I am a small business owner in the start-up phase. I keep getting emails about 'building business credit' services where you pay a fee to a 'business coach' of sorts and they help your business build/obtain credit/credit lines that are in the name of your business.

Currently, we had planned to fund our business with some savings and for credit, planned to use a personal credit line, but I'm not sure if that is a good idea. But then again, paying $400 bucks and a monthly service fee to a company to help me build my business credit doesn't sound that smart either.

Anyone out there with experience with one of these companies, or someone can direct me to articles or info about this topic?