Aged Shelf Corporations And Business Credit Faq

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Aged Shelf Corporations And Business Credit Faq

Partnering with an established business can boost the effectiveness of your marketing efforts. Potential customers are more likely to trust a well-known business than a new entrant. Such a partnership also increases your odds of securing a business loan. Starting your enterprise becomes easier when you have an operational corporation or LLC at hand. This gives you more outsourcing options and enhances the company’s credit. When you register the business as a foreign entity in your jurisdiction, you can use our mail forwarding service. We offer corporate resolutions to maintain the integrity of your corporate veil, giving you limited liability in business transactions, also known as asset protection.

Start building your business credit as soon as you launch your operations. Applying for credit, identifying lenders, and establishing a positive payment history all take time. Reporting this positive history to the business credit bureaus also requires time.

Contrary to popular belief, the name of a shelf company isn’t as crucial as its actions. Yet, every entrepreneur wants a name that stands out. Start by acquiring a shelf company and registering it in your home state. Next, check if your preferred name is available there. If it is, file a “Doing Business As” (DBA) in that jurisdiction. Remember, lenders often view name changes as the formation of a new company, so avoid changing names if you want to maximize your funding options.
Avoid choosing business names that include terms like ‘funding,’ ‘investment,’ ‘holding,’ ‘capital,’ or ‘real estate.’ Also, actively search for and steer clear of industries listed under “high-risk NAIC codes,” as lenders tend to avoid these sectors.
Don’t change the company name or switch its structure from an LLC to a corporation or vice versa, as lenders will view this as creating a new entity. Such changes are likely to reset the age of the company, which can impact your ability to secure business credit.
Using a shelf firm, you can secure original publication rulings, obtain operating agreements if you have an LLC or bylaws if you’re a corporation, and gain the release of control over the business.
When looking for a shelf company, it’s crucial to do thorough research. Ensure the company has no liabilities. The seller should guarantee that the shelf firm and the shelf LLC have no debts. For comprehensive insights and trusted options, consider visiting Make sure the company you’re considering has no previous owners, offers a diverse range of corporations, and sets reasonable prices. You can make an informed choice about your shelf company acquisition with the right guidance and information.
Consider using a virtual office for better flexibility and access to business credit. Opt for a business address over a home address, PO Box, or UPS store. To learn how to set up a business address that maximizes your business credit, follow this link:

Foreign-qualify your company in the state where you plan to conduct business or operate. You can act as the company’s registered agent. This agent serves as the point of contact if the government or another jurisdiction requests company information. Register your business as a foreign LLC or corporation in your home state. To learn more about how to file your corporation in another state, follow this link:

Lenders mandate that you serve as the Director and Officer of the corporation applying for corporate credit.
To build business credit, you need to maintain transparency, meaning your company’s business address and signature must appear in official records. Lenders cross-reference these public records with the loan application to verify the business credit application.

For guidance on preparing your shelf company for business credit building, click on this link:

We don’t recommend forming an offshore shelf company for the purpose of building corporate credit or accumulating funds, as it offers no clear benefits.

No tax cuts are on the table, and lenders will require you to register the shelf company in your state before applying for credit. Apart from incorporation, no tax benefits exist.

Regulators assign EINs randomly, making it impossible to determine the age of an EIN. Business owners often ask this question when trying to build corporate credit. Companies promoting corporate credit schemes may misrepresent this fact. Moreover, a corporation without an EIN is less likely to face accountability.

The IRS has stopped accepting nominee EINs, and our business complies fully with all IRS regulations, avoiding the use of nominee EINs. Using a nominee, EIN can lead to complications. We help clients who aim to operate within the bounds of the law.

You need to reveal your ownership stake in the company to the bank when you apply for business credit. Banks require this information to understand your role and relationship within the company before approving a loan. Anonymity doesn’t exist in business credit; your name must appear in public records, and you can’t appoint a “nominee” as Director or President.

You can use your Social Security Number when applying for an Employer Identification Number (EIN) with the IRS. For more information, visit

Visit to determine the licenses you need. First, register your company as a foreign entity in your jurisdiction. Then, secure county and city business licenses if your area requires them.

