Age Alone Is Not Enough — Structure Determines Approval
Your corporation must be properly prepared before you apply for funding.
Credit-Ready Features Included FREE
Credibility & Verification Features
1. Professional Business Address Structure l VALUE: $150
A lender-credible address configuration that aligns with your business model and passes basic underwriting checks.
2. IRS Company Registration — (Tax ID / EIN Setup) l VALUE: $100
Ensures your corporation’s IRS records are properly established for banking and funding.
3. IRS & State Compliance Setup l VALUE: $150
Filings, record alignment, and state-level structure reviewed so the entity is ready for lender review.
4. 1st Annual Report / Secretary of State Officer & Address Update l VALUE: $150
Ensures your corporation’s public records and officer information are properly configured.
5. NAICS Code Alignment — Low-Risk Category l VALUE: $100
Your NAICS classification is intentionally selected to match lender-preferred, lower-risk industries.
6. Bank-Account-Ready Corporate Profile l VALUE: $150
Your corporate structure is prepared so you can open a business bank account without unnecessary friction.
Structural Credit-Ready Features
7. Lender-Compliant Business Phone System Setup l VALUE: $250
A dedicated, professional business phone line configured to match lender verification standards.
8. 411 Directory Listing l VALUE: $100
Your business phone number listed in the national 411 directory so lenders can validate your corporate identity.
9. Yellow Pages Listing l VALUE: $100
Lender-verification directory listing that reinforces legitimacy.
10. Super Pages Listing l VALUE: $100
Still used by many banks and underwriters for basic legitimacy checks — lenders want to see it.
11. Yelp.com Business Listing l VALUE: $100
A modern, publicly verifiable business listing lenders can cross-reference.
12. Bing Search Engine Listing l VALUE: $100
Ensures your corporation is visible and verifiable across major search engines.
Advisory & Protection Features
13. Consultation With Asset Protection Attorney l VALUE: $400
Initial guidance on entity protection, liability structure, and long-term safety.
14. Consultation With Corporate CPA l VALUE: $350
Ensures your corporation’s IRS records are properly established for banking and funding.
TOTAL Credit-Ready Features VALUE: $2,300
OPTIONAL FEATURES
1. Beneficial Ownership Information (BOI) Report Filing l $1,299
The Corporate Transparency Act requires all eligible businesses to file a BOI Report with FinCEN. Entities registered before January 1, 2024, must comply by December 31, 2024, while new entities have 30 days from their registration date. Failure to file may result in fines of up to $500 per day, civil penalties of $10,000, and up to 2 years in prison. Compliance with this requirement is mandatory to avoid severe legal and financial penalties.
2. Experian Intelliscore Plus l $250
The Experian Business IntelliScore Plus is a credit scoring model developed by Experian, one of the leading credit reporting agencies. The score ranges from 1 to 100, where higher scores indicate lower risk. A higher score means that the business is less likely to become delinquent on payments. This Credit Score will eventually be assigned to your Business by Experian, but we can speed it up and get it assigned right now, thus helping you improve your probability of being approved by Lenders.
3. Corporate Governance Document Templates l $250
This Document Template Package includes By-Laws, Meeting Minutes, Corporate Resolutions, Stock Certificates, and many other corporate documents you will need to establish the internal structure and operations of your Shelf Corporation.
4. Merchant Account Setup - accept all credit cards and eChecks l $350
Get a REAL USA Merchant Account to accept VISA, MASTERCARD, DISCOVER, and AMERICAN EXPRESS payments from your Customers. Get Deposits within 24 Hours into your Business Checking Account. Please note there may be a One-Time $499 Activation Fee once your Account is Approved, depending on results of underwriting. Underwriting may require additional information from you.
5. Corporate Cash Credit Funding Program l $3,499
Full CorporateCashCredit.com Corporate Credit Building and Funding Program. Get your 80 Paydex in 45 Days, then go to Banks for Stated Income Business Loans and Lines of Credit, and continue building your Business Credit Rating for a Full 6 Months, all for one Low Flat Fee. Discounted 10% Success Fee!
6. Website Setup, Domain Name, E-Mail System ($25/Year Recurring Fee) l $299
Get a nice Basic Website for your Aged Corporation using your own Custom Domain Name, such as YourBusinessName.com. This will not only give you an added level of Credibility and help Lenders verify your Business, but it may make the difference between being Approved or Denied for a Financing Application, since some Lenders REQUIRE that you have a Corporate Website. Also get a Fully-Featured, Professional E-Mail System, using your Custom Domain Name for the ultimate in Professionalism. No more Yahoo and AOL E-Mail Addresses that make you look like a Joke – Get a Real BUSINESS E-Mail System for you and all your Employees.
