Sumlin Media Group presents
Business
Credit Works
Fund it. Leverage it. Scale it. Learn it.
Funding first. Apply for lending, leverage business credit, then build the skills to keep growing. Choose the step that fits where your business is today, or talk with our team.
Programs
Choose your path.
Fund it
Lending and loans
One application. Multiple funding pathways: SBA loans, lines of credit, working capital, equipment financing and more. Checking your options won't affect your credit.
Free to apply
Leverage it
Business Credit PowerPlay
Business credit card funding. Explore 0% intro APR options, preserve your cash flow and strengthen your business credit profile.
Up to $150K
Scale it
Funding Readiness Program
The Business Credit & Funding Readiness Program. Stop guessing, start qualifying and get fundable, with six parts covering your credit profile, funding readiness, lender matching and more.
$3,597
Learn it
BCW University
"Master Your Business Credit." Self-paced online course with 20 video modules, a workbook for each, a certificate and community access.
$97
Build it
Workshops and education
- Fundable AF
- From Broke to Bankable
Two-hour, hands-on workshops. Bring your laptop. $97 single or $170 partner enrollment.
$97
Let's talk
Talk with Darryl or our team
Have questions or not sure which program is right for you? Book a call with Darryl or a team representative and get a clear next step.
Free call
Business Credit Card Funding Program
Business Credit PowerPlayTM
Leverage Credit. Preserve Cash. Build Wealth.
Stop using your cash to grow your business!
Your business needs capital to grow. Business Credit PowerPlay helps business owners explore funding opportunities while preserving their cash flow.
Why use your cash when you can leverage business credit?
Whether you're launching a business, expanding operations, purchasing equipment, or investing in marketing, Business Credit PowerPlay can help you explore your funding options.
What you get
Up to $150,000
in potential business credit card funding
- Access up to $150,000 in potential business credit card funding.
- Explore 0% introductory APR funding options.
- Build and strengthen your business credit profile.
- Preserve cash flow while growing your business.
- Receive guidance on positioning your business for funding.
Ready to get funded?
Prefer social? DM "FUNDING" to @businesscreditworks.
Funding is subject to creditworthiness, lender approval, and eligibility. Promotional APR terms and funding amounts vary.
Lendavo, powered by Credit Suite: AI capital intelligence.
Scale it
Business Credit & Funding Readiness Program
Stop guessing. Start qualifying. Get fundable.
For business owners who are done being underfunded, overcharged, and overexposed.
$3,597 One-time program investment
Secure checkout by Stripe. Pay over time and financing options below.
Ways to pay
Pay in full
Any major card, through secure Stripe checkout.
Pay over time
Choose Affirm or Klarna at checkout and split it into payments.
In-house financing
Up to $100,000 through FlexxBuy. Checking your rate won't affect your credit score.
Apply with FlexxBuyPay over time and financing are subject to approval.
Your business has an EIN. It's time to build its own financial identity.
You started your business to create financial freedom, not to put your personal credit, savings, and financial future at risk. Yet too many entrepreneurs are struggling with funding denials, high-interest loans, limited credit access, and lenders who don't understand their businesses.
The Business Credit & Funding Readiness Program is designed to help you stop guessing, understand your financial position, identify funding opportunities, and build a business that can stand on its own.
It's time to divorce yourself from your business financially and become FUNDABLE AF!
Sound familiar?
- Constant Funding Denials: You keep applying for financing without knowing why lenders are saying no.
- Personal Credit Dependence: You're using personal credit cards, savings, and guarantees to keep your business operating.
- High Interest Rates: You're paying more for capital because your business isn't positioned to qualify for better financing.
- Low Credit Limits: Your available credit doesn't match your company's actual growth potential.
- No Business Credit Profile: Your company has an EIN but hasn't established a strong independent credit identity.
- Lack of Funding Knowledge: You don't know which lenders, loan products, or financing options fit your business.
- Cash Flow Challenges: You're struggling to cover payroll, inventory, equipment, or expansion expenses.
