Entrepreneurs today are well aware that cash flow is critical to operating a small business, however, with present economic times it's become challenging for small business owners to secure funding when they most need it. To counter this difficulty, many in turn use their personal credit cards and savings to supplement cash flow to grow their business. While this decision is quite popular, it is far from preferable. Without the use of instant business credit, many business owners find themselves high and dry when attempting to obtain additional financing for their business. This is because leveraging ones personal credit decreases your credit score and overall credit worthiness to lenders. Without means of acquiring additional capital once ones personal resources are tapped, an entrepreneur is at serious risk of becoming insolvent.

Using instant business credit, a small business owner finds it easier to keep their personal and business funds separate. By having segregated accounts used solely for corporate activity, an entrepreneur usually finds that accurate bookkeeping becomes far less tedious. By keeping personal and corporate activity separate, one reduces their chances of an IRS audit.

Besides allowing more efficient accounting, corporate credit can a small business owner a distinct advantage over his/her competition. Drawing on ones instant business credit to invest in new equipment, purchase more products to sell at a high margin, expand operations, or increase ones presence in the market can make ones business a true contender in the industry. By having more capital on hand, a business owner can aggressively expand their business without fear of tarnishing his/her personal credit score.

Applying for instant business credit can be troublesome however, with hundreds of lenders nationwide to choose from, each with their own approval guidelines, how does one decide? Shopping around for business credit can quickly turn sour by both wasting an entrepreneur's time, and racking up pesky inquiries on both personal and business credit profiles. For these reasons, many choose to employ the services of business development services to help guide them towards the most optimal lending products.

A business credit profile takes time to build just like ones personal credit. It's important to remember to be patient when applying for instant business credit, as well as to apply early on. By building instant business credit immediately, one can always be prepared for uncertainties in the market.