Our Vision

To serve as a B2B network that extends the wealth and financial stability of businesses or organizations owned by women or minorities and those who support them.

Our mission

Success is at the core of our existence. Our business models integrate the future of technology, marketing, financial and education. NBC extends our wealth of knowledge and skills to a community of brothers and sisters.

Our Purpose

Reclaim the wealth of contribution built on the backs of women and people of color.

Our story

Entrepreneurship is nothing new to the Black community. Booker T. Washington believed that solutions to the problem of racial discrimination were primarily economic and that African American entrepreneurship was vital. Thus, he founded the league to further the economic development of African American businesses in order to achieve social equality in American society.  Members in the league included small business owners, farmers, doctors, lawyers, craftsmen, and other professionals. The league maintained directories for all major US cities and incorporated African American contacts in numerous businesses.  

While African Americans make up just 14% of the population, we are responsible for some $1.2 trillion in purchases annually. Further, consumers of color are showing an out-sized influence in several key consumer categories, and are increasingly demanding that businesses do and be better.

According to a Nielsen study, “Black buying power continues to increase, rising from its current $1 trillion level to a forecast of $1.3 trillion by 2017. Black buying power has seen an 86 percent increase since 2000 and accounts for 8.7 percent of the nation’s total. The growth in black buying power stems in part from an increase in the number of black-owned businesses as well as from an uptick in education among the African-American population, which leads to higher incomes. Despite historically high unemployment rates, Blacks have shown resiliency in their ability to persevere as consumers.”

 Budgeting, investment, taxes, and banking are taboo because there is a distrust of associating money unless it is in our wallets or purse. Networking Business Credit embraces the philosophy and business practices of Booker T. Washington. It is our goal to build an interdependent network of businesses and organizations owned by minorities and women. Within the network, we will emerge business and credit. These business practices will and must be taught to younger generations. 

On March 11, 2021, President Joe Biden signed The American Rescue Plan Act of 2021. The $1.9 trillion plan is designed, in part, to help families impacted by the Covid-19 pandemic. According to a study at the University of Georgia, African American buying power surpassed $1trillion in 2016 and is projected to reach $1.5 trillion in 2021.

The harsh reality came to the surface that many businesses owned by women or minorities, especially African Americans, do not have a relationship with banks. As a result, businesses suffered, closed, and continue to struggle to reopen. Although business loans are becoming available to minority-owned businesses many of the traditional financial institutions are not willing to assist because of insufficient credit.

NBC offers a three-prong solution:

  1. After the completion of an online application, they become members of our Business-to-Business Network.
  1. Small Business is Big Business is the pulse of the B2B Network. What makes us unique is that we report the business transactions of the B2B Network to the business credit bureaus. This new leverage of power is one step in preparing our businesses for the instability of an economic structure that primarily benefited large corporations.
  1. NBC’s ultimate goal is to reach a global B2B audience in multiple languages, cultures, and currencies including Bitcoin. Our greatest tool is an extensive library of courses and workshops that we continue to develop for startups to businesses that have relied upon personal credit for decades. As we cast our net, the courses will be translated into spoken languages and ASL.

Our Status

NBC is at its proposal state. We are seeking investors, professionals and leaders who are willing to contribute to our vision to serve as an important business that will create strides in and around our communities.

Imani is a member of Networking Business Credit. During a casual NBC event, she is one of the featured guests. During her ten minute pitch, she tells of an upcoming expansion of her boutique retail business.

Damon, also a member of NBC, introduces himself as a general contractor to arrange a meeting with Imani. During his meeting with Imani, Damon realizes that he will need  plumbers, electricians, HVAC, interior decorators and painters.

Two weeks later, Damon and Imani sign a contract to secure his services. When Imani makes her first payment to Damon, NBC will report that transaction, to the business credit bureaus.

Damon subcontracts with interior decorators and engineers in the network. When Damon pays his subcontractors, NBC will report those transactions.  Get the picture?

A NETWORKING  event initiated BUSINESS transactions that  NBC can report to the CREDIT bureaus.

What is Business Credit?

The video is not an endorsement of any business or services. It is solely for educational purposes.

How Do I Know If I Need Networking Business Credit?

What is Business Credit?

If you ever thought about starting a business, or you are currently a startup, own an existing business, or invest in real estate, then you’ve probably heard the phrase “business credit.” what is business credit

But what exactly is business credit? Happy you asked, because I’ve got one short answer, and one really long one. Here’s my official definition:

Business credit is the ability for a company to obtain borrowed money that it can use to purchase products or services which is based on the trust that payment will be made in the future.

You get business credit from a credit grantor, whom you agree to pay back the amount that you spent plus any additional interest charges or fees, at an agreed upon time frame.

Now that you know the definition of business credit let’s go over the five types of business credit your company can obtain:

What is revolving business credit?

With revolving business credit lines, you have a set credit limit which enables you to make charges up to that limit. You have the option to either pay your balance in full or carry a balance (revolve the debt) and make a payment. Most business credit cards are a type of revolving credit for a company which you can get either unsecured or secured.

What is charge credit for business?

With charge credit, your company also has a set credit limit but the main difference is that you have to pay the total balance in full each month. This prevents your company from accumulating debt since you are unable to revolve debt.
Installment credit – With this type of business credit a lender loans your company a set amount of funds and you agree to repay that amount and interest in a regular monthly installment with a fixed payment for a set length of time. A business loan and commercial auto loan are typical examples of installment credit.
Service credit – Any agreements your company has with service providers are all credit arrangements. You receive internet service, cell phone service, web hosting, etc., with the agreement that your company will pay for the service every month. Keep in mind not all service credit accounts are reported to the business credit reporting agencies such as Dun & Bradstreet.

