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[Music] foreign [Music] guys Im so glad to have you guys here I want to primarily speak about business credit business credit so you guys know the difference between business credit and personal credit business credit is a totally different thing it does not show up on your personal credit report so lets get into some banks and lets get into some different you know credit cards for business credit only business credit only you can use this play take the business credit card money and purchase uh your Airbnb Furniture purchase different things for your business and get working capital to start off that business um strong right so Universe this is a bank out in Philly youre able to apply for a business credit card now personally I have not done Univest however they do pull from TransUnion so when you go onto the website make sure you you know you go in and click apply for a business credit card I really recommend that you guys have a strong 700 or above if you have a good personal c