This 100-page book is packed with everything you need to know about the benefits of incorporating and Nevada corporations and LLCs.

Whether you are considering incorporating a business or forming a Nevada corporation or Nevada LLC, or even if you already have a Nevada corporation, one thing is certain; sooner or later you will need to borrow money. Whether you need to get started, or to develop or expand your business, getting a business loan is not easy – you need to understand the process and what it takes to qualify – the secret is in planning ahead.

Where do you start?
Most small businesses tend to be financed initially by personal savings/assets of the owner – but that becomes difficult to sustain once a certain rate of growth is reached. One advantage of a Nevada corporation is that additional resource is often readily available through the introduction of new shareholders. However, this is a shorter term solution and not everyone is prepared to share control of their enterprise with others.

That's when people find out what a complex issue obtaining a business loan is – far more complicated than personal credit! Financing is a critical part of a small business and almost always a large concern for the owners, yet few know how to set about finding credit or investment solutions to fund their business growth.

Corporate Service Center can help you to build a business credit profile and understand the business loan process. This preparation will improve your chances of being approved significantly.

Our first step is to analyze where you are now – that's exactly what a potential lender will be doing. The Business Credit Analysis identifies where you are today and where to begin with building a business credit profile that will make your application more likely to succeed.

• Are you looking for a business line of credit for working capital or growth, or do you need to lease premises or equipment?
• Do you have 2 years of financials prior to setting up your Nevada corporation or Nevada LLC?
• Can you provide the following requirements for your loan application; business summary, personal profile, loan proposal, business plan, loan repayment plan, supporting documentation?
• Are you equipped to identify the many scams in today's market place that make unrealistic promises about business credit?
• Did you know there is a law that protects you – ECOA factors unrelated to creditworthiness?

• The Importance of Building Business Credit
• What is Business Credit?
• Your Business Credit Profile
• Separate Yourself From Your Business
• Business Credit Builder Service
• Business Credit Agencies
• Business Credit Scores
• Business Credit Reports
• Finding the Best Business Loan or Lease

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The security of having business credit is important for any organization. With Corporate Service Center services, you will be able to have the security you need for your business and its assets. The following are some of the benefits of building good business credit:

• Meet any lending needs
• Extend your cash flow
• Lower your interest rates
• Save valuable time and money
• Improve the credibility of your business

Call Corporate Service Center, Inc., today at 1-866-411-2002 to learn more about how we can help you build your business credit!

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For those of you who do not know exactly what business credit is and why it is important, you are not alone. There are many business owners who share this feeling of uncertainty. Corporate Service Center, Inc., can provide you with what you need to know so that you feel prepared and confident about your business operations. The following are some of the valuable things you will discover about business credit:

• Your rights as a business owner regarding information on your credit reports.
• Who the largest business credit bureaus are.
• The criteria business lenders use.
• Where business credit scores come from and what they mean to your business.
• Which companies grant credit and how to get them to do it for your business.
• Which companies report to business credit bureaus.
• Which credit cards companies do not require personal guarantees.

Call Corporate Service Center, Inc., today at 1-866-411-2002 to learn more about how we can help you build your business credit!

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Learn how to limit the use of your personal guarantee and build business credit (regardless of your personal credit history) just by building a business credit profile. Building a business credit profile allows you to:

• Limit your personal liability
• Protect your personal assets from any business losses
• Eliminate the need for using personal credit
• Purchase vehicles without using personal guarantees
• Access more cash for the business
• Purchase items for business with convenience
• Prepare your business for future lending needs

One of the biggest advantages of having a good business credit profile is saving money. By obtaining a more favorable credit score, you will lower the interest you pay on loans and leases. For example:

Call Corporate Service Center, Inc., today at 1-866-411-2002 to learn more about how we can help you build your business credit!

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Through incorporation, you can separate yourself from your business and protect your personal assets from any business liabilities. While it is possible to build a business credit profile for a sole proprietorship or partnership, you and your family are still personally responsible for all the debts your business may incur. Corporate Service Center, Inc., recommends building your business credit as a Nevada corporation or Nevada limited liability company. When you incorporate, you benefit from:

• Protection of your personal assets
• The ability to raise capital and build credit faster
• Lower tax liabilities
• Limited liability of owners and officers
• 100 percent tax-deductible insurance
• 100 percent medical expense reimbursement
• Stock ownership - which makes it easier to transfer assets
• Greater credibility through a corporate image
• Lowered audit risk

Call Corporate Service Center today at 1-866-411-2002 to learn more about how we can help you separate your personal assets from your business!

