Manage My Business Credit

  • CreditBuilder™: Add good payment history to impact your D&B® scores
  • CreditMonitor™: Monitor your credit file in real time with detailed info about changes to your D&B scores
  • CreditSignal®: Receive free alerts to changes in your D&B business credit file

Manage My Business Credit For Me

Monitor Another Company's Credit

Not sure which product is right for your business?

Our Credit Advisors are standing by

to assess your needs and help point
you in the right direction.

Call Today Call 800-700-2733

Ask about our Concierge service.

Business Directory

Business Services

  • VERIFIED™: Get your business data VERIFIED™ to help protect your business identity online
  • Business Shield: Helps protect your company by alerting you to potential warning signs of business identity theft
Help manage your
business identity and

Let us distribute your VERIFIED
to up to 90% of US
consumers searching online.

Call Today Call Today! 800-700-2733

Sign up for FREE today!
Help protect your business identity against inaccuracies and business misrepresentation online and across social media properties
Get it now text

Enterprise Solutions

If your company is looking for a custom enterprise data solution, contact us at
1-800-264-0947 or
Lead Advisor
Better Data, Better Results
Whether you're a list professional or a first-time marketer, our lead experts will work with you to help you target, segment, and select the list most likely to work for you. Learn More.
Call today 1-855-455-8039

Free D-U-N-S Services

Expedited D-U-N-S Services

  • Small Business Starter™: Promote your business online and get an expedited D-U-N-S and business credit file
  • DUNSFile™: Get a D-U-N-S and basic business credit file in 5 business days or less
Company Update
Update your company info today. It's free!
Review and update your existing D&B® credit report, dispute inaccuracies, add financial statements, and review public filings.

Don't have a D&B report? Get your FREE
D&B D-U-N-S now.
Get Started

Where to Borrow When the Bank Says No

borrowing moneyAfter pursuing all of the bootstrapping options, what if you decide you really do need more money than you can self-generate?

In that case, you have a couple of options. You can borrow money, or you can sell off part of the potential equity. The most common place to look for money is the bank. But, in today’s tough lending environment, especially when so many people have had their credit scores decimated by business and real estate downturns, a bank loan can be hard to come by.

Friends and Family

The challenge with borrowing from friends and family is that it becomes doubly important that you pay it back, on time (or earlier). The loan can also create tension in an otherwise good relationship. You may get some negative reaction from other family members if you approach an elderly, wealthier family member.

If you do decide to pursue that route for financing, here are three guidelines to follow:

Friends & Family Rule #1: Even though you already have an informal relationship, keep the business angle very formal. Present a full business plan, along with past financial statements, and future projections.

Friends & Family Rule #2:  Use a fair interest rate. This isn’t the low prime rate or a government-subsidized loan. There is a risk associated with the investment, and the interest rate should be higher to recognize that risk.

Friends & Family Rule #3: If you are borrowing a larger amount, it’s common practice to offer your lender a small equity position in your company. There’s no exception if you get your loan from friends and family.

High Interest Lenders

There are companies that will make you loans based on your existing cash flow. Expect to pay a lot for these kinds of loans, because they’re taking a big risk. It’s not uncommon to pay 20% or more.

You can also get a loan against your credit card receipts. That’s another very expensive form of loan. The interest rate is high, and the merchant service company will take their portion right off the top.

Finally, there are angel investors. These are high net-worth individuals who invest in a company at an early stage. They take equity positions in the company, and are often the next step after friends and family financing has been exhausted. Sometimes the most important asset an angel investor can bring to your business isn’t the money, as much as it is their contacts and resources.

Think carefully before you borrow money. If that really is the next best step for you, there are options, even if the bank says no.



Diane Kennedy, CPA US Tax Aid. Diane Kennedy, CPA helps business owners legally pay less tax. She’s the New York Times best-selling author of “Loopholes of the Rich,” “Real Estate Loopholes,” and 7 other best-selling financial and tax books. She’s also a business owner and real estate investor. Her motto is “It’s Your Money. Keep More Of It.”