What is take credit?

Trade credit which is also known as vendor credit or supplier credit is when a business allows your company to buy products or services up to a set credit limit and pay for the total outstanding amount on the invoice within 10, 15, 30 or 60 days depending on the agreed upon net terms.

Why do you need business credit?

Business credit is necessary if you plan to use credit to make daily or major purchases for your business, such as marketing expenses, travel costs, equipment or inventory, or you want to be able to take advantage of the convenience that credit provides. It’s also important to realize that business credit goes beyond just purchasing power, in that your company’s creditworthiness plays a crucial role in future funding opportunities.

Business credit, like personal credit, is what you should build before your company actually needs it. The fact is your business may need access to credit to cover unforeseen expenses so it’s best to plan ahead and start the business credit building process now.

How do you get started?

The first step in establishing credit in your company’s name is to structure your business as a separate legal entity. If you haven’t filed the paperwork then you’ll need to do that before anything else.

Next, you’ll need to obtain your business tax identification number also known as a federal tax identification number (FIN) or an employer identification number (EIN). Once you’ve done this, you can open a business checking account in your company’s name using the EIN number.

Remember, business credit is not only about getting access to financing; it has become the driving force for setting terms on business lines of credit, business loans, insurance premiums, lease payments, and trade credit. With a strong business credit profile, you can receive more favorable rates and terms giving your company optimal use of its funding ability.

Or Download our App

App Coming Soon

Our app is under development as we gather the requirements, user interface, and user experience. If you or your company would like to be a part of the development team, please contact us below.

Building the Future

Why Choose Us?

It’s time to reclaim the wealth of our contribution to the economic strength that has been built on the backs of women and minorities with a disproportionate return. We can do it based on our own will.


Trust Worthy

We share a leap of faith while practicing accountability to our past, present, and future.  The strength of our core values reflects the demand for diversity and inclusion.


We bring to the table over a hundred years of experience from many walks of life, education, downfalls, and successes.


We value our experience, education  and expertise, but our stories are the pinnacle of how we maintain our dignity and foster a culture for today and tomorrow.

step 1


Each business or organization must complete an online application. The online application will serve as a database to determine the needs of potential clients. We will collect a bare amount minimum amount of information. Based on the answers provided, the marketing team will make contact.

  • Name, Email, Phone, Zip Code
  • Website address
  • Citizenship
  • Individual, Business or Organization
  • Type of Business/Organization
  • What is the best time to reach you?
  • Networking, Business, Credit
  • Referral
  • Preferred method of contact

step 2


While completing the application, we request the applicant to choose 1 to 3 areas in which they are interested: Networking, Business and/or Credit.

Our marketing team will make contact based on the answers. Although business credit is currently the core of our focus, we want to make the best of our resources.

Networking involves making contact with people during social and virtual meetings. It will also encompass education, workshops, conventions, and travel.

Business operations focus on how to start a business, entrepreneurship, marketing, advertising, and an established business or organization. Under this umbrella, we will teach and share about means of wealth such as investment, banking, finance, and real estate.

Credit is the core topic that will address personal and business credit. We will teach and emphasize how to work with credit bureaus, Better Business Bureau, financial portfolio, and taxes.


step 3


As part of our  continuing education, we will offer classes, workshops and seminars taught by professionals. We call it “Achievement for Us, By Us”.  The individuals  or groups may receive a certificate of completion that will include the brand of Networking Business Credit.

There is no limit to the type of certification that a person may receive. The beauty of this concept is for members to enter a marriage in what they love to do while building the community. This will be helpful whether  a person or group is interested in networking, business or credit. For example, we may extend classes on Financing, CPR, Dance,  Holistic Health, Information Technology,  Self-Defense, Cooking, etc.

Many of the classes will be taught by members of the network. As the network expands, we will  invite guests to teach.


the budget

Proposed Budget

The proposed budget will provide a solid foundation to establish the basics of the business as the revenue for services expand. NBC will generate revenue through online membership, advertising, multimedia  presentations, and seminars.  With the use of modern technology, we will be able to reach an international audience to bring multiple streams of income for members.

Incorporation Fees
Under $300
Office Space
$100-$1,000 per employee per month
17-25% of total budget
0-10% of total budget
About $25 per month
Office Furniture and Supplies
10% of total budget
About $2 per square foot of total office space
25-50% of total budget
Professional Consultants
$1,000-$5,000 per year
An average of $1,200 per year

Release Schedules

  • Days 1-15 Gather documents
  • Days 12-20 Complete deliverables
  • Days 18- 20 Initial Draft
  • Days 20 – 30 Final Draft
  • Days 30 – 35 assign design teams


  • Domains and subdomains
  • Test across multiple domains
  • Test across multiple operating systems
  • Meet standards for various device types
  • Social Media Content

Technology Platforms

  • WordPress Content Management
  • HTML, CSS, JavaScript, PHP, SQL
  • Mobile  App Development
  • Video  and Audio
  • Intranet and Internet

Technical Team

  • Security and firewall
  • Website developers and designers
  • Database management and analytics
  • Linux server administrator
  • Hardware and servers

Contact Us

Networking Business Credit endorses diversity, supports equal rights, and does not advocate, support, or practice discrimination based on race, religion, age, national origin, language, sex, sexual orientation, or mental or physical handicap, whether covered by applicable legislation or not, except where affirmative action may be required to redress individual or social handicaps of people from disadvantaged groups.


(513) 449-0691

2631 Gracewood Ave, Cincinnati, OH 45239

M-F: 8am-5pm, S-S: Closed

Terms of Agreement

Call Us


Visit Us