It is very hard to get a business loan or credit. Sadly, a lot of new business fail. A lot of banks and credit card companies require two years in business before thinking about extending credit. Without knowing what kind of business you have, Capital One has a credit card they are more lenient on with requirements. There was about 4 months between the time I got my FEIN and the time I opened and I got my Capital One about the time I opened. I also got a Staples card about 3 months after I opened. A gas card may be an option for you. Even opening up a merchant account requires a credit check - I opened my merchant account including an Amex merchant account about a week before I opened.
If you have a good relationship with the bank who has your personal account(s), you may want to open your business accounts with them - that is what I did. If you do that, talk to them about your options for getting a business credit card, a business loan and a merchant account if you will need to accept credit cards.
