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You are not your business.
Read that again, sis. Because this is the root of why so many brilliant women stay underfunded, overextended, and quietly burnt out behind the scenes.

You’re using your personal credit to fund a business that was supposed to buy your freedom. Instead, it’s maxing out your cards, tanking your score, and keeping you locked in a cycle of hustle and hope.

It’s time to separate church and state.
Your personal finances are sacred. Your business finances are strategic. And when you learn to treat them like two entirely different entities, the doors to real money start to open.

Let’s talk about how to do it The Profit Way—with clarity, structure, and a whole lot of CEO energy.

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Why This Separation Is So Important

1. Legal Protection

If your business gets sued, your personal assets can be at risk if the lines are blurred.
When everything runs through you personally? Your house, savings, and even your tax refund are fair game.

2. Tax Benefits

Mixing funds makes it harder to track expenses and claim deductions. It can also flag you for audits and missed opportunities.

3. Business Credit Building

You can’t build business credit if everything runs through your personal cards and accounts. It’s that simple.

4. Investor + Lender Credibility

Funders look for a clean, structured business. If your finances look like a tangled web, you’re going to get skipped.

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Let’s Define the Two

Personal Credit

This is your Social Security-based financial identity. Your credit score tells lenders how well you manage your personal obligations:

• Student loans
• Auto loans
• Credit cards
• Mortgage
• Personal lines of credit

Your personal credit score is typically calculated by:

• Payment history (35%)
• Credit utilization (30%)
• Length of credit history (15%)
• Mix of credit (10%)
• Inquiries/new accounts (10%)

Scale: 300 to 850 (FICO score)

Business Credit

This is your Employer Identification Number (EIN)-based credit profile. It reflects how your business manages money.

Business credit is reported to:

• Dun & Bradstreet (Paydex Score)
• Equifax Business
• Experian Business

It includes:

• Net 30 vendor accounts
• Business credit cards
• Business loans and lines
• Leases, equipment financing, and trade credit

Scale: 0 to 100 (for Paydex) and unique scoring for others

Alexcia’s Wisdom: Think of your personal credit as your personal reputation. Think of business credit as your business’s credibility in the financial world. They serve different masters. Keep them separated.

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The Dangers of Using Personal Credit for Business

1. Personal Liability: If your business can’t pay the debt, you are on the hook.

2. Maxed-Out Utilization: High usage on personal cards kills your score fast.

3. Risk of Denials: When your credit score tanks, you won’t be able to get new credit when you actually need it.

4. No Business Credit Growth: You’re building your business, but not your business credit. You’re stuck.

5. No Scalability: As your business grows, your personal finances can’t keep up. You need funding options with leverage.

Alexcia’s Truth Bomb: Your personal credit was never meant to carry the weight of your business. That’s not freedom. That’s financial codependency.

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How to Separate Church and State in 10 Steps

Here’s what it really looks like to establish strong boundaries between your personal and business finances.

Step 1: Register Your Business Entity

LLC, S-Corp, or Corporation. Do not operate as a sole proprietor if your goal is funding, protection, and growth.

Step 2: Get an EIN

Your business’s social security number. Apply for free at irs.gov.

Step 3: Get a Business Address

Use a virtual office or coworking space address. Never a P.O. box or your home.

Step 4: Open a Business Bank Account

All business transactions should flow through this account. Keep it clean.

Step 5: Get a Business Phone Number + Email

Use a tool like RingCentral and create a branded email (no Gmail).

Step 6: Build a Simple Website

Even a one-page site adds legitimacy and gets you listed online.

Step 7: Apply for a DUNS Number

Required to start building your Paydex business credit score.

Step 8: Start with Net 30 Vendor Accounts

Vendors like Uline, Quill, and Grainger report your payment history to business bureaus.

Step 9: Use Only Business Cards for Business

Even if your personal credit is perfect, stop using it to carry your biz.

Step 10: Track and Monitor Separately

Use QuickBooks or Wave for bookkeeping. Check your credit reports monthly.

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But What If I’m Already Mixed Up?

First of all, don’t panic. Grace over guilt.

Here’s what to do:

1. Draw a line in the sand today. No more using personal cards.
2. Transfer recurring expenses (subscriptions, inventory, software) to your business card.
3. Begin paying back personal loans from the business account with a clear paper trail.
4. Fix what’s reporting wrong. Dispute personal credit items that belong under your business.

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The Long-Term Payoff

When your business has its own financial identity:

• You can access credit and capital at scale
• You can get approved for higher limits, faster
• You can sell or franchise your business down the line
• You can grow without risking your family’s financial safety

That is real power.

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Download: Fundability Separation Checklist

This printable download walks you through everything you need to:

• Separate your finances
• Create a compliant business credit profile
• Avoid the 10 most common early mistakes

[Download Now] (Canva + PDF version)

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The Profit Way Commandments

1. You are not your business. You are her boss.
2. Your business deserves its own credit, identity, and power.
3. Stop funding your empire with your emergency fund.
4. Fundability isn’t a mystery. It’s a method.
5. Protect the bag—yours and your business’s.

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Next Steps

If you’ve been using personal credit to float your business, you’re not alone. But it’s time to make a shift. With the right steps, your business can grow its own financial legs—and walk, run, and fly.

• Start with the checklist and audit your current setup.
• Update your business foundation using the steps above.
• Join The Profit Society for weekly tips, tools, and training on fundability, credit, and business building.
• Book a 1:1 with Alexcia for personalized guidance on fixing your structure and building your credit strategy.

Let’s stop putting our dreams on personal cards.
Let’s build credit the right way.
Let’s do it The Profit Way.

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About the Author
Alexcia is the founder of The Profit Way, a financial empowerment brand for women in business. With a background in federal tax administration and nearly two decades of experience, she now helps women protect their assets, build strong financial systems, and fund their empires without stress or shame.