As business activity is getting busier I'm in need of having access to some sort of credit line, somewhere in the range of 50K and ideally something with 0% APR.
On my personal side, I have:
- a credit line combined of 3 Chase cards totaling 41K (plus a very small credit amount on BOA. Also 'additional' to an AmEx card with 30K+ but not sure if this adds to my total line of credit)
- a credit score of 800+
- 1-2 hard inquiries.
But on the business side, I'm a newbie when it comes to credit-card options and would very much appreciate some advice on what's the best way to go. Which business card is great and if/where I have a chance to get approved for a credit line close to a 50K mark - if at all? (if it's not a big deal maxing a business card, I can be fine with 30K range too).
Do I need to go to a pro in this line to get such amount or I should be able to get it on my own? (I once heard, besides the origination fee or other fees a pro will charge to put together a bundle for you, there may also be involved some shifting and messing around with your other personal credit lines, which I'd like to avoid).
(not considering traditional lines of credits being business is still in very early stages with no significant sales/profit history).
Any advice from experience would be helpful and greatly appreciated!