- Too Many Applications: You're applying for funding without understanding eligibility requirements.
- Limited Financial Visibility: You don't have a clear picture of your business's creditworthiness or funding readiness.
The problem isn't always that your business can't qualify for funding. Sometimes, it's that you don't know what lenders are looking for or how to prepare.
What's included
1
Business Credit Profile & Analysis
- Business credit profile review
- Business credit-building guidance
- Creditworthiness assessment
- Identification of credit profile weaknesses
- Business credibility and compliance review
2
Funding Readiness Assessment
- Business funding readiness evaluation
- Review of key lender qualification factors
- Identification of potential financing obstacles
- Recommendations for improving funding eligibility
- Personalized funding preparation roadmap
3
Lender Matching & Capital Opportunities
- Explore potential lender matches
- Identify business financing options based on qualifications
- Review potential opportunities for working capital
- Explore business lines of credit and term loans
- Evaluate equipment financing and expansion funding options
4
Business Credit Building System
- Guidance on establishing business credit using your EIN
- Vendor and trade credit education
- Business credit profile development
- Credit-building strategies and milestones
- Long-term business credit growth planning
5
Financial Intelligence & Business Planning
- Business financial health assessment
- Cash flow and financial readiness insights
- Revenue and expense evaluation
- Business funding strategy development
- Financial planning resources
6
Business Funding Education & Guidance
- Understanding lender requirements
- Business credit education and financial literacy
- Guidance on financing application preparation
- Understanding personal guarantees and financing risks
- Strategies for building a more fundable company
What it means for you
- Stronger Business Credit
- Build a credit identity separate from your personal finances.
- Better Funding Preparation
- Understand potential lender requirements before applying.
- Smarter Capital Decisions
- Explore financing options that align with your business.
- Reduced Personal Credit Dependence
- Work toward business financing that may require less personal exposure.
- Greater Financial Confidence
- Know where your business stands and what to improve.
- Improved Business Credibility
- Strengthen the financial foundation lenders and vendors evaluate.
- Long-Term Growth Strategy
- Prepare your company for future financing and expansion.
- Time & Money Savings
- Reduce guesswork and avoid pursuing clearly unsuitable funding options.
Who it's for
- Startups & New Entrepreneurs: Establish business credit and prepare for future funding.
- Small Business Owners: Build a stronger financial foundation and reduce reliance on personal credit.
- Established Businesses: Explore additional capital for growth, staffing, and expansion.
- Previously Denied Applicants: Identify potential reasons for funding denials and develop a strategy to improve.
- Business Owners With High-Interest Debt: Evaluate opportunities for more suitable financing.
- Real Estate Investors: Strengthen business credit and explore financing strategies.
- Nonprofits & Community Organizations: Improve financial readiness and evaluate eligible funding opportunities.
- Entrepreneurs Ready to Scale: Prepare for larger financing needs and long-term business growth.
Your investment
$3,597
Your investment is designed to provide the resources, education, financial insights, and funding preparation tools needed to move your business toward greater financial independence.
Stop guessing. Stop applying blindly. Become FUNDABLE AF!
Secure checkout by Stripe. Pay over time and financing options below.
Program assessments, matching, and educational tools support funding preparation but do not guarantee financing. Lender approvals, rates, credit limits, and personal guarantee requirements vary. Specific platform features and support services are subject to the purchased program package.
Workshops
Learn it live.
Two-hour, hands-on workshops with Darryl Johnson. Bring a laptop and work on your own business as you go. Start with Fundable AF, then get to work in From Broke to Bankable.
Ways to pay
Pay in full
Any major card, through secure Stripe checkout.
Pay over time
Choose Affirm or Klarna at checkout and split it into payments.
In-house financing
Up to $100,000 through FlexxBuy. Checking your rate won't affect your credit score.
Apply with FlexxBuyPay over time and financing are subject to approval.
Introductory workshop
Fundable AF
Divorce yourself from your business and become FUNDABLE AF!
- 2 hours. Interactive, hands-on financial education
- Your laptop. Come ready to learn!
