About Tier One Business Services

Who Are We

Tier One Business Services (TOBS) is a business services provider that offers new and existing businesses a variety of business services with net payment terms, up to 90 days for some services. We are known as a “tier one” vendor, meaning we offer easy approvals based on your EIN and not your SSN.

Our Mission

We want you to be able to grow your business, and to be able to qualify for the working capital you need to run and grow your business. We do this by being one of the few business vendors that will also net terms without a personal guarantee on beneficial business services. Our services alone are designed to help your business grow.

What We Offer

Why Work With Us?

Personalized Service

Your business is unique to you, along with the services your business needs. For most of our services, we first have a discussion with you to be able to better serve you, based on your business and not with some “off-the-shelf” solution.

Improve Fundability

To help you get approved for traditional business financing at the best terms possible, we can help your business become fully credit-compliant by helping you implement our Business Credit Toolkit.

Build Business Credit

We can help you build your business credit, including getting vendor trade accounts, revolving credit accounts, or bank credit. We provide a TOBSPay report to any future vendor with whom you are trying to establish business credit.

Beneficial Services

Our business services cover a wide range of activities, providing you with most of the services that those $4,000 “credit suite” packages provide, along with many others that they don’t, all at a much lower cost.

Digital Tools & Services

Along with our business services, we have a very large collection of digital tools and services, including educational ebooks, training videos, WordPress themes & plugins, online tools and software.

Free Finance Analyzer

Ask us for our free Business Finance Analyzer, the only business planning tool that will let you accurately project your business income and expenses, along with an interactive funding analyzer.

Is This You?

If any of these items describe you or your business, then we may be able to help you. Click on each item to learn more.

Most new businesses struggle to get business credit that is not simply personal credit cards that they use to run their business. Getting started with your first net-terms trade vendor can be the most difficult obstacle. At TOBS, we remove that obstacle, making it easy for you to get credit established in the name of your business.

New business startups are often declined for business credit for a variety of reasons that have nothing to do with the personal credit of the business owner(s). In our free Business Credit Toolkit, you will learn about the most common reasons that new businesses are declined, and how to avoid putting your business into any of these situations.

There are a few good business credit service providers that package all of the services a new business needs to get business credit into what they call a “Suite”. But, their sales reps often charge $4,000 or more for this package, with a 50% commission rate. TOBS provides you with almost all of these services and many more priced to be much more affordable and based only on what your business needs.

If you are not sure what you need to get business credit, or need help in getting started, we offer an affordable credit consulting service that gives you up to 30 days to pay in full. We can help you understand and solve your business credit challenges.

If you are not familiar with the steps needed to properly get your business entity established and registered with all of the sources that lenders look for, we can help. All of this is outlined in our free Business Credit Toolkit. You can either implement these methods yourself, or have TOBS do it for you.

Many businesses get turned down for business financing for reasons that are not even related to their business or personal credit, nor time in business or monthly sales volume. Why? Because their business fails to get through automated compliance screening, and fraud flags are raised. Let us show you how to keep this from happening to your business. 

If you would like to get credit tied to your business EIN and not your personal SSN, having a high business score is critical. We have a step-by-step program that you can follow to start building your own business credit file, giving you access to high lines of business credit and funding that you do not need to personally guarantee loans or credit lines.

If you have poor or “not great” personal credit, this can often prevent you from getting business credit (unless you have a business partner who has good/great credit). Along with working with a good personal credit repair agent, consider using our service where we can show you  opportunities  to get a quick credit boost. If you are not working with a credit repair agency, we have some other options for you to consider.

If you have a business website, it may not be up to par in terms of how it can generate leads and sales for you. We can review your site from a usability and functional perspective, and provide you with easy-to-implement recommendations, including free premium WordPress themes, plugins and tools, or get you set up with a website builder that can create a full ecommerce site for you for less than $200.

We can give you a free copy of the Business Finance Analyzer, the most complete business finance planning tool on the market. You can accurately project your business income and expenses over a three year period, making sure you did not overlook any needed resources or costs to produce and sell your products and/or services. You can also visualize your cash flow, letting you know how much funding you will need. The Analyzer will also factor in both getting and paying back loans, advances or lines of credit on your cash flow. This Analyzer is 100% FREE. Simply ask us for a copy.

If you are not already collecting names and email addresses from your website visitors, you are leaving a whole lot of future money on the table. We will help you implement a full-fledged email marketing platform that currently has no monthly fees for startup plans. We will also show you how to get your visitors to become list subscribers.

If you have money in an IRA or 401(k) from prior employers, we have two programs that can let you either borrow 50% of that money to invest in any type of business entity (with no credit check), or use as much of it as you want to purchase shares in your business corporation.  We have a service that will set all of this up for you.

Get Started on the Road to Building Great Business Credit

If you would like to get started building credit in the name of your business using your EIN with no personal guarantees, be sure to get a copy of our Business Credit Toolkit, and apply for TOBS business credit using the link at the top of the page. If you have any questions, feel free to click on the phone number to call us.

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