Once you acquire the shelf company, apply for an EIN, register your business in the state where you plan to operate, secure a local or state-level business license, build corporate credit, and seek financing.

You can build business credit in about 4-6 months with good personal credit.

Fixing bad personal credit will take about 1-3 months, and then you can build corporate credit in an additional 4-6 months. Sometimes, the process may take less time. You can also build business credit independently from your personal credit by filling out the business credit application without your SSN.

We prioritize your privacy and confidentiality. You have the choice to buy an established business. Instead of posting a catalog of available aged-shelf companies online, we prefer to email you the list. This approach better protects your interests when making a purchase, giving you the discretion to share why you bought an existing firm if you choose to do so.

We register our own companies and LLCs, maintain them in-house, and ensure they are all in good standing. Compared to other providers who sell aged-shelf companies that are often not in good standing and have been disbanded, we offer only high-quality businesses for building corporate credit. Buying a disbanded company can result in “red flags” when lenders or credit rating agencies investigate, making it difficult to secure funding. Furthermore, the company’s age could reset to the date of its re-establishment if it wasn’t consistently in good standing. With our approach, you avoid these issues.

Business credit bureaus gather data from a range of sources, including official records, court and conviction records, lawsuits, business registrations, Yellow Pages, 411 listings, interviews with business principals, creditor and business reports, website statistics, and financial statements. This comprehensive data forms the basis of a company’s credit profile. To ensure credibility, all publicly available information should match the details on the business credit application exactly.

The shelf company’s age: Lenders won’t extend credit to companies that are less than two years old.

Business Licenses: A corporate license confirms the company’s compliance and protects its shareholders. None of our shelf companies have a business license because they didn’t need one. When you obtain a business license for the shelf company in your state, you’ll appear as the first owner on record in the application.

Location: After you acquire a shelf corporation or shelf LLC, register it in your state and secure a business address. Operating from a business address gives you a significant edge, as home addresses typically receive lower ratings and less support. For a cost-effective solution, compile a list of businesses you interact with, such as real estate agents, life insurance agents, or dry cleaners. Offer them $100 per month for office space and mail collection services. Then, list this location as your company’s business address. Avoid using virtual workspaces like UPS locations or other virtual office services.

Annual revenues: If the company has no revenues, rely on sales projections. Our shelf corporations didn’t generate any sales because they had no business activity.

EIN: You need an EIN to open bank accounts and conduct business. Our shelf companies don’t come with an EIN. You’ll need to file Form SS4 with the IRS to get one.

Number of Employees: Think about hiring paid professionals like tax advisors, attorneys, or business consultants. Our shelf corporations don’t have employees and don’t owe any employment taxes.

Information required: You need a DUNS number to get store credit. The level of funding you require and the specific financial institution will determine if you need to provide additional information.

Bank accounts: When you secure funding, the bank will ask you to open a new account, making your existing account a secondary one. You’ll likely open this new account at the same bank that extends the credit. Our shelf companies come with something other than an EIN or bank account. Using a shelf company with an existing EIN or bank account exposes you to risks like inconsistent business reports, outstanding debts, back taxes, or potential legal actions. Why would someone sell a two-year-old shelf company with an EIN and a bank account if they’re trying to evade responsibilities? For all these reasons, never use a shelf company or LLC that already has an EIN or existing bank account. The safest option is a company without an EIN or a bank account. After buying the business, you must obtain an EIN and open a bank account yourself. The IRS provides EINs for free, and as the owner, it’s your responsibility to get one. Don’t pay a third-party vendor to obtain your EIN for you. For guidance on how to open a business bank account, please visit this link:

Websites: Your company should have a website and a dedicated email address. The website’s name does not have to be the same as the name of the shelf company. You can also have a DBA for the company to include on the website.

Phone Numbers: The phone number must be a physical landline number. A VOIP line can also be used, but a landline is preferred. The phone number must be in the company’s name rather than yours.

Shelf Company Fraud: Be suspicious of buying a company from an incorporator that resurrects defunct corporations. A restored shelf company is not legitimate if the initial owners did not consent to the filing. If a shelf business is resurrected, the bank or financial institution can fail to remember its age (from the date of incorporation). From the bank’s perspective, the shelf company’s existence started again on the day it was rebuilt. When a 20-year-old company was reinstated at this stage last year, the age was one year. It is not a 20-year-old company because, for example, it has been dissolved or has been inactive for the past 20 years.

