Credit to Capital™: Building Personal & Business Credit That Works for You
Credit isn’t just a score—it’s a strategy.
In this powerful two-hour workshop, you'll learn how to take control of your personal credit and unlock the path to real business funding.
We start by breaking down how personal credit works, how to read and repair your report, and how to strategically apply for credit to boost your score—not damage it. You’ll learn how to deal with collections, inquiries, and credit bureaus with confidence.
Then, we shift into the world of business credit—covering what you need to set up your business the right way, establish tradelines, and position your company to access real capital without using your personal credit.
You’ll walk away with:
A clear understanding of personal credit scores, reports & how to boost them
Steps to handle collections, remove inquiries, and get approved for the right cards
How to properly structure your business to build and access credit
The difference between personal & business credit—and how to leverage both
Tools and resources to take action immediately
💡 Whether you’re rebuilding or just getting started, this training will give you the clarity, confidence, and next steps to stop stressing and start scaling.
PRESENTER

Carmen Morris - CEO, Business Mastery Consulting Services (BMCS)
Carmen Morris is a powerhouse in business and credit education, known for her straight-talk style and deep expertise. As CEO of Business Mastery Consulting Services (BMCS), she has helped thousands of entrepreneurs and individuals take control of their finances, build strong credit, and grow profitable businesses.
With a professional background in international trade, real estate, and brand development, Carmen brings a unique and actionable perspective to turning credit into capital. She’s passionate about empowering others with real tools to break financial cycles and scale with confidence.
You will be sent access information to the webinar in a separate email.
Fee: No Cost
The NJSBDC is funded in part through a cooperative agreement with the