1257 Commercial Dr SW

Conyers, GA 30094 USA

(470) 276-6619

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Mon - Fri: 10am - 4pm



Develop Business Credit & Get The Funding You Deserve!


Many of you are currently starting a business and you are likely looking for the capital you need to succeed. Have you tried to apply for a loan or credit card to support your business but got turned down because you didn’t have enough business history, business credit, or your personal credit score was just too low?

It is important to know that if you have no business history, no consistent business profits, or lack established business credit, it is difficult to get business funding from anywhere or anyone.

We have a solution.

A 620 Credit Score gets you into our Business Program, with over $11,000 in Immediate Funding for your business.


We tackle items on your personal credit reports in case you need to become a personal guarantor on any funding before your business profile is complete.

We address your business lender compliance items and identify any missing areas of your business profile that lenders will require for funding approval.

We help you prepare your business to be 100% lender ready and establish business profiles with all 3 business credit reporting agencies.

We help with building your “1-3-5” business credit profile, which consist of one bank loan, at least three business credit cards and five vendor credit cards that report to all 3 business credit bureaus.

We continue to assist with your business credit profile until you are approved for a minimum of $50,000 in collective business funding or lines of credit.*

For $375/mo or less build Business Credit and get over $11,000 in IMMEDIATE funding!

Scroll to the right to view entire table below.

Monthly Payment Immediate Funding Business Credit Builder Personal Credit Education/Restoration $50,000 GUARANTEE LOAN TERM
$375/mo or less*
5 years

* Payment amounts vary based on your credit. Always $375 a month or less. Total amount of loan includes cost of Business Credit Finance Suite, which is deducted from disbursement.

Minimum requirements for this program are as follows:

  • 620 credit score or above

  • $3,400/mo in personal verifiable (1 year with employer if W2).

  • 2 years of 1099 tax returns with $3400/mo if you are a small business owner.

Or, select a one time payment/short term payment plan (without immediate funding)

Scroll to the right to view entire table below.

One Time or Short term Payment Options Immediate Funding Business Credit Builder Personal Credit Education/Restoration $50,000 GUARANTEE LOAN TERM
One payment of $3995
3 payments of $1495
6 payments of $825


Business Credit Finance Suite
Business Credit Restoration
Personal Business Coaching & Advisement
Access to Lending Sources in Specific Tiers
Personal Credit Restoration (mthly for 1 yr)
Experian Smart Business Monitoring data
Personal Debt & Budgeting Software



Gain Access To Your Business Suite Today with IMMEDIATE Start Up Capital!


*3 or 6 month payment plan available with access later


Do You Want to Apply to See if You Can Get Business Funding Today?

Review our funding programs below and lending requirements. Then just pay the $75 non-refundable application fee by clicking APPLY next to the program you’re interested in.

You will be forwarded to a secure webpage to enter your information to see if you qualify for business funding right now. You will receive a response within 48-72 business hours!

Professor Honey offers 8 Funding Categories serving just about every funding need anyone can desire in ALL 50 STATES NATIONWIDE!

** The below program minimums are a general guideline and funding approvals will be based on the health of your personal and or business credit profile. If your credit file has little to no credit, it will be hard to gain an approval. If your credit profile has credit card utilization above 30%, credit line approval will be more challenging. If your debt-to-income ratio is above 50%, all loan programs will be challenging to gain approval. Make these considerations before applying. The loan application fee is non-refundable.
** PLEASE NOTE: Due to uncertain economic climate during the COVID-19 pandemic, the requirements presented below may be adjusted at anytime due to stricter lender requirements. If you have poor credit or little to no business revenue, consider one of our other programs prior to applying.

Scroll to the right to view entire table below.

Immediate Business Funding for Business Credit Clients
Funding can be used for any purpose. Total amount of loan includes cost of Business Credit Finance Suite, which is deducted from disbursement. 40k and 1 year of verifiable income for W2 employees. 40k and 2 years of tax returns for 1099 Applicants.
up to $25,000
STARTUP Unsecured Business Funding
Funding can be used for ANY PURPOSE. No income verification required and no industry restrictions. Revolving line of credit. Must have at least $2k in revolving credit currently and less than 30% utilization.
700 +
up to $150,000
STARTUP Small Business Loan
Unsecured personal loan. 3 - 7 year terms available. Must have w2 verifiable income. You will have DIRECT access to cash for business purposes.
700 +
$4,000/mo in personal income min.
up to $150,000
Business Cash Advance
If you accept credit cards or have regular bank deposits, you can get funding advanced to you for up to 200% (twice) of the amount of your monthly deposits.
no minimum credit score
6 months
$10,000/mo minimum
up to $10 Million
Business Term Loans
All types of loans, including SBA Express, 7(A), Equipment Financing, Franchise Loans, Purchase Order Loans, Real Estate backed loans and even more...
620 +
6 months
$20,000/mo minimum
up to $5 Million
Business Line of Credit
Money available to "draw" against that's deposited into your bank account. Repayment plan based on what you borrow. Access to balance.
620 +
6 months
$20,000/mo minimum
up to $250,000
Invoice Factoring
Sell your accounts receivable to a lender at a discount, which the lender in turn provides an advance on payments for outstanding invoices.
530 +
3 months
$40,000/mo minimum
up to $5 Million
Real Estate Investment/ Commercial Mortgage Loans
Commercial mortgages, fix-and-flip, new construction, mortgage refinance, and multi-family units. LTV up to 90%. Qualifications vary per deal.
depends none up to 600 minimum score
investor experience helps
up to $100 Million

