If you’re thinking of applying for a business credit card with no personal credit, you might run into a few problems. For anyone in business, using a business credit card can assist with your operational cash flow and even help to expand your business. A business credit card can also help to keep your business accounting systems in order and assist with expense reporting at tax time. You’ll have a simple credit card statement to use as verification rather than having to mess with receipts and paper forms.

So how do you apply for a business credit card with no personal credit? It’s a good idea to apply for your business credit card before you really need it. Submitting your application when your company has plenty of cash in the account or when your company is still being established. The beauty of submitting your application early is that you only pay interest on any balance you owe, so while you still have ample cash reserves in your account means you won’t be building a balance.

Unfortunately most business credit card issuers won’t approve your application without your agreement to the personal liability section. This means the lender will consider that you’re personally liable for the credit card debt in the event that your business can’t repay the debt and so they’ll check your personal credit history. This is where it’s important to find a lender that doesn’t consider your personal credit in relation to your business credit card.

If you do find a company willing to negotiate for a business credit card with no personal credit, then you can should steps to improve your chances of acceptance before you apply. By showing a regular and consistent payment history with business expenses and bills as well as personal payments then you may be considered. It’s important to keep your business accounts, bills and book-keeping completely separate from your own personal accounts so that you have records to display if needed.

It is possible to submit your business payment history to all three of the credit bureaus. This voluntary submission establishes a credit score for your business rather than for you and it will then be registered with each bureau. From there, be sure to keep up with all payments to your business creditors and report these regularly too. This helps to build a good credit record for your company.

Once you’ve completed these steps, approach your business credit card lender and submit your application. You’ll find that the need to use your own personal credit may be overlooked in favor of using your business’s own credit score instead.