Your business needs its own credit identity. It's time to stop putting your personal credit on the line!
Secure checkout by Stripe. We'll email you the date, time and location.
Bring your business partner, spouse, or fellow entrepreneur and start learning together!
Full workshop details
Many entrepreneurs start businesses without understanding the importance of establishing a separate business credit identity. As a result, they rely heavily on personal credit cards, personal guarantees, and personal finances to fund their businesses.
Fundable AF is the introductory workshop from Business Credit Works designed to educate entrepreneurs, startups, nonprofits, and small business owners on the importance, benefits, and power of business credit. It introduces how business credit works, why it matters, and how establishing credit under your business EIN can help create opportunities for growth, financial stability, and access to capital.
What you will learn
- Why Business Credit Matters: Understand why every business should establish its own credit identity.
- Divorce Yourself From Your Business: Learn the importance of separating personal and business finances to reduce personal financial exposure.
- The Power of Your EIN: Discover how your EIN can help establish a business credit profile separate from your Social Security number.
- Personal Credit vs. Business Credit: Understand the differences and why both matter.
- Benefits of Business Credit: Explore how business credit can support purchasing power, cash flow, credibility, and growth.
- Protecting Your Personal Credit: Learn why relying solely on personal credit to finance a business can create unnecessary financial risk.
- Building Business Credibility: Understand what makes a business appear legitimate, established, and financially prepared.
- How Business Credit Opens Doors: Explore opportunities for vendor accounts, business credit cards, lines of credit, and business financing.
- What Lenders Look For: Get introduced to how lenders evaluate businesses for credit and funding.
- Your Next Steps: Learn where to begin your business credit journey and how to position your company for future financial opportunities.
Who should attend
- New and established business owners
- Entrepreneurs planning to start a business
- Startups and growing companies
- Nonprofit founders and executives
- Business owners relying on personal credit to finance operations
- Entrepreneurs who want to protect their personal financial resources
- Anyone who wants to understand the benefits of building business credit
No previous business credit experience is required!
Who this workshop is not for
- Individuals expecting guaranteed loan approvals
- Anyone looking for instant funding or free money
- Individuals seeking personal credit repair services
- Those unwilling to learn the fundamentals of business credit
Stop being your business's personal bank! We don't just teach you how to get funding. We teach you why business credit matters and how to become FUNDABLE AF!
Hands-on workshop
From Broke to Bankable
Build your business credit. Strengthen your business. Unlock funding opportunities.
- 2 hours. Interactive, hands-on training
- Your laptop. Come ready to work!
This is not just a workshop where you sit and listen. You will be working on your own business in real time!
Secure checkout by Stripe. We'll email you the date, time and location.
Both options include the full two-hour, hands-on workshop and guidance in developing a Business Credit Action Plan.
Full workshop details
From Broke to Bankable is an intensive, two-hour, hands-on business credit workshop designed to help entrepreneurs, startups, and established business owners take actionable steps toward establishing, building, and improving their business credit scores.
Bring your laptop to follow along, review your business credit profiles, research lender requirements, and begin developing your business credit and funding strategies. The goal is to help business owners establish credit under their company's EIN, reduce reliance on personal credit, and position their businesses for funding opportunities.
What you will learn
- Business Credit vs. Personal Credit: Understand the differences and why separating the two matters.
- Establishing Business Credit: Learn how to begin building a credit profile using your EIN.
- Business Credit Scores: Explore Dun & Bradstreet PAYDEX, Experian Business, Equifax Business, and FICO SBSS.
- Building Your Business Credit Profile: Understand vendor accounts, trade lines, payment history, and credit reporting.
- Business Credibility: Learn what makes your business appear legitimate and fundable to lenders.
- Understanding Lender Requirements: Discover how banks evaluate credit scores, revenue, time in business, and financial stability.
- Funding Opportunities: Explore business credit cards, lines of credit, business loans, and alternative financing.
- Your Business Credit Action Plan: Identify your next steps toward becoming bankable.