The aged shelf company’s seller can inform you that the 20-year-old shelf company is 20 years old. The documents are official when they are from the Secretary of State; nevertheless, how the bank perceives the corporation’s age varies significantly from how the incorporator who is attempting to sell you the company perceives it. An incorporator who persuades you to buy an expensive business, regardless of age, but does not teach you the facts about how banks make decisions is committing fraud. This is true if the incorporator is aware that you are looking to establish commercial credit for the entity you are purchasing.

The second part of this scam is the reinstatement of such shelf companies without the owner’s permission. The scammer came and reactivated a dormant company, leaving the legitimate owners in the dark. In several instances, this is dangerous. To begin with, it is illegal to resurrect an entity that does not belong to you. The phrase “mail fraud” comes to mind right away. Second, selling you a company that has been illegally reinstated is a form of fraud. Finally, obtaining an EIN and opening a bank account in the name of a company that does not belong to you are felony crimes punishable under federal law. The danger is not worth the trouble. In collecting the funds, the trader could even be engaged in wire or postal theft, which may be called money laundering.

Someone should only own a company if they hand you a certificate of good standing and a series of submitted papers of incorporation. And if you do business with a company that the lender did not own, you do not own it. Receiving stolen property is a serious offense. Penalties, both civil and criminal, are both likely and unavoidable. This is a massive case of corporate identity theft.

The restored company may have undiscovered obligations such as bad debt, back taxes, unfiled tax returns, and convictions. Imagine throwing your money, income, effort, and commitment into a company you thought you owned but didn’t, just to see the IRS show up. Why stress yourself out and go round and round in circles?

You are best off buying an off-the-shelf company that has been filed and run by the same people for a long time. We may not promote reborn companies. We only sell companies that we have registered, held in good standing year after year, and have only sold once. Since we are the incorporators, you are referred to as the initial participant.

Refrain from being easily convinced by companies who are dishonest; they won’t hesitate to complicate your life in the process.

Please see our how-to video found here:

  1. Incorporate as an LLC or corporation. Sole Proprietorships don’t get funded. Avoid them. 
  2. An older company is better than a newly filed company. An organization that has been in operation for two years has a significant edge over a new company. Starting your business with an established firm gives you the ability to resolve sales objections and increases your reputation. This raises revenue and bank deposits, resulting in greater access to finance.
  3. File your company into your state or wherever you intend to do business. If you buy a business from another jurisdiction, you must relocate it to your state. This is referred to as “filing as a foreign entity” or “qualifying” to do business. This is both natural and necessary. Lenders want to see that the corporation is doing business in the state where it will eventually do business. They will want to see that you are doing your company from a safe distance.
  4. Consistency of information is critical to vendors and lenders. The business address and facts about the principals must be clear with both public information sources and the credit submission. This ensures that the records on the Secretary of State’s website must match the details on business licenses and any applications for business credit. Inaccuracies are detrimental to your success.
  5. The business owners must be listed on the public record. When applying for business credit, there is no privacy from the public record. 
  6. The address of the company must be commercial or industrial. Consider a virtual office. Do not use a UPS Store, a home address, or a PO Box. 
  7. Build a website and obtain an email address that’s based on that website. Instead, use an email address from a website, such as Yahoo or MSN. Pay for a website, customize it, and use your domain name with your email address. For example, your email should end with “” 
  8. The company name matters. Avoid brand names that imply high-risk markets or cash-based companies. For example, lenders consider pawnshops, cash exchanges, liquor stores, vending machines, money order transactions, yacht sellers, and pizza restaurants high-risk. To prevent this problem, do not locate your company in a high-risk sector. Do an online search for “HIGH-RISK NAIC CODES.” 
  9. Business credit is built on the EIN of the company and your SSN. The Employer Identification Number (EIN) is used to identify the business to the IRS and lenders. Do not provide your SSN on the business credit application if you must have a personal pledge.
  10. Open a business account in the name of the company. Don’t use your personal account for your business affairs.
  11. List Your Company With 411 Information Services. In order to obtain a 411 listing for your company, visit

