*Terms of the Business Credit Line
Overview
We are offering this credit line in your business name only. We are providing this credit line without requiring a personal guarantee or personal credit check. In addition, we do not require your business to be a specific age or require you to provide credit references. This means our terms are different than what you might find with a personal credit card since there is significant risk associated with our credit requirements. In addition, this is a business-only (trade credit) line, meaning you can use the credit for any of the services our company provides. The terms of the credit line require you to place a 30% deposit to begin your project. The remaining balance will be paid over five (5) equal monthly payments.
There are no application fees, maintenance fees, or finance charges for these terms as long as you pay your bill on time.
Business Credit Bureau Reporting

When you purchase on your credit line and make payments, we report positive and negative payment history to the major business credit bureaus including Dun & Bradstreet® and Experian® Business.
Note: we do not report on accounts with no purchases or payment history.
Approval Requirements
Applicants must be able to provide proof of a valid operating U.S. business upon request. Acceptable documents include: Business License, Business Bank Statement, Business Utility Bill, or Business Phone Bill.
Business Use
Each use of the credit line constitutes credit for business or commercial purposes to you by us. If you are approved for credit, your account may be used only for purchasing goods and services to be used for business or commercial purposes on behalf of the business. You may not use this account to purchase goods or services for personal, family or household purposes.
Promise to Pay:
You agree to pay in U.S. dollars for all purchases, late charges, over-limit fees, return check charges, and other charges or fees under this Agreement incurred by you or an Authorized User plus collection costs, including court costs and reasonable attorney fees.
Rates and Other Terms:
- Annual Fees: None
- Minimum Transaction Size: None.
- Application Processing Fees: None.
- Promotional Interest Rate: 0% Fixed
- Late Payment Interest Rate: 15% Per Year Fixed
- Payment Term: 30% Down. Balance due in 5 equal monthly installments.
- Prepayment Policy and Fees: Borrower may prepay the entire new balance as shown on the statement without penalty prior to any payment due date.
- Products & Services: This account is only valid for purchases of select products and services offered by Business Marketing Services.
- Standard Cancellation Policy: You may cancel an order at any time prior to work beginning on your project. A processing fee of 10% of the amount paid will be deducted from the refund. After work begins, the maximum refund is 70% of the total order. Actual refund will vary depending on the amount of work completed on your project. This policy is in effect unless otherwise noted on a product or service we offer.
Acceptance of Terms & Conditions
By applying above, the business entity: (1) submits an application for a credit limit in the highest amount we deem appropriate, regardless of any initial sale amount, (2) represents that it has authorized the execution of this agreement; (3) authorizes Business Marketing Services to verify information on the business; (4) represents that the information provided in this application is true and correct and understands that any false information may result in cancellation of the account; and (5) agrees to be bound by the Terms and Conditions.