* If you are close to the above requirements, some exceptions can be made. All funding types accept co-signers.


Just like how consumer credit is linked to your SSN, your business credit is linked to your EIN. This means when applying for business credit, it’s usually not required to include your SSN.

Once you properly establish your business entity and credibility, you start off building your business credit profile with smaller vendor accounts.

As your business pays those retailers you will then qualify for revolving store credit cards, and then cash credit you can use anywhere, just like a normal personal credit card.

You can qualify for real usable vendor credit immediately. You’ll then start to qualify for store credit within 60 days that doesn’t require a personal credit check or personal guarantee. Within 6 months you should have access to $50,000 +++ in real usable credit, including Visa and MasterCard cash accounts. You can then continue to build $100,000-$250,000 or higher in business credit within a year to two. And with Professor Honey’s Business Credit Finance Suite you (and your clients*) can also gain access to other cash funding programs within a couple of months or less.

The Business Credit Finance Suite includes the Business Credit Builder Program which is an online platform specifically engineered to walk you through a customized step-by-step process on how to build your business credit – from start to finish. In other words, this program is tailored to YOUR specific situation, which makes your process to getting funds very simple and intuitive.

As you go through the program, you’ll be able to know in real-time, which lending and credit sources you’re pre-qualified or pre-approved for so you have the confidence that you’ll be approved before you even apply!

In addition, you’ll have concierge service from our business credit advisers and finance officers to assist you at any given stage. Between our revolutionary online platform and our LIVE expert team at your fingertips, you’re guaranteed to get results – as long as you actually use the program.

When our company first started, there was not a lot of information on the topic of obtaining Business Credit, especially not one that’s not linked to an SSN. Over the years, we have fine-tuned and upgraded our instructions and the Finance Suite so that it is as easy to follow as possible.

Every step of  The Business Credit Finance Suite includes simple education videos and direct resource links so that your business credit building journey is a ‘no-brainer’. In the rare occasions that you need help, you have our business credit advisers and finance officers to help!

So as long as you’re committed to follow our instructions and are serious about the success of your business, then yes, you really can do this — even if you’re technically challenged. With that being said, it’s important to understand that we do NOT build your business credit FOR you. We help you through simple step-by-step instructions and education. Essentially, follow our instructions and get results.

Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you setup basic utilities.

From that point most credit you apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application.

Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee.

Every highly-successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it… if you follow the right steps.

The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards, before you apply. Next you get real useable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies.

Within 60 days or less that credit is reported to Experian, Equifax, or Dun & Bradstreet. Once reported, your EIN will then have an established credit report and score.

Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval.

You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.

This is the only system in the world which successfully combines both business credit building and funding. This means clients can build their business credit and get money right away, if they have good credit or collateral they can secure money in less than 30 days.

The suite is also the only system that shows business owners how to get free access to Experian Smart Business, and we help you get your D-U-N-S number with D&B, and list your phone number with 411 for free. This alone saves you thousands.

The finance suite has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system on the market today. And the finance suite is the only system with one-click access to business credibility sources, underwriting guidelines provided for all business credit sources, and by far is the most advanced business credit building technology available today.

Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the finance suite by building their business credit.

If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with business credit.

Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue.

And we have revenue-based funding programs where if a business owner can prove through bank statements that they have consistent revenue, they can be approved with a credit score as low as 500.

There is no formal process of fixing business credit as there is no FCRA or FACTA laws that deal with business credit reporting. Still, our advisors will help business owners dispute any discrepancies on their business report as part of the program, and they’ll have access to a section where they can go through the business credit dispute process. We even have a step dedicated to fixing errors on business credit reports as part of Professor Honey’s Business Credit Finance Suite. But the main function of the finance suite is to help you and your customers build business credit, as well as get money.