7. Custom Website Design and Coding l $350
Home Page + Internal Page. Design Work is done by our own Award-Winning Designer that designed this Website + many others. Work is EXCELLENT – Either you are 100% satisfied or 100% of your Money-Back. eCommerce sites add 50%.
8. Custom Corporate Identity Kit l $250
Custom Logo + Business Card + Letterhead. Design Work is done by our own Award-Winning Designer that designed this Website + many others. Work is EXCELLENT – Either you are 100% satisfied or 100% of your Money-Back.
9. Proven Business Plan, Marketing Plan and Financial Projections Template l $250
These Templates are ready to roll – Just edit them to fit your Business and your Goals and you will have everything ready to show prospective Lenders and Investors.
10. Official Corporate Kit w/ Seal made specifically for your Aged Corporation l $1,950
Get a great-looking Official Corporate Kit to keep your corporate affairs correctly documented and organized. The Kit includes a Gold-Decorated 3-Ring Vinyl Binder with Corporate Name on spine, Slip Case, 10 custom-printed numbered Stock Certificates, pre-printed Minutes and Bylaws, Agreements, Plans, Elections, Stock Transfer Ledger, 8 Tab Dividers, and Corporate Seal engraved with Corporate Name. Everything you need in one neat package!
11. Local City, County, State Occupational License Combo (Government Fees NOT Included) l $1,999
Get in conformity with City, County, and State Occupational Licensing Requirements. Don’t worry about cracking your head over which Licenses you need and how to get each of them – We will find them and correctly complete the License Applications so all you have to do is sign them and file them. Also, Lenders often ask for proof of Business Licenses during the Underwriting Process, so get your Licenses in place before you start applying for Financing. Cost is $250 + Government Fees.
12. Trade Name Registration Application (Government Fees NOT Included) l $100
Get your perfect Trade Name(s) legally registered with the Secretary of State and use your preferred Trade Name(s) instead of your Aged Corporation’s Legal Corporate Name. Example: You purchase “ABC Inc” Aged Corp and want to run a Marketing Firm, so you file the Trade Name “Marketing Experts” and use this Trade Name as your Legal Business Name. The Legal Corporate Name of your Aged Corp is typically irrelevant – Just file your perfect Trade Name and use that instead. Cost is $250 + Government Fees.
13. Foreign Entity Registration Application in your Home State (Government Fees NOT Included) l $250
So, your Aged Corp is not from the same State you live in? Don’t worry, your Aged Corp can be legally allowed to operate in ANY State of the Country, with no restrictions whatsoever. For example, Walmart was originally incorporated in Delaware in 1969 but is legally registered to operate in all the States in the Country. How can they do that? Simple, it’s called a “Foreign Entity Registration”, and it’s just a Form that can be filed with the State you want to operate in that authorizes your Corporation to operate in that State. By doing a Foreign Entity Registration in the State where you live, you can operate your Aged Corp in your State, open Bank Accounts in your State, and get Financing in your State, just as if you were originally incorporated in your State, all without losing the Aged Corp’s original incorporation date.
14. Nominee Officer Service for Complete Privacy and Asset Protection (Yearly) l $250
Get somebody to be the Officer of Record for the Aged Corporation, so that your Name does not show up on any Public Records. This is Very Important for Asset Protection Strategies where you are trying to keep your Assets Anonymous and under the radar. By using a Nominee Officer, it is virtually IMPOSSIBLE for anyone to know that you are involved in any way with the Aged Corporation you purchase and the assets you might want to transfer into it. If your Goal is Privacy then this is a MUST-HAVE Feature, but beware that it is not a good option if your Goal is to obtain Credit and Financing.
15. Virtual Office Service in State of Incorporation (Yearly) l $350
Get a Real Virtual Office in the State where your Aged Corporation was originally incorporated. This allows you to operate the Aged Corp directly from the State of Incorporation without ever having to do a Foreign Entity Registration in the State where you actually live. WARNING: This Setup is used mostly for Asset Protection purposes – If your Goal is Corporate Credit and Financing, you are better off doing a Foreign Entity Registration in the State where you live and operating the Aged Corp from there, in which case you do not need Virtual Office Service.
16. Registered Agent Service in State of Incorporation (Yearly) l $2,000
Get Registered Agent Service in the State where your Aged Corp was originally incorporated so you can be notified of all important legal and administrative matters concerning your Aged Corporation. Your Aged Corp comes with FREE Registered Agent Service for the first 6 Months, but then you need to have something in place so there is no lapse in coverage. This is not only an important service, it is REQUIRED by law, so don’t forget to add it to your Aged Corp Order.
