Dustin Mathews Business Credit Manifesto

The
Business
Credit
Manifesto
Secrets To Getting Money
For Your Business
5000 Culbreath Key Way
#9-319
Tampa, FL 33611
www.BusinessCreditInfusion.com
© 2008 Dustin Mathews & Business Credit Infusion
Copyright Notice
All rights reserved. No part of this publication may be reproduced or

transmitted in any form or by any means electronic or mechanical. Any
unauthorized use, sharing, reproduction, or distribution is strictly prohibited.
Legal Notice
While attempts have been made to verify information provided in this

publication, neither the author nor the publisher assumes any responsibility
for errors, omission, or contradictory information contained in this document.
This document is not intended as legal, investment or accounting advice.

The purchased or reader of this document assumes all responsibility for the
use of these materials and information. Dustin Mathews or
BusinessCreditInfusion.com assumes no responsibility or liability whatsoever
on behalf of any purchaser or reader of these materials.
© 2008 Dustin Mathews & BusinessCreditInfusion.com
3 The Business Credit Manifesto | www.BusinessCreditInfusion.com

Table of Contents
Who The Heck Wrote This Report……………………………………. 5
This Is NOT A Sales Letter........................................................................ 8
Why Would We Give Away These Secrets............................... 9
The Real Truth About Business................................................................ 12
Personal Credit Actually Costs You Money............................ 14
The #1 Most Powerful Component To Business Credit........................... 15
What “Donald Trump” Knows About Business Credit........... 17
Business Credit Bureaus Revealed........................................................... 19
Trade, Vendor, Supply Credit vs. CA$H Credit...................... 21
How To Get The Banks To Chase You To Use Their Money................... 22
“The Dirty Little Secret”........................................................ 22
Personal Guarantee Finally Cleared Up.................................................. 24
How To Get Even More Money: Advanced Strategies............ 25
“We Look Forward To Serving You In The Future”................................ 27
Killer Resources & Links....................................................... 31
Just a word of advice before we get rockin’ and a rollin’…
Just Print It!

It’s always much easier to read and you can take it with
you everywhere!

Who The Heck Wrote This Report?
Hi, my name is Dustin Mathews. Google me if you care to,
but you’ll find I’m just a regular guy who seems to stumble upon
the “back door methods” or the “good ol boy secrets” to getting
what I want out of life. In this case, I’ve discovered how to
get entrepreneurs, business owners and investors massive lines
of businesses credit.
I wasn’t born on the wrong side of town and I definitely

wasn’t born with a silver...or any kind of...spoon in my mouth.
I’m probably just like you, trying to find a few shortcuts in
life. But I suspect you’ll want to know a little more about me
before I take you on this journey.
After I left school, without purpose or direction, I kinda

fell into a job. I say kinda because I wasn’t really overly
excited about getting out into the workforce.
Who is?
To my surprise, my first real job was FUN (at least at

first). It was a NEW chapter in life for me! But that “new car
smell” of a challenge wore off and like all jobs, it became a
routine...a lifeless boring routine!
I remember having to kick my own butt to get out of bed,

make that dreary drive and show up for ANOTHER day of work.
Don’t get me wrong. I don’t have any regrets. You see,

I’m a big believer that you can learn from anyone or anything.
And I did learn something.
Something so incredibly valuable, that I knew I

had to share it with others. So I wrote a book called,
How To Get Rich Working For FREE.
It’s backwards thinking for most. Since, they

tell us to get good grades in school, work real hard
and maybe you’ll get to retire one day when you’re 75!
Ouch.
I wrote about the power of apprenticing, actually working

for free. And in return you become richer than you ever
imagined. Richer monetarily, richer in experiences, and richer
with relationships.

This kind of thinking enabled me to work side by side some
of the biggest names in real estate investing, self development
and plain ol’ businesses. I’m talking some BIG time names that
you are familiar with!
But I digress from, why I write this report...
Now, my life is a lot more fulfilling because I work with

entrepreneurs and business owners to help them launch or grow
their businesses...around their lifestyle.
Cool huh?
In fact, I just recently got to go down to Costa Rica to a

mastermind of the world’s leading real estate speakers, trainers
and business owners.
But don’t mistake me for some kind of a work-a-holic! I

have a lot of FUN. In fact, while I
was in Costa Rica I got to do some zip-
lining high in the treetops of the
jungles. I also met a pick pocketing
monkey!
I share all of this with you

because I’m not a serious suit wearing
businessman but just a guy that’s
picked up a few things along the way.
Having access to money for my

