General contractor, 7 employees · Atlanta, GA · 6 months
Atlanta Construction Firm Unlocked $84K in Tier 2 and Tier 3 Credit
After establishing PAYDEX 80, member added Home Depot Commercial, Lowe's Pro, Amazon Business, and Capital One Spark for $84K combined limit.
Tier 2/3 limits
$0$84,000
Owner personal utilization
64%8%
Challenge
Existing PAYDEX 80 but the team was paying job-site materials on personal cards, throwing off personal utilization mid-job.
Approach
- 01Verified D&B reporting was clean and consistent.
- 02Applied to Home Depot Commercial Net-30, then revolving — approved $25K limit.
- 03Added Lowe's Pro and Amazon Business — combined $34K limits.
- 04Applied to Capital One Spark Cash Plus at month 6 — approved $25K personal-guarantee revolving.
Outcome
$84,000 in business-side credit. Personal card utilization dropped from 64% to 8%; owner's FICO recovered 41 points.
FAQs
Do Tier 3 cards require a personal guarantee?
Usually yes for businesses under $1M revenue. The PG fades from underwriting weight as the business builds independent history and revenue.
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