As towards the first question, "What is it?". It is called business credit. It's totally separate because of your personal loan. You can only gain business credit when you create a limited liability company (LLC) or else a corporation (S or C). Happily it's simple to do the above and process, which is do it all out of their house. You can form a company or LLC by contacting the secretary of state of the state you survive in and getting an application mailed to you or it's possible to have a corporate formation company form your LLC or corporation with regard to you. It is not expensive, complicated, or time choosing. The cheaper route is occur yourself by filing employing secretary of state.
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