealing what lenders look for in each section, with pre-qualification against 2,100+ finance institutions and access to credit lines and loans up to $12 million.
• Business Tradelines Credit lines and tradeline services that help businesses establish and build their business credit profile by reporting payment history to appropriate business credit reporting agencies.
• Free Business Credit Reports (Nav.com Partnership) Free credit monitoring account access arranged through the company's partnership with Nav.com, allowing business owners to view personal and business credit profiles with soft inquiry only and no trial subscription required.
• $50,000 Business Credit Guarantee An iron-clad guarantee attached to the Business Credit Builder Program that promises clients will be approved for at least $50,000 in business credit regardless of personal credit condition, in addition to all other funding secured through the platform.

Quantifiable outcome

• $50,000 guaranteed approval for business credit regardless of personal credit condition
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Nav.comminorOthersNav.com is referenced as a partner for providing free personal and business credit monitoring accounts to clients. The company arranges for customers to receive a FREE credit monitoring account through Nav.com that doesn't require a trial subscription.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Lendio: Lendio operates an SMB lending marketplace aggregating multiple lenders into a single small business funding application. Comparable because it competes with PBC on the funding-matching side of the funnel with a much larger network and capital base.
• Fundbox: Fundbox is an established SMB working capital and credit platform. Comparable as a broader incumbent offering the kind of short-term credit and financing that PBC connects its customers to.
• Biz2Credit: Biz2Credit matches small businesses with bank and alternative lender financing options and provides business credit insight tools. Comparable because it overlaps with PBC on SME funding intermediation and credit data presentation.
• OnDeck (OnDeck Capital): OnDeck is a well-known online small business lender providing working capital loans and lines of credit. Comparable as one of the established fintech lenders in the long tail of the 2,100+ lender network PBC routes into.

Direct peers

• Credit Suite: Credit Suite offers business credit building programs, vendor tradelines, and funding access for SMBs, mirroring PBC's core Business Credit Builder and Business Funding Suite offerings with very similar target customers and pricing models.
• Nav Technologies (Nav.com): Nav provides business credit monitoring and a lending marketplace that connects SMBs to financing options. Directly comparable because it overlaps with PBC on both credit monitoring (Nav is even referenced as PBC's credit monitoring partner) and lender matching.
• Business Credit Brokers (BCB): Business Credit Brokers is a credit consulting and broker service helping small businesses build business credit and access funding. Directly comparable as a smaller-scale peer in the same business credit consulting niche.

Others

• Experian (Business): Experian's business credit unit (including Experian Smart Business reports used by PBC) compiles business credit data and scores. Comparable as the source of one of PBC's headline monitoring products.
• Dun & Bradstreet (D-U-N-S): D&B is the dominant business credit reporting agency whose D-U-N-S number underpins PBC's credit-building products. Comparable as the underlying data infrastructure PBC helps its customers get listed in and optimize within.

Emerging players

• Credit Repair Cloud / Credit-Aid type consultancies: Credit Repair Cloud enables credit repair and business credit consulting entrepreneurs to launch their own services. Comparable as an enabling platform for the same business credit consulting industry PBC operates in.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/creditconsulting911
• LinkedInlinkedin.com/in/creditguy911
• Xtwitter.com/Creditguy911

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Personal & Business Credit Consulting, Llc