Build Credit in Your Business’s Name — and Access Capital Faster Than You Think

The Spartan Café Business Credit Builder

You’ve pushed your business forward with sacrifice—personal credit cards, borrowed cash, and sheer willpower. But relying on your personal credit to fund a company is a dead end. It ties your dream to your personal assets, your family’s security, and your own financial reputation.

That ends today.

With the Business Credit Builder inside Spartan Café, you take a completely different path—one where your company earns its own financial credibility and qualifies for real funding.

FICO vs. PAYDEX: The Two Systems That Decide Your Future

Everyone knows their FICO score—but few entrepreneurs realize that their business is judged by an entirely different set of rules:

• PAYDEX Score (Dun & Bradstreet): Reflects how quickly your business pays its bills. A score of 80+ signals reliability, opening doors to vendor credit and supplier trust.

• FICO SBSS (Small Business Scoring Service): The hidden number banks use to approve or deny loans. Ranging from 0–300, with 140 as the typical SBA loan cutoff, this score often determines if you’re seen as fundable.

Here’s the catch: most entrepreneurs never even hear about PAYDEX or SBSS until it’s too late. That’s why they get denied—even with perfect personal credit.

Inside Spartan Café, you’ll learn how to strategically build both scores, stacking the deck in your favor.

How Fast Does It Work?

This isn’t a years-long struggle. Members typically start seeing results almost immediately:

• Many begin establishing business credit within the first week.

• With the right steps, funding approvals ranging from $50,000 to $250,000 often arrive within 1 to 4 months, depending on their starting point.

• Credit grows in layers: vendor accounts, business credit cards, revolving lines, and loans—each building your company’s independent profile.

• Your personal FICO remains untouched—your business finally stands on its own.

You’re Never Alone — Meet Avery, Your AI Credit Coach

Every step of the way, you’ll have access to Avery — your personal AI Business Credit Builder Coach and Consultant.

Whenever you hit a roadblock, need clarification, or want to know exactly what to do next, Avery is there—24/7.

Meet Avery here and experience real-time guidance, personalized strategies, and answers tailored to your situation.

It’s like having a business credit expert in your pocket at all times.

Why This Matters

When your business earns its own credibility:

• Vendors extend higher limits and better terms.

• Banks view your company as fundable, not risky.

• Investors take you seriously—your company has financial independence.

• Growth is no longer tied to your personal paycheck.

This isn’t theory—it’s a proven pathway. Entrepreneurs across industries are moving from underfunded to fully capitalized in just a few months, and Spartan Café gives you both the roadmap and the coach to get there.

Your business deserves to thrive without risking everything you own. The Business Credit Builder inside Spartan Café makes that possible. Start today and let Avery guide you every step of the way.