🚀 How to Access $250,000 in EIN‑Only Unsecured Business Credit & 0% APR Funding
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Are you a business owner ready to scale—but want to protect your personal credit? Learn how to access up to $250,000 in unsecured business credit, including corporate credit cards and lines of credit ($50K–$100K), using EIN-only funding with no personal guarantee (PG) and 0% interest for up to 18 months.
✅ What Is EIN‑Only Business Credit?
EIN-only funding allows you to apply for business credit using your Employer Identification Number (EIN) instead of your Social Security Number (SSN). That means:
No personal credit check
No personal guarantee (PG)
Your business builds its own credit profile
🔗 Apply for an EIN from the IRS
🔗 Can You Get a Business Credit Card with an EIN Only?
💳 EIN‑Only Corporate Credit Cards With 0% Interest (12–18 Months)
Below are top EIN-only corporate credit card issuers offering 0% APR, cashback, and high spending limits:
1. Divvy (by BILL)
No PG or SSN required
7x points on dining, 5x on hotels
Expense management tools
2. Ramp Corporate Card
1.5% unlimited cash back
No interest, no fees
Requires $75K in the bank
3. Brex Card
No PG
Up to 30x rewards
Built for startups with VC backing or strong revenue
4. Rho Corporate Card
No fees, no PG
Integrates with banking and accounting
5. Nav Prime Card
EIN-only
Reports to major bureaus
Designed for building early business credit
6. FairFigure Capital Card
No personal guarantee
EIN-only financing options
💵 EIN‑Only Business Lines of Credit ($50K–$100K+)
Pair corporate cards with 0% interest lines of credit to increase your available cash:
Fundbox - LOC from $5,000 to $150,000
Soft credit pull; EIN funding possible
BlueVine - LOC with up to $250,000
Fast approval and flexible terms
OnDeck - Short-term loans and lines
No collateral required
Lendio -Marketplace of lenders
Custom funding based on business profile
📈 Benefits of EIN‑Only Funding
No Personal Risk
No hard inquiries or damage to your personal FICO score
Builds Business Credit
Reports to bureaus like Dun & Bradstreet, Experian Business, and Equifax Business
Access to Large Limits
$50K–$250K in corporate credit available through Ramp, Divvy, Brex
0% APR
Use funds interest-free for 12–18 months
Separate Finances
Keeps business and personal liability totally independent
Fast Access
Most corporate cards fund in under 72 hours
🧱 What You Need to Qualify
You typically need:
A registered LLC or Corporation
A valid EIN from the IRS
A business checking account (Chase Business Banking, Bank of America, or Mercury)
A basic business credit profile with Nav
Vendor accounts/tradelines reporting to bureaus
🔗 Starter Vendor Accounts to Build Business Credit
Start building tradelines with Net-30 accounts that report to credit bureaus:
Uline
Quill
Grainger
Summa Office Supplies
Shirtsy
These vendors help you establish a strong D-U-N-S number with Dun & Bradstreet.
🔁 Step-by-Step: How to Get $250K in EIN‑Only Business Credit
✅ Form an LLC or Corporation
✅ Apply for an EIN
✅ Open a Business Bank Account
✅ Set up Vendor Tradelines
✅ Monitor with Nav or Experian
💬 Real User Experiences
“Divvy was the first card I got that didn’t ask for a PG or SSN. All I needed was my EIN, business bank account, and website. Funded in 2 days.” — Reddit user via smallbusiness
“Ramp approved my $60K card with no personal guarantee once I had $50K+ in the bank for 3 months straight.” — Startup Founder, via Brex vs. Ramp comparison.
📚 More EIN‑Only Business Credit Resources
Digital Honey – Best EIN-Only Business Cards
NerdWallet – EIN vs SSN Cards
Merchant Maverick – EIN-Only Cards Explained
Bankrate – EIN-only Card Requirements
Investopedia – How Business Credit Affects You
🎯 Final Thoughts
With EIN-only funding, you can:
Access $250K+ in corporate credit and cash
Take advantage of 0% APR for up to 18 months
Build strong, standalone business credit
Avoid risking your personal credit or SSN
Whether you’re a startup, e-commerce business, or professional services firm — this is one of the smartest, safest ways to grow using real leverage.
📞 Need help getting started? Contact our funding specialists at (866) 773-6552 or visit 👉 Crevonna | Business Credit for quick funding options.