Watch out for the animals while
business has allowed me to enjoy life
you’re in other countries!
while I’m growing my business. I
didn’t leave working for someone else so that I could be a slave
to my own business. And you shouldn’t either.
While helping entrepreneurs and small business owners I

met...
My Partner, Mark...
Now, I’d like to introduce you to my partner, Mark Bravo.
He’s not only my mentor but a great friend...and he’s got one
heck of a story that you should know about too.
While in the military, Mark was handed a copy of Napoleon

Hill’s classic book, “Think and Grow Rich.” When he got out of
the military, he returned back home to California. He followed

his passion, KARATE. And taking what he
learned from Napoleon Hill, he opened his
own karate school.
He hit it BIG!
In a short amount of time, Mark grew

his Karate School to over 4 locations
with over 400 students.
It was the late 90s, right in the

heart of Los Angeles and Mark was living
life.
Until, things took a turn...
He came down with a mysterious Mark might be all smiles in

illness that forced him into the hospital. this picture but don’t let
And as you can imagine when you’re not that fool you. He’s a trained
there to run a business, guess what business credit assassin!
happens...
It falls apart!
And that’s exactly what happened. Mark lost his schools,
his health and even his wife. He eventually had to file
bankruptcy.
But Mark’s not bitter. He’s got that attitude, “When life
gives you lemons, make lemonade.”
While he was in the hospital he made lemonade. He studied

personal and business credit, corporations and asset protection.
He really wanted to see how the wealthiest people in America
protect themselves from this kind of trouble.
Remember this guy?

How is that O.J. can essentially get away with murder, bust
down doors with guns and not lose everything he has?
He’s surrounded by the right advisors that gave him a solid

foundation with asset protection - corporations and strategies
that the wealthy use everyday...and I’m sure luck was a bit of a
factor too.
You’ve probably heard stories of CEOs and famous people

that make big money, yet run into trouble. What seems like the
brink of disaster to us, is a simple transfer of their assets
and money.
You might be thinking, “Dustin, they’ve got a team of

really expensive lawyers or granddaddy’s trust fund to get that
kind of protection.”
That’s exactly what I thought, until Mark started sharing

with me what he had learned in the hospital.
Mark wanted to know this kind of stuff to make sure that

this never happened to him again (and he was strapped to a
hospitable bed for over 3 months).
This Is Not Some Sort Of Sales Letter

Let me tell you that this isn’t some sales letter. We
didn’t pay some copywriter to write this. I wrote it, word for
word!
I actually have an ulterior motive. It’s kinda sneaky...
Mark and I help big corporations get

business credit. And these businesses pay
us some BIG money to do so.
It’s no surprise that there are other

companies that provide a very similar
service. My question to you is...
How many of these companies, do you

think would reveal their process of getting
money?
None...

Except one, us! And we’re definitely expecting to take
some BIG TIME heat for this. But you know what?
Who are you going to remember? Us or them?
Exactly.
At this point you might be confused, even skeptical.

You’re probably wondering...
Why Would Dustin & Mark Give Away Their Secrets?

Here’s the reality. Nearly all of our clients that we work
with simply don’t care to learn the process, they just want the
results...the money. And rightly so!
If your strengths are what you do...your business, and you

start spending time away from focusing on those strengths, then
you probably aren’t making as much money for your business as
you could be.
Will people go do this on their own? Absolutely. Those

aren’t the people we’re looking to attract and work with.
We also continually have to have hour long conversations to

explain our process to new clients. This report actually saves
us time and money!
This is such an abundance based world and we love to give

back by helping others. And with this report we know that we
can help a lot more people by getting it in their hands.
So Who Is This Report For?

• Entrepreneurs
• Business Owners
• Real Estate Investors
• People looking to start a business
• Sole Proprietors
• Those with personal or business debt
• Self employed
• Network Marketers
• Anyone with a corporation, LLC or any other entity
• Those that are looking to protect their assets
• Anyone that wants to grow or expand their current business

• People looking for money
If you don’t fit into any of those categories above, then

this report is NOT for you. But if you do, then this report is
definitely for you.
So, You Own A Pig Farm…

I don’t care what business you
are in.
Business credit can be used to

get money for any type of business.
And I want you to start thinking of
other businesses that might be tied to
your current business or one you’d
like to start.
Let’s say that you are a real

estate investor and you flip houses. Well, that’s Business #1.
But what other business are right under your nose?
What about the stuff inside that’s left behind...the

furniture, the TV, etc? Couldn’t you sell that stuff? Perhaps
put it on eBay? Business #2
What else?
What about financing and selling the house?
Remember that friend who is a mortgage broker and a real

estate agent? Get them to come work for you and you have
Business #3 and Business #4.
Let’s review...
Business#1 – Flipping Houses

Business#2 – Selling the “Stuff Inside”
Business#3 – Mortgages and Financing
Business#4 – Selling the House, Real Estate Brokerage
Where am I going with this? Well, with each one of these

businesses we can build business lines of credit. And if you
ONLY got $125,000 in credit on each business you’d have half a
million dollars!

