What is wrong? Are you unable to comprehend a successful business owner is giving valid and accurate advice? I know, it's crazy how even business owners are on Reddit... You do realize the amounts I listed are small amounts, right? In my particular industry (retail), I need to be grossing at least $300k per month or more to continue growing while paying employee salaries and living on a small salary myself.

Side note: I always find it comical when egotistical dicks like you all of a sudden "clam up" once I provide info on my experience with credit as a business owner. Why not just admit fault with your ridiculous opinion about getting a loan for the sole purpose of credit building? You do realize "Credit building" loans are a new thing and in my humble opinion, a terrible idea. If you just got discharge paperwork from a bankruptcy, then maybe, MAYBE a credit building loan wouldn't be a terrible idea. Even still, I think it is foolish to pay money to build your credit profile back up. I have personally gone from 750's down to low 500's and then back up to 790's (all FICO btw); not once did I take on a loan for the sole purpose of credit building.

Have fun being owned by the bank with your thinking it is ok to take on loans for such a basic reason as to build your credit...