@Anonymous wrote:
I have a ein number no llc operating as sole proprietorship, will i be able to get no pg or how does this work
Just to add to what Morpho said. No PG business credit lines backed by Citi, Home Depot, Staples, TSC, Office Depot, Sunoco, Exxon/Mobil, require a min of 3 years business credit history before they'll consider an application without a PG. Dell Computer, Lowes, Amazon Net 55, JCP & Menards, might approve applications without PG if you can demostrate a year or so of payment history. I would start with Net 30 accounts with Quill, SupplyWorks, Grainger and Uline.
I have a new LLC and was denied for just about every credit line I applied for. I used Quill and SupplyWorks every month to build payment history and at about a year with 2 lines reporting on Experian and nothing on D&B (No Paydex Score) I was approved for Amazon Net 55, Menards, JCP, Dell, Lowes. Citi has denied me several times and told me I should stop applying until the my LLC has 3 plus years of reporting history. Sams Mastercard is likely to have the same position, but the store card might be possible with less than 3 years. SyncBank gave the LLC JCP, Amazon & Lowes, but will not approve the Conoco card, citing lack of accounts reporting.
Keep in mind business credit is like personal, it's a slow journey that improves with age and responsibility. So I would recommend you file for an LLC, get an EIN for the LLC and then start with Supply Works, Quill, Uline, Grainger and submit credit application for those vendors, don't just order and pay invoice, although they may require you do that a few times before issuing your LLC an actual credit line, but do make an effort to obtain a credit line after your business becomes an LLC.
