Keybank - just put X through PG (personal gaurantee) and fax it in, takes about a week to find out but they give some nice credit lines in the business name only. That's about the only Visa you can get without a pg
now store cards!
The list goes on, can't think of them all right now
if you apply online for stuff like office depot and you get a message to call, CALL, they just verify and then approve!