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The services provided to business owners by Corporate Service Center, Inc., will assist in building a business credit profile with D&B and Experian that will help you to obtain credit, capital and any other financing your business may need. Our program can help your business:

• Establish a DUNS rating based on company financial's
• Obtain a D&B number
• Find financing and additional credit
• Determine any 'High-Risk' areas
• Work with existing vendors to report to D&B and Experian
• Identify a list of companies that offer products and services on credit, without the need for a personal guarantee or any previous credit history
• Identify companies that will also report their payment experiences to D&B and Experian to help build your business credit profile
• Develop a PAYDEX/Intelliscore of 75 or better, based on payment history with trade references
• Apply for 3-5 new retail business credit cards that do not require a personal guarantee

Corporate Service Center works with you and your company on a weekly basis throughout the credit-building process, and can be completed in only 120 to 180 days. The cost of the Business Credit Builder Service varies depending on your particular situation. Call Corporate Service Center today at 1-866-411-2002 to learn more about how we can help you build your business credit!

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There are two business credit reporting agencies in the United States that lenders and financial institutions rely on for information to grant credit. The two credit agencies are D&B and Experian.

• More than 70 million businesses are registered with D&B.
• The credit profile created by D&B uses information provided by the business owners and vendors of the business. D&B grants a PAYDEX score to businesses based on payment experiences of the business.
• D&B issues a DUNS rating based on the financial statements of the business.
• D&B has a 'High-Risk' status for companies that will destroy a company's ability to obtain credit.

• More than 14 million businesses are registered with Experian.
• The credit profile created by Experian uses information provided by vendors only.
• Experian grants an Intelliscore based on payment experiences.
• Experian is one of the three largest personal credit bureaus.

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The business credit scores with D&B and Experian are what the financial institutions look for in order to determine credit:

• Score ranges from 0 to 100
• 75+ score is good
• Based on payment experiences reported by vendors
• Need 5 trade references who report to D&B

• Score ranges from 0 to 100
• 75+ score is good
• Based on payment experiences reported by vendors
• Need 2 trade references who report to Experian

• Various rating schedules
• Based on employee size and financial statements
• Also takes payment history into account
• Based on payment experiences reported by vendors
  

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The following criteria are used by lenders when determining credit approval, limits and interest rates:

• On-time bill payment history (payment experiences)
• D&B DUNS rating
• D&B PAYDEX score
• Public records information
• Years in business
• Business tax returns
• Type of business
• Number of employees
• Location of business
• Business plan
• Trade references
• Banking references
• Accounts receivable aging reports
• Owner/officer credit score (can be overlooked depending on which lender is being used)
• Loan package - A formal presentation of everything above to present to the lender

The credit reports lenders look at vary from lender to lender. The reports listed below are the most common reports used to determine credit. The scores shown are only a guide and are not set in stone. Every lender varies their requirements based on the amount of funding they have available at any given time.

• D&B PAYDEX Score - Scale of 0-100 - should be 75+ to be in the low to medium risk of default
• D&B DUNS Rating - Varies based on financial statements and size (an ER, 1R or 2R rating only indicates employee size and does not indicate financial rating)
• Payment experiences for business
• Public information records

• Experian Intelliscore - Scale of 0-100 - a score of 75+ will put your business in a low to medium risk of default
• Experian FICO - FICO scores range from 300 to 850. You want a score of 630+ to better your chances of approval.

• All of the above are personal credit reporting agencies
• All issue a FICO or Beacon score

Corporate Service Center can provide you with a complete profile of all your credit scores, including a composite score analyzing several criteria that a lender will look at, and can also help you build and improve your credit scores. Call today at 1-866-411-2002 to learn more about how we can help you with business credit!

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It can be extremely difficult to find someone willing to give your business a loan or lease without the proper credit profile. Before looking for financing, make sure you're prepared to present the offer to a lender. Learn what it takes to obtain the loan or lease your business deserves. Our NCorporate Service Center experts advise that you take the following steps:

• Have a favorable PAYDEX score with D&B.
• Have a favorable Intelliscore with Experian.
• Have a favorable personal credit score (FICO).
• Have a minimum of three trade references.
• Have a good bank reference.
• Do the research on what type of loan or lease you want.

• Find someone with good credit to sign for the loan or lease.
• Determine what business entity you will have when you apply.
• Determine why you need the money.
• Determine how much you need.
• Determine how you will pay it back.

• Prepare a business plan.
• Prepare a marketing plan.
• Have two years' financial statements and tax returns prepared.

Almost any lender will want to see these three things before looking at an application, and they will be crucial to obtaining the loan or lease you want.

• Lenders want the loan request presented in a specific manner.
• Use a professional loan packager, especially with a SBA Loan request.
• The packager will provide the lender with what they want to see and increase your chances of approval.
• The packager will also save you time and money.

Call Corporate Service Center today at 1-866-411-2002 to learn more about how we can help you with packaging and loan.

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Corporate Service Center Incorporated specializes in Nevada corporations, Nevada LLC creation and a compendium of business solutions.

With the ever growing trend in America towards identity theft and frivolous lawsuits you must take steps to protect your personal/business information and assets without delay.

Who is Corporate Service Center?

Proper asset protection strategies are critical to a secure, well-protected future for you, your business, and your family.

• An estimated 35,000 lawsuits are filed in the U.S. every day of the week!
• Identity theft is growing exponentially
• Phishing, pharming and other criminal schemes are becoming rampant

The Risk of Litigation
If you are engaged in any business activity the chances are that sooner or later you will be sued.  The costs of defending a frivolous law suit can easily reach $50,000 to $100,000.  When you are sued, everything you have worked hard to create will be placed in jeopardy. 

