Business vs Corporate Credit: What Exactly Do You Need for Your Real Estate Investing Business?


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For your real estate investments, do you need credit? Does it matter between business vs corporate credit?

We highly recommend that real estate investors use a business credit card for their projects’ expenses.

They save your personal credit score, and you can get some types of cards for 0% interest rates for at least the first year. You can’t beat that low of a rate!

To be clear, however, we’re talking about business credit cards, not corporate credit. Why does that distinction matter?

How Corporate Credit Differs from Business Credit

Corporate credit is next-level and will take some time to obtain. But if you are interested, here is the link.

The major difference between corporate and business credit is how they decide you’re qualified.

  • Business credit is based on your personal credit score. It requires you to personally sign on the debt.
  • Corporate credit is based on your Dun & Bradstreet score. It does not require you to personally guarantee the debt.

Corporate debt takes time and typically does not start with (or get to the point of) issuing credit cards… Especially to us small companies.

Why You Should Use a Business Card in Real Estate Investing

If you use credit in investing, a business credit card is what you need. It accomplishes two big items for funding:

  1. It keeps business purchases from impacting your personal score. Then, your credit score doesn’t negatively impact your other funding.
  2. It won’t show up on your report for lenders to officially count it against you when calculating your debt ratio.

Business credit cards keep debt from impacting your personal funding options.

How Hard Is It to Get Business Credit vs Corporate?

Assuming you have everything you need to get a business card, including a high credit score, a business or sole proprietorship, and a good, non-real-estate related business name, getting a credit card is relatively straightforward. 

Go to a site like or Credit Karma to pick the card that’s best for you. You can also visit Nav’s list of business cards to compare different types.

If you keep balances, then you may want to look at cards with 0% intro rates. You can change them out every year and save a lot of money.

How to Get Business Credit

If you need to set up a business or improve your credit score, reach out to us at The Cash Flow Company. We have ways to help raise your credit score fast, and can guide you in setting up a business.

You can also check out Fund & Grow. Ask us about the discounts they gave us to pass on to you!