Abstract: Systems and methods are disclosed for establishing one or more personal guarantor(s); establishing one or more business entities; establishing a professional business presence; reporting the professional business presence and the one or more personal guarantors to one or more credit scoring companies; establishing a PAYDEX score of said one or more business entities to a minimum of 80 resulting in an applicant's ability to obtain a larger credit line and at more favorable contract terms determined by one or more credit line providers reviewing external data. Another embodiment includes a method for establishing at least one high credit line credit accounts of one or more business entities with an open trade account of $10,000 or higher maintained in good standing and reporting said trade accounts(s) to the business credit scoring agencies.