Priya's catering company was growing, but her personal credit carried high utilization from startup costs, and her business had no credit identity of its own. Lenders saw risk everywhere and offered only merchant advances at steep cost.

We attacked utilization with a staged payoff plan, established her business credit profile with reporting vendor accounts, and kept her personal file dispute-clean while the new tradelines seasoned.

Six months later she secured a proper business line of credit at bank rates, separated her personal and business finances, and now funds growth without touching her personal cards.