WELCOME!
Welcome to The Financial Mechanic, where we empower your financial future! Whether you're looking to improve your personal credit score, business credit score, access premium tradelines, or gain financial literacy, you've come to the right place. Our team of experts is dedicated to providing you with the tools and resources you need to achieve your credit goals. Request information on a wide range of tradelines, and take advantage of our personalized guidance.
Your journey to better credit starts here!
TRADE LINES
Tradeline, or trade line, is the term used to refer to accounts listed on your credit reports. Two common types that show up on your personal and business credit reports include:
- Revolving credit: Open-ended credit accounts—such as credit cards and other lines of credit—that can be used and paid down repeatedly within the credit limit as long as the account remains open and timely payments are made. For example, if you have two credit card accounts, they should show up as separate tradelines.
- Installment credit: Include closed-ended credit accounts that you pay back over a set period of time. Auto loans, mortgages, personal loans, student loans and “buy now, pay later” loans are all examples of installment credit.
PRIMARY TRADELINES
Primary Trade Lines are an account on a credit report for which the primary account holder is responsible. Adding the right primary trade line to a credit report can increase the credit score, improve creditworthiness, and enhance the overall credit profile. A well-established trade line with a positive payment history, low utilization, and long account age can help demonstrate responsible credit management, making it easier to qualify for loans, credit cards, and better interest rates.
Our primary trade lines cost range from $1,950-$3,750 depending on the limit you are requesting.
- $25K Auto Loan, Credit Cards, Lines of Credit Cost $1,950 (minimum 2 lines)
- $26K-$49K Auto Loan, Credit Cards, Lines of Credit Cost $2,750 (minimum 2 lines)
- $50K-$100K Auto Loan, Credit Cards, Lines of Credit Cost $3,750 (minimum 2 lines)
We have Lines of Credit, Auto Loans, and Credit Cards and these lines report OPEN to your credit report in 30-45 days. The primary lines are permanent they never fall off your credit report. These trade lines are guaranteed to post and post to Experian, Equifax, and Transunion!
Interested in purchasing more than one tradeline please specify on your form and we will work out a package deal. We can also offer payment plans, which we will need 50% of the cost up front and the last payment can be paid in two weeks from the first payment received.
01
Report Open For 1 Year
Our business tradeline are a unsecured line of credit that reports open for 12 months and if you are looking to have this account report open monthly after 12 months you have the option to do so at an additional cost of only $1000.
*Your business must be listed on google and have a website to benefit from utilizing this business trade.*
02
Maximum Limit $169K
If you are looking to purchase more than one business trade line at $69K please specify this in your message to us and we will quote you a price based on the number and amount you would like to purchase.
03
Reports in 15-30 Days
You will always see the tradeline reflected on your business credit report every 30 days but there is a possibility that the business trade line can report as soon as 15 days of your purchase. Our business trade lines can report to Experian Business or Small Business Financial Exchange (SBFE) if you select to have your account reported to this entity at a separate cost.
What is SBFE?
The Small Business Financial Exchange (SBFE) is a nonprofit organization that collects business credit data from lenders and financial institutions. Unlike traditional credit bureaus, SBFE itself doesn’t generate credit reports—instead, it provides data to approved business credit bureaus like:
✔ Dun & Bradstreet (D&B)
✔ Experian Business
✔ Equifax Business
✔ LexisNexis Risk Solutions
How SBFE Business Trade Lines Help Your Credit Report
✅ Establishes a Strong Credit Profile – If your lender reports to SBFE, your on-time payments and account history help strengthen your business credit.
✅ Increases Creditworthiness for Lenders – Many banks and lenders pull SBFE data when reviewing loan applications. A well-managed SBFE trade line can improve your chances of getting approved for financing.
✅ Boosts Your Business Credit Score – Positive trade lines reported to SBFE contribute to higher credit scores with Experian, Equifax, and D&B, making it easier to secure vendor credit and trade terms.
✅ Reduces the Need for Personal Guarantees – A solid business credit profile backed by SBFE data can help separate business and personal credit, reducing your need for personal guarantees on loans.
04
ONLY $1,200 *price subject to change*
If you are interested in purchasing more trade-lines please specify. All business trade-lines have the maximum limit of $169K.
- $5,000-$29,000 only $1,200
- $29,000-$49,000 Only $1,300
- $49,000-$69,000 ONLY $1,400
- $69,000-$79,000 ONLY $1,500
- $79,000-$99,000 ONLY $1,600
- $99,000-$169,000 ONLY $2,500
*To have your business tradeline report to SBFE that would be an additional cost of only $2000 each line*.
OUR PROCESS
We work with you to come up with the very best solutions for your financial needs!
01
Contact Us
You will complete the contact us form with detailed information to ensure our services can meet your needs.
02
Submit Payment
Submit payment via Zelle or Cash app.
03
Posting of your Trade
Our team will start the process of posting your tradeline to your profile to assist you with meeting your financial goals.
04
Confirm Your Posting
Check your credit report in 30-45 days for the primary trade line to reflect on your credit report.
Review your business credit report in 15-30 days to see your line post!