Business Credit Building Program

Business Credit Agreement

THIS AGREEMENT is entered into, by and between (Client) named below:


located at


with principal/partnered owners being


located at

 , , ,  

and Ncredible Credit Repair LLC, Credit Consultant (“Consultant “) upon the following terms and conditions: WHEREAS, Client desires to obtain Consultant’s services in conjunction with a business the Client has an interest in. WHEREAS, Consultant and Client have agreed to enter into this Business Credit Consulting Agreement. NOW THEREFORE, in consideration of the terms and conditions set forth below and other good and valuable consideration, the receipt of which and sufficiency of which is hereby acknowledged, the parties agree as follows:


Client understands that they are purchasing business credit consulting for the purpose of helping ensure they meet lending credibility standards, helping them build business credit, and gain access to cash funding options. Client understands they might not be able to initially qualify for some, or any of the cash funding programs available through the Consultant.

Funding approval is based on factors such as collateral, revenue, financials, personal credit, and business credit quality.

Client understands that although their Consultant will ask questions about credit, company income, revenue, and other questions relating to pre-qualification, the Client cannot be fully approved until they go through a formal underwriting process.

Clients with lower consumer credit scores, no business credit scores, and no business collateral will not typically qualify initially for funding. Clients with legitimate business collateral and/or good personal or business credit have a better chance of securing initial funding, but still cannot be guaranteed they will be approved for initial funding.


There are many services provide by the Business Consultant which include: Establishing a Dunn & Bradstreet file/number and establish a Dunn & Bradstreet rating;

Building a Dunn & Bradstreet PAYDEX score; Establishing a business credit file with Experian; Obtaining an Experian number;

Providing Client with a non-comprehensive list of trade accounts that may or may not report to business credit bureaus, including Dunn & Bradstreet, Experian’s corporate department and Equifax’s business department;

Creating a Business Credit Asset that can be used for business financing opportunities; or Obtaining access to a dedicated funding Consultant that is provided by Consultant and/or its affiliates and/or assigns for a two (2) year period beginning as of the date of this Agreement between Consultant and Client.


Consultant Responsibilities. Consultant agrees that it will handle Client’s business hereunder in a strictly professional and ethical manner, utilizing its best efforts and skill on behalf of Client; Consultant has made no guarantee that Client will obtain a particular business credit score or guarantee regarding a specific cash dollar amount of credit a Client will obtain. All expressions made by Consultant relative to the matters discussed in this Paragraph previous or following the execution of this Agreement by the Client and Consultant are the Consultant’s sincere opinion only. However, if the Client has not been extended at least $50,000 in TOTAL credit (any combination of vendor credit, trade credit, equipment lease, vehicle lease, loans, lines of credit, credit cards, real estate pre-approvals, etc.), Client may elect at any time to receive an additional twelve (12) months of services from the Consultant.


Client Responsibilities. To contact the Consultant immediately upon receipt of any correspondence they receive via electronic, paper, or digital format. Failure to contact and inform the Consultant within 48 hours of date of receipt of correspondence could result in delays of business credit and funding for the Client. Failure to contact and inform the Consultant within 5 business days of receipt of correspondence will result in suspension of agreement upon review by Consultant.

To ultimately be responsible for purchasing products from the list Consultant provides and understands and agrees that Client may be required to purchase minimum order amounts for several months to establish a credit line with certain Business Credit Vendors/Trade Accounts.

To cooperate and pay Consultant promptly for Business Credit Consulting Services to be able to work with Consultant to secure business credit and business funding; To cooperate thoroughly with Consultant in the handling of all matters contemplating under this Agreement and to do all that is necessary to provide all the information Consultant requests from the Client; including but not limited the completion of any Client tasks as set forth above and which are determined to be necessary in the course of consulting;

To make timely payments on all of Client’s: business and personal bills/accounts,

including limited lines of credit, credit cards, revolving accounts, and loans.

To make all payments required hereunder, in related agreements, and for any costs incurred for elective products and/or services selected by Client. In the event Client fails to fulfill these Client responsibilities or breaches in any way; Client understands it will be more challenging for them to be approved for business funding and/or credit. Client understands that the Consultant reserves the right to terminate this agreement for failure to cooperate with Consultant. When Consultant has notified the Client of the breach of the Client’s duties and responsibilities, the Client has 10 days or such other time as the Consultant and Client may agree to in writing. Any resulting Trade Account terminations, suspensions or removals from Client’s Business Credit file will be result of Client’s inaction/inability to act and not that of the Consultant.

Client understands and agrees that the Consultant does not, cannot and will not warrant, guarantee, or promise any results.


Client agrees to pay Consultant a total of $5,000.00 (USD)

Client agrees to make payment promptly, within 24 hours of signed/executed agreement.

Client agrees to contact the Consultant immediately with any concerns, or at any time the Client believes they might not be able to make a payment.

