Business Credit Building Questions

[Trey McGovern]

Hey Guys,

So Im pretty new at investing and have some questions on building business credit. 

I have my company registered as an LLC (2 years)

I have my EIN (2 years)

I have my business bank account (6 months)

No D& B number or credit bureau profiles

I have 2 loans against 2 of my properties, and all of this was loaned as my business, but it is obviously personally guaranteed at the end of the day, even after equity securing the loans. 

My  questions are, how does this effect my ability to build business credit? Is there a specific way I need to hold these loans? Anything I should be doing differently? Are they even effecting my business credit profile? Is this better than the CD/Loan/Payoff method of building my business profile? Will more mortgages help? I can easily probably acquire 2 more based off of how I am doing it and the conversations I have had with the bank. 

I also have a very flexible private financier available, and I am wondering when to use them to pay off mortgages strategically to refinance and further boost my credit by paying off large lump sums relatively quickly and easily? (Some of my current loans are massively out of whack LTV wise and I can free up assets by refinancing in a few months) Does that even make sense and work? And if so, when does it look good to the bank? 6 months? 1 year? 2?

My problem is my personal credit stinks for now and I want to access Lowes Credit Cards and other business credit cards to quickly purchase materials, or finance repairs over a few months instead of all cash up front, etc. 

Any tips?