But I’ll show you how to get a lot more than $125,000 per
business!
This stuff is incredibly powerful but I’ve sat through some

pretty stiff talks and read some really slow books on business
credit. I know that this subject can be as boring as reading
the tax code or watching paint dry.
So I set out to write a report that was fun, exciting and

educational. So prepare yourself.
And keep in mind, everything that I’ll be sharing with you

is completely 100% legal but only a minority of businesses,
entrepreneurs and people know that the business credit infusion
process even exists!
I only have one rule...
Dustin’s #1 (and only) Rule For Getting Business Credit
No showing financials, business plans, messy paperwork or

walking into a bank!
Interested? Keep reading because we’re just warming up...
The Business Credit Infusion Process

You are only a few pages from discovering the incredibly
powerful world of business credit. I’m talking about being able
to get money to start a new business or grow an existing one.
Look, you’re reading this report because...
1. You are smarter than the rest of the folks out there (and I don’t say
that to blow hot air upside your backside) and…
2. You are looking for money for your business.
I will reveal exactly how we infuse businesses with unsecured
lines of credit using unconventional strategies. We call this
the Business Credit Infusion Process.
Are there other ways to get money for your business? Sure,
but I’m going to show you the exact methods that I just used to
get $93,000 in business lines of credit in just 3 short months.

I also share a story or two of the people that I’ve helped get
money for their businesses.
So before we get started, I am going to lay the foundation. I

can’t teach you how to run unless I teach you how to walk first.
Don’t skip over the beginning pages because one wrong step and
you’ll kill your chances for getting the most amount of credit
that you could possibly receive.
And you wouldn’t want to do that, would you?
The Real Truth About Business…

As an educated business owner you should know about this. You
might have even seen or heard this talked about before.
According to our good friends at the Small Business

Administration...
“50% Of Businesses Fail In

The First Year…”
“95% Of Businesses Fail In The

First 5 years!”
Can you guess what the number one reason for their failure?
Lack of Financing!
You ever notice how things seem to occur in patterns or
trends in life? Don’t we go out and have a few “grand slam
months” in our business and then for the next few months it
seems to slow down?
If you own a business now, then you know exactly what I’m
talking about...CASHFLOW.
It’s pretty simple, cash comes in and cash goes out. If

you don’t time it right or if something unexpected comes up then
you’ll end up like a majority of business owners shutting the
doors...and...maybe even having to go back to a job.

But with Business Lines of Credit, we take
these stats and transform them in our favor. A Quick Note
And as you can tell, that’s why I’m so About The Word
passionate about working with entrepreneurs.
“Unsecured”
How Business Owners Typically Throughout this report
Go About Raising Money you might see me use the
word “unsecured” or the
Many business owners get started by doing phrase “unsecured lines of
one of the following... credit.”
1. Dip into personal savings, retirement or take a To the untrained eye, you
mortgage on their house might think that this term
2. Turn to family or friends for funds has a negative meaning.
3. Some dip into their kids' college funds And normally you’d be
4. Go to the bank, angel investors or raise private right, but we’re talking
money business credit here.
Now, I don’t fault anyone for using any of When I say “Unsecured
these options because they are out making it Lines of Credit” that
happen. But the truth is the first three on simply means that you
this list are the most risky. Wouldn’t you don’t have to put up any
agree? assets in order to get this
money.
The fourth option...well...it breaks
Dustin’s #1 (and only) Rule For Getting
Typically, banks and
Business Credit. Plus it’s incredibly hard.
creditors would want you
A friend of mine, Jeff, has been in to “secure” your loan with
business for quite some time. I told him what a car, stocks, bank account,
I was up to, so he decided to go down to his or even your home.
local banker buddy and do things his way.
I stay as far away from
I kept asking him week after week, “How’s this kind of credit as I can.
it going?” Why put up assets when
we don’t have to?
No answer...smirk...disgruntled face. You
see, “the guy at the bank” doesn’t care about And yes you can still get
your business. He’s got no sense of urgency
access to 0% money!
when he’s getting paid $15 Dollars an hour.
Go ahead. I encourage you to go through

this process of going to the bank. It will give you a real
appreciation with what I am about to share with you.