17. S-Corporation Status Election l $2,999/year
All Corporations are C-Corps by default, but you can turn your Aged Corp into an S-Corp quickly and easily just by filling IRS Form 2553. C-Corps are taxed at the Corporate Level, at Corporate Tax Rates which are almost always higher than Personal Tax Rates. S-Corps, on the other hand, are never taxed at the Corporate Level but are instead taxed as Partnerships : The Corporate Income just flows through to the Personal Tax Returns of the Shareholders, and is taxed at the almost always significantly lower Personal Income Tax Rates. 95% of our Clients make the S-Corp election for this reason, and you probably should too.
18. Amended Articles of Incorporation/Organization (Government Fees NOT Included) l $750
It is beneficial, but not required, to have the Articles of Incorporation/Organization show your name instead of the name of the person who originally incorporated the Corporate Entity, as some Bank/Lenders may sometimes request to see your name on the Articles. This is achieved by ordering “Amended Articles” from the Secretary of State, but you will still be responsible to pay the Fee charged by the Secretary of State, which is usually around $25 to $250, depending on the state the Corporate Entity is incorporated.
Frequently Asked Questions:
Frequently Asked Questions:
Understanding Your Credit-Ready Features
Understanding Your Credit-Ready Features
1. My corporation is already a few years old. Isn't that enough to get credit?
Not exactly. While age is a factor, lenders care more about the structure behind that age. A properly structured company—with verified contact details, correct filings, and low-risk classifications—signals stability. Our Credit-Ready Features ensure your corporation doesn’t just look old; it looks operational and trustworthy to a lender.
2. What do you mean by "credit-ready features"?
Think of these as the behind-the-scenes setup work that makes your corporation look legitimate to banks and lenders. It includes practical things like having a professional address, a dedicated business phone line, and being listed in public directories (like 411 and Yelp). These are small details that make a big difference during a lender’s verification process.
3. Why is it important that my business is listed on sites like Yelp or Super Pages?
When a lender reviews your application, they will try to verify that your business is real. Seeing your corporation’s name, phone number, and address listed consistently across multiple platforms (like directory sites and search engines) proves to them that you are an established, verifiable business, not just a piece of paper.
4. What is a NAICS code, and why is it "low-risk"?
A NAICS code is simply a classification that tells lenders what industry your business operates in. We intentionally select a code that is considered “low-risk” by lenders (like consulting or administrative services). This is important because businesses in some industries are seen as riskier to lend to, so starting with a low-risk code can improve your approval potential.
5. Do the consultations with an attorney and a CPA really help with getting credit?
While these consultations don’t directly impact your credit score, they are crucial for building a solid foundation. Lenders like to see that a business is serious and protected. Getting initial advice on asset protection (from the attorney) and tax structure (from the CPA) helps you set up your corporation the right way, which supports long-term stability—something every lender wants to see.
6. So, what is the main difference between a regular old corporation and one from you?
A regular old corporation might just have a filing date. A Credit-Ready Shelf Corporation from us comes with a complete package of structural features, directory listings, and professional profiles that actively meet lender expectations. It’s the difference between simply having “age” and being fully prepared for funding.
Understanding Optional Features
Understanding Optional Features
1. What is the BOI Report, and why is it important?
The BOI (Beneficial Ownership Information) Report is a new federal requirement under the Corporate Transparency Act. It’s a filing with FinCEN that tells the government who owns the company. Filing is mandatory, and missing the deadline can result in severe fines of up to $500 per day and even criminal penalties. We offer this service to ensure your corporation stays 100% compliant and you avoid these risks.
2. Why would I need a website for my corporation if I'm not running a business yet?
Some lenders actually require a corporate website as part of their verification process before approving financing. Having a basic, professional website with your own domain name (like YourBusinessName.com) adds instant credibility. It shows lenders you are a legitimate, established entity and can sometimes be the small detail that makes the difference between an approval and a denial.
3. What is a Foreign Entity Registration, and do I need it if I don't live in the same state as my shelf corporation?
Yes, you likely will. If your shelf corporation was formed in a different state than where you live and operate, a Foreign Entity Registration is the legal process that authorizes your corporation to do business in your home state. This allows you to open bank accounts and apply for financing locally, all while keeping the original, older incorporation date of your shelf corporation.