Hands-on activities
- Researching your existing business credit profiles
- Identifying missing or incomplete business information
- Reviewing your business structure and funding readiness
- Exploring business credit reporting agencies
- Identifying opportunities to establish or strengthen business credit
- Creating a personalized Business Credit Action Plan
Some activities may require account registration or access to existing business information.
Who should attend
- New and existing business owners
- Entrepreneurs preparing to apply for funding
- Business owners with limited or no business credit
- Startups looking to establish business credibility
- Entrepreneurs seeking to separate business and personal finances
- Nonprofit leaders and community organizations
What to bring
- Your laptop and charger
- Your business EIN and basic business information
- Access to your business email
- Any existing business credit information
- A willingness to learn and take action!
Workshop outcome
By the end of this two-hour workshop, you will understand how business credit scores work, have identified steps to strengthen your business credit profile, and have a practical roadmap for becoming more fundable.
2 hours. Hands-on. Real strategies. Real action. Bring your laptop. Bring your business. Let's get bankable!
Junior Broker Program: coming soon.
Compare
At a glance.
| Detail | Lending and loans | PowerPlay | Funding Readiness | BCW University | Workshops |
|---|---|---|---|---|---|
| Best for | Businesses ready to apply for funding now | Owners who want to grow without spending their cash | Owners who want a guided path to funding readiness | Owners who want to understand business credit on their own time | Hands-on learners who want guided, live training |
| Format | Prequalification form, then a call | Short application, then a call with our team | Six-part program: credit analysis, readiness assessment, lender matching and more | Online, self-paced | 2-hour live workshops (bring a laptop) |
| What you get | One application, multiple funding pathways | Up to $150,000 in potential business credit card funding, 0% intro APR options | Business Credit & Funding Readiness Program | 20 video modules, workbooks, certificate | Fundable AF and From Broke to Bankable |
| Price | Free to apply | Free to apply | $3,597 | $97 one time | $97 per person, $170 with a partner |
Meet your guide
Darryl Johnson
Founder, Business Credit Works · Author · Partner, Sumlin Media Group
Darryl Johnson is an entrepreneur, financial educator, author, and nonprofit executive with more than 20 years of experience in banking, real estate, mortgage lending, and business development. Originally from Kansas City, Missouri, Darryl has dedicated his career to advancing financial literacy, entrepreneurship, access to capital, and economic empowerment.
In 2017, Darryl founded Business Credit Works, a formerly DBE- and MBE-certified company focused on teaching entrepreneurs how to financially "divorce themselves from their businesses" by establishing separate business credit profiles under their EINs. His mission is to help business owners reduce personal financial exposure, strengthen their creditworthiness, and expand access to capital. He is also the author of Business Credit Works.
Across his entrepreneurial ventures, nonprofit leadership, and community partnerships, Darryl remains committed to one mission: helping individuals and communities move from financial dependence to financial independence, from borrowing to ownership, and from economic participation to generational wealth.
Connect on LinkedInCommunity partners
Working together.
Founded by Shantoya Nicole · Led by Darryl Johnson, Executive Director
Brighter View Foundation
An Arizona DES/DDD Qualified Vendor supporting individuals with intellectual and developmental disabilities, caregivers and underserved families through vocational rehabilitation, employment services, adult day programs, and its Direct Care Worker and CPR/First Aid Training Centers.
Founder, Brighter View Foundation · Consulting partner
Shantoya Nicole
Keynote speaker, executive leadership coach, and business and nonprofit strategist based in Glendale, Arizona.
Let's talk.
Questions, or not sure which program is right for you? Book an appointment with Darryl or a team representative. It's the fastest way to get answers and a clear next step.
Calendar not loading? Open Darryl's booking page
Follow Business Credit Works
Helping Business Owners Become Bankable.
Tips, funding news and workshop dates. DM "FUNDING" on any channel to get started.
Business Credit Works is a Sumlin Media Group program. Courses and workshops are educational. Funding prequalification is not a loan commitment or credit decision, and approval, rates and terms are set by lenders. Results vary.