The 4 Best Business Credit Consultants in 2026

There are many business credit consultants online who can help you gain insight into how to fix or improve your business credit and fund your business. That being said, who can you trust?

We look at some of the best business credit consultants to get you started.

Best Business Credit Consultants Compared

List of the Best Business Credit Consultants

1. Josh Van Horn
2. Marvin Smith
3. Noelle Randall
4. Marco Carbajo

Best Business Credit Consultants Compared

1. Josh Van Horn

Josh Van Horn is the founder of the YouTube channel, Get Business Credit.

If you’re a new small business owner, you’ll find his content especially informative. He creates content around building business credit and accessing no-PG business credit.

According to his YouTube Channel, he has helped students access over $3 million in funding.

His content encompasses step-by-step guides, business credit card reviews, and more.

His YouTube channel is his primary source of content. He doesn’t have a separate website where he offers additional content or services.

That being said, he does state that he offers private business credit mentorship. If you want to take advantage of this, you can find his contact information on his YouTube channel.

2. Marvin Smith

Marvin and Gloria Smith are business credit consultants who teach business owners how to raise capital and build business credit using their own experience-backed systems.

They create content around leveraging credit unions to get financing with bad credit. They also discuss EIN-only lenders, credit rule changes, and more.

Marvin and Gloria Smith have more resources beyond their YouTube channel, however. You can also take advantage of:

• A Free Business Strategy Call: If you want direct support, you can book a one-on-one call with them. “Get immediately approved for $250,000 in business funding in 90 days without a lot of inquiries.”
• DIY Credit Software: Marvin and Gloria have their own credit software on Luxury Credit Hacks. This AI software generates dispute letters for you so you can fix your credit profile and credit history. It acts like a credit repair company and costs $39.95 per month.
• Their $150k Business Community: Are you looking for community as you navigate your business credit-building journey? Their $150k Business Community helps you connect with other small business owners, taking the next steps to financing.

They also have social media to stay on top of new content and service-related updates.

3. Noelle Randall

Noelle Randall is a business credit consultant, but she does much more than that. She’s also a teacher on real estate, broader business topics, and wealth growth. Whether you’re looking to make money in general or run your business, you can go to her.

Her YouTube channel offers just a brief overview of some of the topics she covers. You’ll find much more content on her website.

Noelle Randall offers small business owners like yourself support in the form of:

• E-books, which she offers for free.
• Affiliate links to business credit solutions or business banking solutions you need. You can save money on the business credit building process this way.
• Courses that you can take. For business credit, you can take the Express Business Credit Builder course. She also offers real estate courses, short-term property rental courses, and even car rental courses.
• Her mentorship program. Alongside courses, she offers group coaching calls and access to resources and tools.

Noelle Randall’s content can be useful if you’re focused on many entrepreneurial endeavors at once. Still, if you’re only interested in business credit content, you’ll find something here.

4. Marco Carbajo

Marco Carbajo is a seasoned business credit expert. He has over 22 years of experience across the business credit and business financing industries.

A notable presence in the space, Marco Carbajo is a business credit blogger for Dun & Bradstreet Credibility Corp, SBA.gov, and other major websites.

He’s the founder of BusinessCreditBlogger.com and the Business Credit Insiders Circle.

BusinessCreditBlogger.com is a rich resource covering a wide range of topics, including:

• Business credit and consumer credit
• Funding and lenders offering accessible loans
• Business credit programs to build a strong business credit profile
• Marco’s business credit system
• Real estate funding (such as SBA loans)
• Marco’s business credit engine

The Business Credit Insiders Circle features his products and financial services. Here, you can find:

• Access to a free business credit building audio.
• The Business Credit Building System. It helps you separate personal credit and business credit. It guides you through completing all 20+ compliance steps needed to get approved for business credit.
• Help with receiving business lines of credit. He states that his clients get anywhere from $50,000 to $150,000 in unsecured revolving lines of credit.
• Help with access to other forms of business funding (business credit lines, business loans, or another financing option).
• The AI Credit Pro tool. This is a tool that sends disputes to each business credit bureau to help you improve your business credit score. This is crucial to building strong business credit over time.

Conclusion

All of these business credit consultants can give you insights into how to build business credit. However, you still need to start somewhere. You need the tools to start building business credit and monitoring your progress.

FairFigure offers everything you need to begin your credit-building journey. For instance, you can get a free business credit check or take advantage of our paid plan.

Our Premium business credit monitoring service only costs $35/month. It helps you track your scores and credit reports across Creditsafe, Equifax Small Business, and Dun & Bradstreet.

You also get your FairFigure Foundation Score (determines fundability) and access to our wide range of credit solutions.

Each payment goes toward building your credit score. We report to the following credit agencies: Experian Business, Equifax Business, the SBFE, Creditsafe, and our own Foundation Report. We now also offer:

• Real-Time Updates: We’re the only company to update business credit scores and reports the same day. If you want to stay on top of every business credit score and business credit report in your credit profile, start here.
• The FairFigure Lift Card: Fund your business with the FairFigure Lift Card instead of being rejected by traditional lenders. We extend funding based on revenue. All credit terms require at least $2,500 in monthly revenue and three months in business.
• The Marketplace: Access business credit building offers designed around your needs. Explore vendor accounts to build trade credit and similar business credit accounts.

Sign up for a FairFigure account today!