Whilst no-one would argue that our legal system should hold people accountable for their acts, this principle is somewhat at odds with what is actually happening in courts around the country today.  The fact is you are more likely to be targeted for a law suit when you are perceived to have assets worth plundering, rather than your degree of fault in any particular matter. 

Historically, targets with attractive 'deep pockets' were the big corporations, banks, insurance institutions and household names - but that is no longer the case.  New targets for litigants are those who have saved for retirement, own a home or rental property, sole proprietors and small business owners.  It is estimated that over thirty million people in the states have mutual funds, savings or own equity their home.

There are over a million lawyers already, with more graduating from law school every year.  Every one of them is on the look out for cases that can earn money and the preponderance of law practices means it is a very competitive market.  Lawyers are coming up with more and more ingenious reasons for filing suit.  Every day in court a plaintiff prevails against a so-called ‘wealthy' defendant – even in cases that appear illogical, irrational and totally devoid of merit – we've all seen examples the net! 

So, that's thirty million people with something to lose versus one million lawyers trying to make a living and an untold number of opportunists trying to make a quick buck.  It is no wonder that between them lawyers file over thirteen million law suits every year.

• Property owners
• Business Owners
• Officers/Directors of publicly traded companies
• Sole Proprietors
• Real Estate Investors

If you fall into any of these categories, or simply have a retirement nest egg - you need to remove any incentive for people to sue you right now!

The Risk of Identity Theft

Thanks to the internet, people can find out all kinds of information about you.  In fact, nowadays access to any individual's private, sensitive personal and financial information is unprecedented.  The World Wide Web makes it easier than ever for criminals to harvest information, so financial privacy in particular is of major concern.  Criminals can find out what you're worth just sitting at their desk – the days of painstaking research, trawling through archives, documents and other written records are a thing of the past.

What's more, if you are the victim of identity theft it can take upwards of a month before a major bank is able to investigate the claim and refund the stolen dollars back into your account.  So you see, asset protection is an absolute necessity – lowering your asset profile and keeping confidential information safely out of criminals' reach is paramount.

It makes sense to keep valuable assets out of your personal name, or from being reported under your social security number or other identifier - but how can you achieve this?

Exemptions, Transactions, Entities & Trusts - there are a number of strategies to consider.  There's no single solution, as individual circumstances will dictate the right combination of activity – however many people have taken advantage of some unique privacy legislation by incorporating themselves or their business in Nevada where the state's sheltering corporate statutes allow the highest level of anonymity possible.

By transferring assets into a trust or to business entities, the assets are no longer held or reported in an individual's name.  Consequently, it is much more difficult for criminals to find or access either the account information or the assets themselves.  What's more, even if the individual's identity is compromised and accounts accessed, the assets held in entities should be unaffected and thus available to keep an individual's affairs afloat until the identify theft matter is resolved.

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You can own and operate a corporation in Nevada and take advantage of asset protection whilst living in any another state. Nevada's corporate statutes, such as minimal reporting and disclosure requirements and stockholders not on public record, make asset protection in Nevada the strongest in the US.

• When incorporating in Nevada you list only the names and addresses of the president, secretary, treasurer, and director(s) with the Secretary of State.  Importantly, a single individual may hold all of these positions concurrently – putting a single person in total control.
• Consequently, if you wish, you can own all the shares in your Nevada Corporation, maintaining complete control of operation, without ever putting your identity into the public domain.  (Most other states put corporate ownership information on record.) 
• Nevada has a closely defined line between personal and corporate assets.  Opportunities to attack the protection of a corporation (the so-called "corporate veil" *) are therefore very limited.  In other states, where some 40% of requests to pierce the corporate veil are upheld, this leads to personal liability for the officers and directors of the corporation.

* "The Corporate Veil" refers to the separation between the individual and the company. It is the most valuable attribute offered by the corporation. Care must be taken to preserve the corporate veil because if it is ‘pierced' the corporation may have no asset protection value whatsoever. Nevada law states clearly that the actions of the corporation are exempt from personal responsibility of the corporation's owner(s) except in cases of fraud or malfeasance.

Information sharing
Nevada is the only state without an agreement to share information with the IRS.  Whilst others exchange information freely about their corporate owners with the IRS, Nevada's legislature has repeated held that they will never enter into any agreement to share any information about corporate ownership.

Corporate Service Center Incorporated can help you to keep your personal and confidential business affairs completely separate - keeping you, and everything you own, protected from unwanted attention.  Learn how you can:

• Isolate your valuable assets from liabilities to the greatest extent allowed by law in order to reduce the your asset profile and thus your attraction to frivolous litigants
• Conduct a lawful "asset freeze" by shifting valuable assets to trusts and/or entities before you have any suits filed against you.
• Maximize the use of exemptions allowed by state and federal legislatures, and other forms of lawful asset protection techniques.

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