Summary

Section 1: Setup (Weeks 1–2)

Section 2: Credit Activation (Weeks 3–6)

Section 3: Funding Readiness (Weeks 7–12)

The Gig Worker Business Credit Checklist

30–90 Day Timeline to Build Fundable Business Credit

📋 Phase 1: Foundation Setup (Weeks 1–2)

Week 1: Legal Structure & EIN

• [ ] Obtain EIN from IRS (free at IRS.gov) — This is your business credit "Social Security Number"
• [ ] Choose business structure: LLC recommended for gig workers (liability protection + credibility)
• [ ] Register business entity with your state (if forming LLC/Corp)
• [ ] Open dedicated business bank account using your EIN (avoid sole prop accounts)
• [ ] Get business phone number (Google Voice acceptable, but dedicated line preferred)

Week 2: Business Identity & Presence

• [ ] Create professional business email ([email protected], not Gmail)
• [ ] Register business address (physical address required — no PO boxes for credit)
• [ ] Build basic business website or landing page (even one page counts)
• [ ] Set up business social media profiles (LinkedIn Business Page minimum)
• [ ] Get business license/permits if required in your area

<aside> ⚠️ Common Setup Mistakes to Avoid:

• Using personal info instead of business info on applications
• Mixing personal and business finances
• Using residential address when business address is required
• Skipping the business bank account step
• Not having a professional online presence </aside>