4. What is the difference between a C-Corp and an S-Corp, and should I change mine?
By default, all corporations are C-Corps, which means the corporation itself is taxed on its profits. An S-Corp election (using IRS Form 2553) allows profits to “flow through” to you personally, potentially saving you money on taxes since you’re often taxed at a lower personal income rate. About 95% of our clients elect S-Corp status, and your advisor can help you decide if it’s right for your situation.
5. What is a Nominee Officer, and is it right for me?
A Nominee Officer is a service where another person is listed as the officer of record for your corporation, keeping your name off public records. This is primarily used for privacy and asset protection if you want to remain anonymous. However, it is not recommended if your main goal is to obtain credit and financing, as lenders need to see the real people behind the business.
6. What is the Corporate Cash Credit Funding Program?
This is our comprehensive, done-with-you program to build your business credit profile. We guide you through the process to get your 80 Paydex score with Dun & Bradstreet in about 45 days. From there, we continue helping you approach banks for stated income loans and lines of credit over a full 6-month period, all for one flat fee with a discounted success fee.
7. What is the Experian Intelliscore Plus, and why should I get it now?
The Experian Intelliscore Plus is a business credit score ranging from 1 to 100. A higher score tells lenders you are low-risk and more likely to be approved for financing. While this score will eventually be assigned to your business naturally, we can accelerate the process and get it assigned right away. This gives you an immediate credibility boost with lenders who check Experian.
8. What exactly is included in the Corporate Governance Document Templates?
This package gives you all the legal paperwork needed to properly structure and operate your corporation. It includes essential documents like By-Laws, Meeting Minutes, Corporate Resolutions, and Stock Certificates. Having these templates ready ensures you maintain proper corporate formalities, which is important for both legal protection and lender confidence.
9. What is a Merchant Account, and how is it different from a payment processor like PayPal?
A true Merchant Account allows you to accept credit card and eCheck payments directly from customers, with funds depositing into your business bank account within 24 hours. Unlike third-party processors, this setup looks more professional and often has lower fees. Please note there is a separate activation fee upon approval, and underwriting may require additional information.
10. What does the Custom Corporate Identity Kit include?
Our award-winning designer creates a professional, cohesive brand identity for your corporation. The kit includes a custom logo, professional business cards, and branded letterhead. The work comes with a 100% satisfaction guarantee—if you’re not happy, you get your money back.
11. How can a Business Plan Template help me with funding?
Lenders and investors almost always want to see a solid business plan before providing funding. This template pack includes a proven Business Plan, Marketing Plan, and Financial Projections that are ready for you to customize. Simply edit them to fit your specific business and goals, and you’ll have a professional document ready to present to lenders.
12. What is an Official Corporate Kit, and do I really need a physical kit?
An Official Corporate Kit is a professional binder set that helps you keep your corporate records organized. It includes a gold-decorated binder, custom-printed stock certificates, pre-printed minutes and bylaws, a stock transfer ledger, and a custom corporate seal. While not strictly required, it projects professionalism and ensures you have all your important documents in one place.
13. What are Occupational Licenses, and why should I get them before applying for financing?
Cities, counties, and states often require specific licenses to operate legally. Lenders frequently ask for proof of these licenses during underwriting. Instead of researching requirements yourself, we identify every license you need and correctly complete the applications. You just sign and file them, paying only the government fees separately.
14. What is the difference between a Foreign Entity Registration and a Virtual Office?
Great question. A Foreign Entity Registration authorizes your out-of-state corporation to legally operate in your home state—this is the recommended path for most clients seeking financing. A Virtual Office gives you a physical address in the corporation’s original state, allowing you to operate from there without registering in your home state. Virtual Office is typically used for asset protection, not for credit building.
15. What is Registered Agent Service, and why is it required by law?
Every corporation must have a Registered Agent—a person or service officially designated to receive important legal and tax documents on behalf of your company. Your corporation comes with free Registered Agent Service for the first 6 months, but you need to continue it afterward to remain in good standing and avoid legal penalties. This yearly service ensures you never miss critical notifications.
16. What are Amended Articles, and when should I consider them?
Amended Articles of Incorporation update your corporation’s public record with the Secretary of State. While not required, some banks or lenders may ask to see your name on the Articles rather than the original incorporator’s name. If this becomes important for your financing applications, we can prepare and file the amendments. You’ll just need to pay the state filing fee separately, typically $25–$250 depending on the state.
17. If I add multiple optional features, will they all work together properly?
Absolutely. Our team ensures that every feature you select integrates seamlessly with your corporation’s structure. Whether you’re adding licensing, a website, tax elections, or privacy services, everything is coordinated to create a cohesive, lender-ready profile. Your advisor can help you choose the right combination based on your specific goals.