Now, the one option I haven’t discussed is what most
entrepreneurs end up doing to start their business...
Leverage their personal credit!
How many of you have ever used a personal credit card to

fund a seminar, marketing or business phone?
Exactly! In fact, that’s how I started my business. Most

of us end up doing this. That’s because we didn’t know about
business credit, until now.
For those of you that insist on carrying your business with

personal credit let me share with you why this is a mistake...
Personal Credit Is Actually

Draining Your Bank Account
Here’s what happens. The more and more credit that you go
out and get, your interest rates start to climb slowly. In the
banks and creditor’s eyes you become riskier.
So your payments go from hundreds of dollars to thousands

of dollars over the course of a year.
Eventually you'll hit a ceiling and you’ll be tapped out.

What will you do then?
Real estate investors run into quite frequently. They buy

a few houses using their personal credit to qualify for the loan.
It shows up on their personal credit report and when they go to
buy they next house, they’re cut off by the banks.
To show you how unfair

this is, I went over to
http://www.myFICO.com and
pulled a chart of what a
person with good credit
pays versus someone with
bad credit.
In this example, I
pulled the rates and
monthly mortgage payments
for a modest $200,000
Dollar House.

A person with a good personal credit score pays $1,152
Dollars a month. But a person with a bad credit score (same
house, same mortgage) pays $1,796 Dollars a month.
That’s a difference of $644 Dollars per month or $7,728

Dollars over the course of just 1 year.
In today’s day and age, you MUST protect your personal

credit score. It seems like your whole life is centered around
it!
We want to keep our personal credit and our business credit

separate. The other BIG reason that you shouldn’t use your
personal credit to carry your business...
You’re Completely On The Hook For Everything

When you carry your business with personal savings or
credit and something should happen, guess who they’re coming
after?
You.
But with business credit, when structured properly we can

actually use the shield of our corporation to protect us. Down
the road, your entity can guarantee money that it borrows and
not you personally.
Good? This is better...
The Most Powerful Component of Business Credit

How many Social Security numbers
can a person have?
You might be smirking as you’re

reading this. There are ways of
getting another Social Security
number but they're not very legal.
So the answer...without going to

jail...is one!
But how many businesses, entities or corporations can you

have?

UNLIMITED!
In the personal world, credit is based off of our social
security but in the business world, credit is established off of
your Tax ID (which is what you get when you open your doors for
business).
So we can establish credit on each and every one of our

businesses. We can virtually have an unlimited way of building
credit!
Liking this so far? Keep reading...
I actually recommend to people that they form multiple

entities. Here’s why...
DISCLAIMER: I’m not an attorney or tax

professional, nor do I like to play one on TV.
Each type of entity has its own tax advantages. So if you

aren’t able to write off a certain expense in one company, you
might be able to write it off under another.
Having your company foot the bill for your health care is a
great example of this.
The Coveted Safety Award

I’ll share with you something that I plan on using this
year.
In a C Corporation, they have this

extremely brilliant thing called a safety
award. If any of your employees go an
entire year without hurting themselves
they could be considered for a safety
award.
And with this award comes a nice

write off to the company of $1,600 Dollars.
I plan on winning the safety award

this year. So far no paper cuts. Keep
your fingers crossed!

Why Can’t This Guy Find
A Good Place To Get A Haircut?
You think a guy with so much money, influence and power
could find a good place to get a haircut.
What's the deal?
Donald is the “Ultimate Master

Leverager.” He uses business credit along
with other people's money to finance his
projects and fund his business.
The reason why I share Donald Trump

with you is to show you what's possible
with business credit. He’s got billions
of dollars in lines of credit!
You see, it’s not about getting to

$50,000, $100,000 or even 1,000,000
Dollars. It’s about starting now and
building it. As your business grows, the
amount of credit it can receive grows too.
So if you ever aspire to build or buy commercial buildings

like the Donald, then you better start building your business
credit now!
It All Starts Here

Getting massive lines of credit for your business starts
with being incorporated. You’ve got to have an entity.
If you are a sole proprietor or running your “business

under the table” you are missing out on huge tax advantages and
putting yourself at RISK BIG time.
If you aren’t incorporated you can go to

http://www.legalzoom.com and they’ll set you up. Don’t be
fooled by lawyers who trick you into paying big fees to get this
done.
Getting incorporated is inexpensive, quite simple and can

be done all online in most states.
If you’d like to save even more money you can do this

yourself by getting a copy of Socrates Software at
http://www.socrates.com

Mindset Shift Ahead...
When I say the word "corporation," who are some of the
companies you think of?
Perhaps...
Well when you incorporate yourself and say you're a

corporation, banks and creditors treat you like one.
The More Your Corporation Borrows,

The MORE It Gets!?
Now, you're probably thinking, "Dustin, that doesn't make
any sense. Why would somebody want to keep giving me more and
more money?"
Well, when your corporation gets $50,000 in unsecured lines

of credit, makes purchases, and pays it back on time - it starts
building history.
Good history.
Well, when other lenders and banks see our good history
they will want to lend us more money. Makes sense, right?
They make money off of lending us money! And that’s okay

because I’ll show you away how we can get this money at 0%
interest!
The Best Entity For Corporate Credit

It doesn't matter. Now, some say that a C corporation is
the best because it is the oldest kind of entity. Sounds good
but I was pretty content with my new LLC getting $93,000 Dollars
in 90 Days.

