Build business credit the right way — from the ground up
VANTIS Capital Ready gives entrepreneurs a proven, step-by-step system to establish a fundable business profile, build real commercial credit with D&B, Experian Business, and Equifax Business, and confidently pursue vendor accounts, credit cards, lines of credit, and SBA loans — before you ever need them.
I built this course to give you the financial infrastructure your business deserves — built correctly from the ground up, so you never have to walk into a lender's office hoping instead of knowing.
— Keith - Your Business Coach
What you'll learn
What you'll be able to do
- Establish every element of a fundable business profile — EIN, D-U-N-S Number, business address, banking, bookkeeping, and professional identity — so lenders and vendors recognize your company as a credible entity.
- Explain how business credit bureaus (Dun & Bradstreet, Experian Business, and Equifax Business) collect and score commercial data, and use that knowledge to monitor and protect your business credit profile.
- Build a starter trade-credit history using Net-30 and Net-60 vendor accounts that report to commercial bureaus, demonstrating responsible purchasing and on-time payment behavior.
- Progress your credit strategy from foundational vendor accounts to revolving business credit, business credit cards, and lines of credit by managing utilization and account history deliberately.
- Evaluate commercial financing options — including equipment financing, vehicle financing, and SBA loans — by understanding the underwriting factors lenders use: revenue, cash flow, time in business, debt-service capacity, and financial statements.
- Create a written capital-stack roadmap that sequences funding sources strategically so your business pursues capital while it is financially healthy, not in crisis.
How it works
A school that adapts to you
This isn't a set of static videos. Every lesson is generated live and tuned to where you actually are.
We learn your level
A quick placement check tailors your starting point so you're never bored or lost.
Lessons adapt as you go
Each lesson is written for your pace and your goal, adjusting as your skills grow.
Your AI coach keeps you moving
Checkpoints, feedback, and gentle nudges turn progress into a real result.
The curriculum
What's inside your school
6 modules · 29 lessons
Build a Fundable Business Foundation
Covers every structural element lenders and vendors expect to see before they will work with your business.
- 1.1What Makes a Business 'Fundable'Included
- 1.2Business Formation, EIN, and Legal StructureIncluded
- 1.3Professional Business Identity — Address, Phone, and EmailIncluded
- 1.4Website, NAICS Code, and LicensesIncluded
- 1.5Business Banking and Bookkeeping BasicsIncluded
Understand Business Credit
Explains what business credit is, how it differs from personal credit, and why separating the two is essential for long-term growth.
- 2.1Personal Credit vs. Business CreditIncluded
- 2.2Why Separation of Finances MattersIncluded
- 2.3How Business Credit Is EstablishedIncluded
- 2.4The Business Credit Bureaus — D&B, Experian Business, and Equifax BusinessIncluded
- 2.5Monitoring and Protecting Your Business Credit ProfileIncluded
Establish Your Business Identity with Bureaus
Guides you through registering your business identity with key commercial databases so creditors can find and verify you.
- 3.1Your EIN and Why It Anchors Your Credit IdentityIncluded
- 3.2Getting Your D-U-N-S NumberIncluded
- 3.3NAP Consistency — Name, Address, and PhoneIncluded
- 3.4Business Listings and Directory VerificationIncluded
Build Vendor and Trade Credit
Teaches you how to strategically open Net-30 through Net-90 vendor accounts that report to commercial bureaus and build payment history.
- 4.1How Trade Credit Works — Net Terms ExplainedIncluded
- 4.2Choosing Vendors That Report to Commercial BureausIncluded
- 4.3Applying for Starter Vendor AccountsIncluded
- 4.4Responsible Purchasing and On-Time Payment StrategyIncluded
- 4.5Using the 30-Day Quick Start Vendor ListIncluded
Develop Revolving Business Credit
Moves your credit strategy forward from trade accounts to store cards, revolving accounts, and business credit cards while managing utilization.
- 5.1From Trade Credit to Revolving Credit — The Natural ProgressionIncluded
- 5.2Store Accounts and Gas Cards as Credit-Building ToolsIncluded
- 5.3Business Credit Cards — Selection and Application StrategyIncluded
- 5.4Managing Utilization and Account HistoryIncluded
- 5.5Building a Responsible Revolving Credit PortfolioIncluded
Access Commercial Financing and Build Your Capital Strategy
Covers higher-level financing options, lender underwriting criteria, and how to build a written capital-stack roadmap for your business.
- 6.1The Business Credit and Funding LadderIncluded
- 6.2How Lenders Underwrite Business FinancingIncluded
- 6.3SBA Loans and Commercial Financing OptionsIncluded
- 6.4Building Your Capital StackIncluded
- 6.5Your 90-Day Capital Readiness RoadmapIncluded
Who it's for
Is this you?
First-time founders
Just launching and wants to set up the legal structure, EIN, banking, and business credit profile correctly from day one.
Established owners starting late
Has been in business for years but has little to no commercial credit profile and needs to build one intentionally.
Freelancers going legit
Ready to transition from sole proprietor to a properly structured business entity with separate finances and a fundable identity.
Consultants and service providers
Wants to qualify for vendor accounts, business credit cards, and eventually equipment or working-capital financing without relying on personal credit.
SBA loan aspirants
Has an eye on SBA or commercial financing and needs to understand exactly what lenders look at — and how to build toward those benchmarks now.
Growth-stage entrepreneurs
Running a growing operation and ready to build a strategic capital stack that sequences funding sources before a cash crunch ever hits.
Questions
Frequently asked
Your teacher
A note from your teacher
Keith Mcmillian
If you're reading this, there's a good chance you've already experienced some version of this moment: you go to apply for a business credit card, a vendor account, or a line of credit — and you hit a wall. Either there's not enough on file to make a decision, or what's on file isn't what a lender needs to see. And the frustrating part? You've been working hard. Your business is real. You just didn't know there was an entire parallel financial system built for businesses — and that you needed to build your profile in it deliberately.
That's the gap VANTIS Capital Ready was built to close.
I designed this course because the information entrepreneurs need to set this up correctly is scattered, often incomplete, and frequently buried under pitches for products that aren't right for where you actually are. What you need is a clear, honest sequence: here's how a fundable business is structured, here's how the commercial credit bureaus actually work, here's the specific order of operations to build a credit profile that lenders and vendors will respect, and here's how to think about commercial financing before you need it. That's exactly what this course delivers.
We start at the foundation — because if your EIN, business address, NAP consistency, and banking setup aren't in order, nothing else will stick. Then we move into the credit bureaus: D&B, Experian Business, Equifax Business — what they track, how they score it, and how you monitor and protect your profile. From there we build your trade credit history with Net-30 and Net-60 vendor accounts that actually report, progress to revolving credit and business credit cards managed with smart utilization strategy, and finish by mapping your full capital stack — vendor accounts, credit cards, lines of credit, equipment financing, and SBA loans — so you know exactly which doors to approach, in what order, and when.
I want to be straight with you about one thing: this is not a fast-money course, and I won't pretend otherwise. Business credit takes time to build, and lenders can tell the difference between a profile that was built right and one that was rushed. But if you follow the system — and commit to the 90-Day Capital Readiness Roadmap — you will have something durable: a business that stands on its own financial identity and can access capital on its own terms. That's worth doing right. And you're in the right place to do exactly that.
— Keith Mcmillian
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- 6 modules, 29 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
- Full access for as long as you're subscribed