Client understands that once Consultant has begun work on Client’s file, there will be no refunds extended.

Client agrees and understands that building and establishing business credit takes time. Client is committing to a long-term growth program for their business; understanding that organic growth for legitimate, legal businesses requires time, hard work, patience and follow-up. Therefore, any dissatisfactions or complaints (made public/private) due to unreasonable time-related issues will not be tolerated or accepted. Excessive complaining by Client to Consultant can and may result in termination of the Business Credit Consulting Agreement with NO option for a refund.

In the case Client defaults on payment, all access to the Consultant will be terminated. The Client will not have access to the Consultant and will lose access to the business credit and funding they qualified for.

In the case of default by the Client, the Client will not be permitted to re-purchase the system in the future.


Fees. The Client agrees and understands that all funding obtained for lending sources will have a cost involved. These costs are standard lender fees and might include processing fees, points, APRs, interest rates, discounts, and other standard fees commonly associated with borrowing money. These fees are not charged by the Business Consultant team, but the lender themselves. The Business Consultant finance officers search to find the best, and most affordable terms each Client might qualify for.

Client does receive many free items as part of their enrollment with the Business Consultant, including information on obtaining a free DUNS number and credit profile activation from Dun and Bradstreet, and no-cost listing with 411.

Client may incur additional costs and spend additional monies on services they elect to receive. These are elective costs for services that might not be required but will be extremely helpful to maintain.

These services include but are not limited to:

  • Dunn & Bradstreet, Experian, and Equifax full credit monitoring;
  • Trade account set up costs;
  • Trade account vendor product purchase costs;
  • Various state filing costs;
  • Various business license costs;
  • Business phone set up or other phone-related costs;
  • Personal and/or business credit report costs;
  • Bank fees and costs associated with financing, such as, but not limited to closing costs, application fees, or broker fees
  • Other fees and/or costs that are customary to the general practice of business.


Client hereby exonerates, indemnifies and hold harmless Consultant from any and all claims, loss or damage, including, without limiting the generality of the foregoing, legal fees and disbursements made or incurred by the Client to enforce the provisions of this paragraph, occasioned wholly or in part by any negligent act or omissions of the Client or that of anyone directly or indirectly employed by the Client, or performing the work of the Client under the direction of the contract or anyone for whose acts any of them may be liable in carrying out the provisions of the Business Credit Consulting Agreement.


All claims and disputes arising under or relating to this Agreement are to be settled by binding arbitration in the state of OKLAHOMA. The arbitration shall be conducted on a confidential basis pursuant to the Commercial Arbitration Rules of the American Arbitration Association. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all conclusions of law and fact and shall include the assessment of costs, expenses, and reasonable attorneys' fees. Any such arbitration shall be conducted by an arbitrator experienced in the Business and Consumer Credit industry and shall include a written record of the arbitration hearing. The parties reserve the right to object to any individual who shall be employed by or affiliated with a competing organization or entity. An award of arbitration may be confirmed in a court of competent jurisdiction.


Client and Consultant both being of sound mind and over the age of 18 years, hereby agree and understand the requirements listed above and upon signing this Business Credit Consulting Agreement, agree to execute this agreement.


Client may terminate contract by written request within 3 calendar days of payment to Consultant for any reason for a 100% refund of paid funds.

Client understands and agrees that if agreement is terminated by Client after 3 calendar days but before 7 calendar days have passed, Client will receive a refund in the amount of 50% their initial payment to Consultant.

Client understands and agrees that if agreement is terminated by Client after 7 calendar days, Client will NOT be eligible for a refund and forfeits their payment in full.


“You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you. To cancel this contract, mail, or email a signed and dated cancellation notice to

Ncredible Credit Repair LLC

305 NW 5th Street, Unit 1792

Oklahoma City, OK 73101

before midnight on the 3rd day which begins after the date you have signed this contract stating "I hereby cancel this Business Credit Agreement, Signed (Client Signature) (Date of Signature)"

Please acknowledge your receipt of this notice by electronically signing* the form below.


Electronic Signature *

I hereby acknowledge the receipt of my Right to Cancel. I have read and understand the terms of this agreement, and I acknowledge that I have received a copy of my Consumer Credit File Rights. By signing this Agreement, I also acknowledge and agree that I have read and agree to all of the terms of this Agreement. If I chose not to agree to any of the terms herein, I understand that Company will not be able to represent me, nor will I be a Client of Company.

* In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures.

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Signature Certificate
Document name: Business Credit Building Program
lock iconUnique Document ID: d7aadc1c58ca9069254706c4cb20c83425910907
Timestamp Audit
June 18, 2020 6:34 pm CSTBusiness Credit Building Program Uploaded by Jonathan Robinson, Mgr - IP
June 19, 2020 2:44 pm CSTNcredible Credit Business Credit Advisory Team - added by Jonathan Robinson, Mgr - as a CC'd Recipient Ip: