Credit Starter — $79: Credibility checklist, DUNS setup guidance, starter vendor roadmap, credit monitoring setup, education email series.
Credit Builder — $297 (Most Popular): Everything in Starter, plus profile review, full tradeline guidance, automated education flow, fundability checklist, progress tracker.
Credit Elite — $997: Everything in Builder, plus 1-on-1 strategy session, deep profile prep, priority support, personal introduction to the Legacy Capital Funding broker team, 60-day check-ins.
Important Disclaimer: FormationDesk provides business credit education, fundability guidance, and profile setup support. We do not guarantee funding approvals, credit score improvements, or specific financial outcomes. All credit decisions are made by third-party lenders. Results vary based on individual business circumstances.
Most businesses never access real capital — not because they aren't profitable, but because they aren't fundable. FormationDesk's Business Credit Builder helps you fix that with a structured, step-by-step system.
It's not your revenue. It's not your idea. It's your business profile — and most owners don't know what lenders actually see.
You're using personal credit for everything. Lenders see this as high risk — not a real business.
No D-U-N-S number, unverified business address, no dedicated business phone. Lenders check all of this.
Business credit requires accounts that report to Dun & Bradstreet. Most owners don't have a single one.
Each denied application damages your profile further. Timing and preparation are everything.
FormationDesk doesn't just give you information. We walk you through a proven framework — step by step — so your business becomes structured, credible, and eventually funding-ready.
Entity verification, EIN, DUNS registration, business address, phone, and email — all set up correctly from the start.
Track your progress and understand your profile before any lender does. See what they see — early.
Build your D&B file with starter vendor accounts that report — the exact accounts most business owners miss.
A structured review of your profile, trade lines, and readiness before you apply anywhere for capital.
When your profile is strong, we introduce you to our funding brokerage — Legacy Capital Funding — for real capital options.
Before lenders approve funding, they review your credit profile. We recommend activating credit monitoring so you can track your progress, identify issues early, and build with confidence — seeing what lenders see before you apply.
Monitor your credit scores and identity across all three bureaus. Track your business credit profile growth in real time.
Check My Credit Profile →View your actual FICO scores — the same scores most lenders use — and track your progress as you build your business credit.
View My FICO Scores →FormationDesk may receive compensation from third-party partners, including IdentityIQ and MyScoreIQ. Credit monitoring is optional and not required to participate in this program. We recommend these tools because we believe they support your growth — not as a requirement for enrollment.
Six milestones. Clear guidance at every step. No guessing, no generic advice.
Select your tier and complete your intake form.
Set up credit monitoring through our recommended tools.
DUNS, EIN verification, business credibility setup.
Start with reporting vendor tradelines the right way.
Review your profile, address gaps, optimize your score.
Receive your readiness milestone and transition path.
Every tier gives you a structured path. Choose the level of support that fits where you are right now.
Everything you need to get your business credit foundation in place — self-guided with full roadmap access.
A guided system with hands-on direction, profile review, and automated milestone tracking built in.
Full done-with-you support, deep profile preparation, and a direct introduction path to Legacy Capital Funding when you're ready.
Real results from business owners who followed the system.
"I had no idea what DUNS was before this program. FormationDesk walked me through every step clearly. Now my business profile actually looks credible."
"The credit monitoring piece was the game-changer for me. I could actually see my progress and know where I stood before ever talking to a lender."
"The Elite program was worth every dollar. Getting connected to Legacy Capital when I was actually ready made all the difference. No wasted applications."
We believe in clarity. Here are honest answers to the questions we hear most.
No — and we never will. FormationDesk provides education, tools, and structured guidance to help your business become more fundable. Funding decisions are always made by third-party lenders based on their own criteria. What we do is help you put your best foot forward.
Credit monitoring through IdentityIQ or MyScoreIQ is optional. We recommend it because it helps you track your profile, spot errors early, and understand what lenders see. But it is not a requirement to participate in this program. FormationDesk may receive compensation as an affiliate if you choose to enroll.
Building business credit takes time — typically 3 to 6 months to establish a meaningful D&B profile with reporting tradelines. The foundation steps can be completed in the first 30 days. The Elite tier includes 60 days of milestone check-ins to keep you on track.
FormationDesk is an education and setup platform — we help you build the business infrastructure and credit profile. Legacy Capital Funding LLC is a separate brokerage entity that connects funding-ready businesses with lenders. We do not introduce you to Legacy Capital until your profile is actually prepared for it.
You need a registered business entity (LLC or corporation) with a valid EIN to build business credit. If you haven't formed your business yet, FormationDesk also offers formation services starting at $69 to get you started.
The Business Credit Builder is a natural next step after formation. Many clients start with an LLC formation package and then enroll in the Credit Builder to continue building their business infrastructure. You can do both.
Stop applying for capital before you're ready. Build the profile, track the progress, and approach lenders from a position of credibility.