What you are describing is not a credit card, it is account receivable factoring or use of a cash managment line of credit.
You need to speak to a commercial bank rep, not go through a credit card application. Factoring accounts or getting a line of credit for cash management will be based upon several factors:
1. Your company's age/years in business.
2. Your company's credit (D&B, Experian Bus, Equifax Bus)
3. Depending on your company age/credit, you personal credit.
4. Your company's revenues
5. The type of receivables you want to factor or credit against.
6. They type of customers you vend for.
7. The amount of credit/cash management you need.
8. Your account receivables default rates or bad debt ratios.
Some, all or a combo of the above may apply to the decision. Some small bus owners who have adequate personal credit resouces do use personal lines and/or personally guaranteed lines of credit to function as a "bridge loan" for receivables.
Just so that you are aware, there are business credit unions, small community banks, finance companies and other resources beyond "big banks" for the credit you are shopping. I would stop applying with anyone whom you cannot speak to a real person to at least converse your needs and have them explain their products, services and your options before application and even help you to understand what you will need to qualify. Otherwise you are just spinning your wheels, running up a ton of inquiries which only make the problem worse.