Perhaps for building long term credit this applies but
remember, if you plan to be in business you should have multiple
entities so that you can take as many advantages that Uncle Sam
gives us.
If you are a Sole Proprietor…
Don’t use the Business Credit Infusion Process. You will

seriously mess up both your personal and business credit.
I don’t know why you’d want to continue operating this way after
reading this report but just in case you do, don’t.
Your easiest and best bets are S or C Corporations, or an

LLC.
Business Credit Bureau Secrets Revealed

Just like in the personal credit world, there are credit
bureaus. But in the business world there are two main business
credit bureaus...
1. Dun & Bradstreet

2. Corporate Experian
There are other business credit bureaus, but these are the
major players.
Dun & Bradstreet

Dun and Bradstreet, aka D&B, identifies your company or
business by a DUNS number.
With D&B your corporation is rated on a

scale from 0 -100 (just like in grade school).
And they call this a PAYDEX score.
They make it nice and easy for us

(unlike the personal credit range of 350-850).
You want your business to have at least an 80
score.
Now you might be thinking…
”Why not shoot for the moon and get a perfect score of 100?”

Well, almost being next to impossible to get, (unless you
use some ninja like strategies) no one has a 100.
But more importantly, it shoots a red flag in the air. And

when a lender or creditor sees a red flag it freaks them out.
They start asking you questions and want to see how in the
heck you got a perfect score.
And remember Dustin’s #1 (and only) Rule For Getting

Business Credit. No showing financials, business plans, messy
paperwork, or walking into a bank!
Food For
And at the other end of the spectrum, if
your score is too low, you won’t get the MAXIMUM Thought
amount of business credit that you could.
The business credit
So the next question you should ask is... bureaus, Dun &
Bradstreet and
“Dustin, how do you get this PAYDEX? Corporate Experian are
How do you get an 80 score?" in the business of
selling our business
Well, what you have to do is you have to go information.
to five vendors that report back to Dun &
Bradstreet. And at first you
might think that’s a bad
What's a vendor? Really, it’s just a store thing, but it’s actually a
that you do business with. GOOD thing…if you
structure your business
Here’s what you do... correctly. I’ll explain
why, later.
1. Go to store
2. Apply for credit (See “The Dirty
3. Get credit from store Little Secret Section”)
4. Go use your credit and buy stuff
5. Make payments on time
6. Repeat steps 4 and 5 for four consecutive months
So you want to work with five companies that report back to
Dun and Bradstreet and that's going to get your score to an 80,
as long as you pay them back on time. It makes sense, doesn't it?
The other thing you can do is ask the companies you already
do business with to report to the credit bureaus. Some will and
some won’t.

Vendors will extend you credit without asking for your
social security number. If you come across a vendor that wants
your social security number; run!
Corporate Experian
Experian is very similar to Dun & Bradstreet, with a few
exceptions.
With Experian, your company gets a

rating, which they call an Intelliscore.
It’s the same range, 0 – 100.
You want an 80+.
They only require 2 vendors to report before you get a

score.
The Two Kinds of Business Credit

There are 2 kinds of business credit. The first one is
called Trade Credit.
Some people also call this supply or vendor credit, but

I’ll stick with the first. Trade credit is where it all begins
and its your gateway to everything else that business credit has
to offer.
Now, the secret to getting to getting lots of credit down

the road starts here with trade credit.
Your tip here is to go get trade credit and use it. Go to

the store, buy what you need for your business and then pay it
off on time. Do this for at least 4 months in a row. By then
these stores or vendors will have had enough time to report back
to D&B and Experian.
I don't know about you but I don't need $50,000 in office

supplies, right? So let’s talk about...
...the second kind of credit, Ca$h

Credit. This is the one that people
salivate over.
With cash credit you can buy

anything you want (as long as it relates
to your business, of course). Some

banks and credit card companies will even give you checks.
You can find a list of banks that I like to work with at

http://www.businesscreditinfusion.com/secretcards. But don’t go
there until you’ve read this entire report!
Now, you can't just ignore the trade credit because that
gets us a nice high score, which leads us to...
How To Get The Banks To Chase You

