Stage 5 · The hinge
Credit Engine
U.S. personal and business credit, built in the right order. Finish here and you have what you need to start acquiring — and to fund the travel tier later.
The sequence is the product
U.S. credit for non-residents is deliverable but order-dependent: business credit file setup, net-30 vendor tradelines building toward a strong Paydex score, EIN-only fintech cards (Ramp, Brex, Mercury — each gated on cash balance and a genuine U.S. address), business card applications timed correctly, and personal credit via Amex Global Transfer where your country of origin qualifies.
The Amex Global Transfer shortcut
If American Express issues cards in your home country — confirmed origins include the UK, Canada, Australia, India, Mexico, Nigeria, Kenya, Brazil, and the Dominican Republic — you can transfer your card relationship to the U.S., the single fastest legitimate route to U.S. personal credit. If your country doesn't qualify, the secured-and-builder path works; it simply takes longer. We tell you which path you're on before you pay — or check yourself right now with the free Country Path Checker.
Check your country's pathWhy this is the hinge
Credit is the bridge between owning a U.S. company and owning U.S. businesses. A finished credit build is exactly what acquisition financing needs — which is why this stage qualifies you for everything above it on the ladder.
Packages & pricing
Three tiers, every price public
Milestone-delivered: you see progress at every step, and fees map to work performed — never to promised outcomes.
US Credit Foundation
- 2-hour credit strategy session
- Business credit file setup with the bureaus
- 3 starter vendor tradelines
- Bank introduction
- 6-month monitoring
- Credit roadmap
- 3 monthly coaching calls
Business Credit Accelerator
- Everything in Foundation
- 5 additional tier-one accounts
- Up to 3 business card applications
- Utilization strategy
- 12-month monitoring
- 6 monthly calls
- Financing-readiness guidance
- Foreign-friendly lender introductions
Financing Fast-Track
- Everything in Accelerator
- High-limit card strategy
- Loan & equipment financing package prep
- Tier-one lender relationships
- 24-month monitoring
- 12 monthly strategy calls
- Growth financing roadmap
What we never promise
We never promise a specific limit, score, or approval. The product is sequence and execution — issuers decide outcomes. Anyone guaranteeing you a credit number is not telling you the truth.