Please see our video:

  1. Understanding the terms of lenders and then following those requirements are needed for business credit acceptance. The business address and phone number are important factors when applying for business credit.
  2.  You need to incorporate it into a corporation or LLC. Don’t use a sole proprietorship.
  3.  An older company will perform better than any new company.
  4. Apply for an EIN for your company. Build business credit under that EIN.
  5. To establish business credit, you must have a business address, a business phone number, a business fax number, a business website, and a business email address.
  6. Obtain a physical address for your business. To apply for the lease, use the company name and EIN. Do not use a UPS Store, a home address, or a PO Box as your business address. Using the Social Security Number only if the landlord requests a personal commitment. An older business can secure a lease better than a younger company. For a list of aged shelf companies, please visit
  7. Make sure your business phone number is included with your company’s name and EIN. The business phone bill must be addressed to the business account rather than the home address or PO Box. Landlines are well-regarded in the banking industry. Many phone companies have a “Market Expansion Line.” It is a telephone company hardline, and calls may be routed to your mobile phone. VOIP phone numbers are also effective.
  1. The billing for the fax number must be the business address of the company.,, and all offer fax numbers.
  2. Register with 411 resources until the business address, phone, and fax line are resolved. is the quickest way to make that happen.
  3. At least one business credit rating firm evaluates a company’s reputation based on its leasing district and per capita revenue. Look up the most expensive zip codes in your region. Then, set up a virtual workplace in one of those zip codes.
  4.  Ensure that the contract invoice, contact number, fax number, internet bill, and all other bills are sent to the business’s commercial address and EIN. Again, do not expect to collect any of these bills at your house, PO Box, or UPS Store.
  5. Both bills’ names would fit the name registered with the Secretary of State. This information must also correspond to the name on all company licenses and permits. This attention to detail in applications should be noticed.

Please visit our instructional video here:

Building business credit requires certain steps in a certain order. You can’t get a bank loan on day one. You must prepare the business to make that final step. Where do you start?

  1. Make the company ready for business credit (
  2. List the business with Business Experian and Equifax.
  3. Both will share information with the small business exchange (SBFE).
  4. Then, the SBFE will share that information with D&B.
  5. D&B will send your business a free DUNS number.
  1. Build vendor credit before anything else.
  2. Retail credit
  3. Fleet credit
  4. Cash Credit 
  5. Bank loans

Most people begin with bank loans and fail. However, applying for a bank loan is the final step in establishing business credit. To secure a bank loan, you must first complete a set of procedures to complete the bank application.

  1. Please see our video here:

    Most vendors require you to buy from them several times before opening a credit account. Apply for a line of business credit with that vendor. Expect the line of credit to be a low amount and to pay it within 30 days. Consistently turn in payments early. Some vendors include ULINE, GRAINGER, HARDWARE EXPRESS, SUPPLY WORKS, ADVANCE AUTO PARTS, and MARATHON.


    You can apply for lines of business credit with companies such as WAWA, 7-ELEVEN, SHEETZ, STAPLES, VALVOLINE, TIGERDIRECT, OFFICE DEPOT, HOME DEPOT, QUILL, GEMPLER’S, and RELIABLE OFFICE SUPPLIES.


    Continue building business credit with TRACTOR SUPPLY, BP, CITGO, SHELL, and SUNOCO.


    Once you have around six months of business credit established and multiple accounts reporting; then you can move up to the retail credit tier. The retail credit tier includes companies such as BESTBUY, APPLE, COSTCO, and AMAZON.


    Fleet credit is used to buy fuel, repair, and maintain vehicles of any type. Taxis, trucks, buses, and company cars are examples of vehicles that a company may need to manage. These vehicles may be used for logistics as well as transportation of goods and passengers.


    You can obtain revolving lines of credit from companies such as TOYOTA, DELL, SAMS CLUB, and AMERICAN EXPRESS.

    1. Paypal
    2. Amazon with Bank of America
    3. Amazon Marcus
    4. Amazon Corporate Card
    5. Fundbox
    6. Account Receivable Financing
    7. Square