At first we have to chase banks to give us money. And all
that means is that we go to them and start filling out
applications.
But when we build our businesses the right way, the banks
will start chasing us. (It’s very similar to how you get offers
in the mail for personal credit cards. The higher your score,
the more and the juicier the offers!)
The Dirty Little Secret

Remember Dun & Bradstreet and Experian?
Well, they are in the business of selling our company’s

info. And guess who they sell it to?
Banks, lenders and creditors!
These information seekers are looking for companies in good

standing so they can bombard them (us) with offers to get our
business.
Well you’ll be sitting pretty because you’ll have at least

an 80 score.
Makes sense doesn’t it?
Flying Under The Radar

When we go to fill out these applications you must keep in
mind that we don’t want to attract any attention to
ourselves. It’s not that we’re doing anything
illegal but we just want to get our credit and
leave.
Here’s what I mean...

In the business credit world we get to project what our
businesses will make, not what we are making right now. [By the
way this is probably the most powerful aspect to business
credit].
We get to project what our businesses are going to make.
Now, how many of you would project $10 million?
Kudos for thinking BIG but now’s not the time. If you were
to put down your lofty goal, the bank or creditor would tell you
to Prove It. They’d ask for business plans, financial
statements and a whole bunch of paperwork.
That violates Dustin’s #1 rule!
But if you project your company too low, they won’t give
you as much credit as you could possibly get.
Banks Love Years…So Give It To Them!

Banks love to see companies that have been around for
awhile. Shows stability...I guess.
Now, for some of you, you're not even incorporated and you
might be thinking, “Dustin, they aren’t going to
give me anything.”
So you should be asking yourself, “How can

I get some years?”
Here’s a sneaky, yet totally legitimate

strategy.
We can buy these things called shelf corporations or even

old corporations.
Let’s start with Shelf Corporations. They’re kinda like

they sound...they sit around on the shelf. They aren’t doing
anything but collecting dust.
Here’s where you come in. You can buy these Shelf
Corporations and become the officer of the corporation,
literally overnight.
Then when you go to apply for credit and it asks “What is

the date of your corporation?”

You can legitimately say...however many years it has been
around!
Cool huh?
Now for the old corporations. Same rules apply. But you
just go looking for these in a different place.
Go to your state’s corporation website and do a search for

inactive corporations. Look for one with at least 2 years
history and contact the owner of that corporation.
Call the owner up and offer to buy the

corporation from them. Now, there are two
What Does
things to watch out for. “Personal
Guarantee”
1) You will have to pay fees to bring the
corporation current and change ownership and… Mean?
When it comes to
2) Be sure there aren’t any issues with the IRS or
business credit, a
any other creditors. (You can do searches at the
personal guarantee
courthouse on this kind of stuff). simply means that you,
an actual person,
The Personal Guarantee Myth comes from behind the
corporation and say
I’ve done my research and found that some “that you are good for
of the other guys are confusing the heck out of the money.”
people. Telling them that they can get credit
without a personal guarantee.
It’s important to
know that you aren’t
Sure, it can happen, but not if you are
getting started...AND...if you want to get big putting up any assets
lines of cash credit! like your home or car.
(That would be secured
Only a few short years ago, you could get a credit!)
lot of business credit without revealing your
social security number. Nowadays, you aren’t Also when you apply
going to find any substantial credit. for certain types of
business credit, they
Trust me, I’ve looked! will ask to check your
personal credit report.
Before you apply for business credit you But when you get that
should look at your personal credit report. You
line of credit, it won’t
can do this for FREE at http://www.myFICO.com!
show up on your
After that, you can apply for these personal credit report!
business cards, which can be found at

http://www.businesscreditinfusion.com/secretcards. But keep
reading because one wrong move and you could be crippled!
How To Get ‘Em To Give You Even More Money

Now, here's a strategy that doubled the amount of money
that I got when I first got started.
I went out and bought “stuff” for my business. You know

paper, gas, ink, etc. The same things that I was buying before
using my personal card. Instead, I started using the business
credit cards that I got.
Then I made the minimum payments. I didn't pay off the

whole amount, but I made my payment that I had to make. (These
were 0% interest cards, so no extra payments).
I did this for 3 months.
Then I decided to call the bank. Keep in mind

that I was nervous because the first card I got was
a $12,000 card at 0% interest for an entire year. I
was thinking if I screw this up, they might take my
credit card away.
So imagine this nervous conversation between me and the

bank. I get on the phone, dial the number, give the person on
the other side of the phone my account information and she
says...
"Hi, Mr. Mathews. What can I do for you today?”
I muttered, “I’d like to increase my credit limit if I

could.”
She came back and said, “How much would you like to
increase your credit line to?"
"How much would I like to increase my credit line to?" I

was dumbfounded and caught me off guard.
So I muttered out $20,000 Dollars.
Instantly she said, "Congratulations, Mr. Mathews. You are

approved."

A BIG Negotiation Tip
Now, I was very happy but at the same time I was very sad.
Can you guess why I was sad?
Exactly. I could have and should have asked for more money.
But that's okay. They gave me another $8,000 at zero

percent. Zero percent!
Lesson learned right?
So, I did it again with one of my other cards. But this

time, I learned my lesson.
Here’s how it went down.
Three months, went out and bought the things I needed for
my business and then I asked for an increase.
So I got back on the phone and called the bank.
She said, "Hello, Mr. Mathews, how can I help you today?"
"I'd like to increase my credit line," I replied with a big

confident smile.
She said, “Certainly. How much would you like to increase

it to today?”
“Ha. I played this game before! I can’t lose,” I thought

to myself.
So I said, “$50,000!” and there was just silence...
Just like that.
She came back and said, "I'm sorry, Mr. Mathews. We can't
increase it to $50,000. But what I can do is give you another
$6,500."

“Ha! Another $6,500 just like that,” I thought!
I told her, “I’ll take it!”
So I was able to get another $8,000 just by asking for it.

Just by asking for it!
But I did do the right things to get there. I went and

bought business supplies and I paid it off.
I was building history. And that's the strategy that we

want to employ. That has increased my credit lines double!
I almost forgot to share with you that shortly after

calling the banks I got letters in the mail stating my increases
and lines like...
“We look forward to serving you in the future.”

Doesn’t that give you a warm fuzzy feeling? Seriously,
don’t you want to work with banks that are happy to give you
money?
Exactly!
DC Fawcett’s Story
A good friend of mine has been leveraging business credit
in his business, which is buying and selling real estate. You’d
be amazed at the kind of things he’s doing.
Anyways, DC has invited me to play a game with him. Who

can get the most amount of business credit!
Ha! I love games I can win!
DC’s off to a good start because over

the last six months he’s lined up over
$230,000 in business lines of credit.
Want to know his secret ingredient?
I’ve already mentioned it...
Multiple corporations!

I want you to start thinking like this. Have multiple
corporations and start building credit.
DC’s always telling people, “You have to set up your

business lines of credit when you don't need them so the money
is available when you do need them. If you try to get it when
you need it, it's much harder to get.”
And isn't that like life? When you're looking for

something you can never find it and when we don't need it, it’s
always in plain sight.
So get to building! But before you do, I want to share one

more story with you, because it has a valuable lesson,
especially if you have a spouse or a partner.
The Power Of Partnerships…The School Teachers

Mark ran into Jose & Leticia while attending a real estate
seminar. Being school teachers they were
happy with what they did but weren’t happy
having to fight just to get by.
So they decided that they would pursue

real estate investing part time to help
increase their income and live a better
life.
However, Jose & Leticia weren’t sure

which area of real estate investing they wanted to pursue:
wholesaling, bankruptcies, probates, foreclosures, commercial
buildings, lease options, etc. They were pretty inundated with
all the options.
Mark asked them, “Wouldn’t you like to have $100,000

Dollars or more to invest when you decide which area of real
estate investing is for you?”
Naturally, they said yes. So Mark started working with

them to build their credit. They went through the same exact
process that I shared with you and were able to get nearly...
$700,000 Dollars!!!
Let me tell you that this didn’t happen overnight. It took
about a year to get to $700,000 Dollars.

But can you imagine having $700,000 Dollars for your
business, even before you opened the doors?
Want to know their secret?
They went after credit separately even though they were

married. You see, most people who are married are told to file
jointly on credit applications.
You might have even done this when you bought a house or a
car. But when you do this, they look at both of your credit
files, potentially hurting your scores.
Why not protect them?
So when you are filling out

business credit applications, fill them
out separately. One officer fills out
an application with a lender and then
another officer fills out the same
application. Just don’t make any
reference to the other person.
It’s as simple as that!
Getting a million dollars in

business credit in a very short amount
of time is possible. My question to you is how many credit
partners can you find?
That’s it! You’ve officially been handed the keys to the

Business Credit Kingdom.
Knowledge is NOT power. Action upon knowledge is TRUE

POWER! With that said, I’d like to leave you with a quote from
Calvin Coolidge. Something to keep in mind when going after
business credit.
Nothing in the world can take the place of persistence.
Talent will not. Nothing is more common than unsuccessful men with talent.
Genius will not. Unrewarded genius is almost a proverb.
Education will not. The world is full of educated derelicts.
Persistence and determination alone are omnipotent.
The slogan “press on” has solved and always will solve the problems of the human race.
To Massive Lines of credit,
Dustin Mathews, along with my partner Mark Bravo
P.S. Be sure to check the Killer Resources Section on the

following page
P.S.S. Don’t miss out on having your questions answered. See

the last page for more details!

Killer Resources
To save you some time, I’ve included all the links, I
mentioned throughout the report right here for you. (You’ll also
find these links at http://www.businesscreditinfusion.com/blog)
I use each one of these resources for my business along

with my students.
• http://www.legalzoom.com – Incorporate Online

• http://www.socrates.com – Incorporation Software
• http://www.myFICO.com – Personal Credit Monitoring & a FREE
Credit Report
• http://www.businesscreditinfusion.com/secretcards -
Business Credit Cards with the BEST rates
I Need Your Help!
This is the first edition of the Business Credit Manifesto

and I expect you might have a question or two and maybe
even some comments.
Normally, we don’t answer questions unless you pay us a

HEFTY ransom but I need your help filling in the areas that I
might have left out! And I want to reward you for making it
to the end of the Business Credit Manifesto.
So go on over to the blog and post your questions and

comments at…
http://www.businesscreditinfusion.com/blog
…and I’ll be answering and responding to your questions in

the next few weeks!

Dustin Mathews Business Credit Manifesto

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This document is not intended as legal, investment or accounting advice.

© 2008 Dustin Mathews & BusinessCreditInfusion.com

3 The Business Credit Manifesto | www.BusinessCreditInfusion.com

Who The Heck Wrote This Report……………………………………. 5

This Is NOT A Sales Letter........................................................................ 8

Why Would We Give Away These Secrets............................... 9

The Real Truth About Business................................................................ 12

Personal Credit Actually Costs You Money............................ 14

The #1 Most Powerful Component To Business Credit........................... 15

What “Donald Trump” Knows About Business Credit........... 17

Business Credit Bureaus Revealed........................................................... 19

Trade, Vendor, Supply Credit vs. CA$H Credit...................... 21

How To Get The Banks To Chase You To Use Their Money................... 22

“The Dirty Little Secret”........................................................ 22

Personal Guarantee Finally Cleared Up.................................................. 24

How To Get Even More Money: Advanced Strategies............ 25

“We Look Forward To Serving You In The Future”................................ 27

Killer Resources & Links....................................................... 31

Just a word of advice before we get rockin’ and a rollin’…

Just Print It!

4 The Business Credit Manifesto | www.BusinessCreditInfusion.com

I wasn’t born on the wrong side of town and I definitely

After I left school, without purpose or direction, I kinda

To my surprise, my first real job was FUN (at least at

I remember having to kick my own butt to get out of bed,

Don’t get me wrong. I don’t have any regrets. You see,

Something so incredibly valuable, that I knew I

It’s backwards thinking for most. Since, they

I wrote about the power of apprenticing, actually working

5 The Business Credit Manifesto | www.BusinessCreditInfusion.com

But I digress from, why I write this report...

Now, my life is a lot more fulfilling because I work with

In fact, I just recently got to go down to Costa Rica to a

But don’t mistake me for some kind of a work-a-holic! I

I share all of this with you

Having access to money for my

While helping entrepreneurs and small business owners I

While in the military, Mark was handed a copy of Napoleon

6 The Business Credit Manifesto | www.BusinessCreditInfusion.com

In a short amount of time, Mark grew

It was the late 90s, right in the

Until, things took a turn...

He came down with a mysterious Mark might be all smiles in

While he was in the hospital he made lemonade. He studied

Remember this guy?

7 The Business Credit Manifesto | www.BusinessCreditInfusion.com

He’s surrounded by the right advisors that gave him a solid

You’ve probably heard stories of CEOs and famous people

You might be thinking, “Dustin, they’ve got a team of

That’s exactly what I thought, until Mark started sharing

Mark wanted to know this kind of stuff to make sure that

This Is Not Some Sort Of Sales Letter

I actually have an ulterior motive. It’s kinda sneaky...

Mark and I help big corporations get

It’s no surprise that there are other

How many of these companies, do you

8 The Business Credit Manifesto | www.BusinessCreditInfusion.com

Who are you going to remember? Us or them?

At this point you might be confused, even skeptical.

Why Would Dustin & Mark Give Away Their Secrets?