For your second question: you can maintain your credit score by not abusing your personal credit. This means making all your payments on time and as agreed (no late payments). Having no derogatory information like collections or bankruptcy. Not over using your credit - which means that if you have $20,000 in unsecured revolving credit available to you - that you are only using say 10% or $2,000 of it. Not applying for credit every other day. You have to show that you can properly manage your debt and credit.
For an unsecured business loan, know that your personal credit score needs to be 700 + FICO at a minimum. Further, just having great credit is not enough to get an unsecured business loan - even an unsecured business credit card. You also have to show some means of repaying that loan - meaning that you either have to have some business revenue or personal income to make payments.
---Business Money Today - Small Business Loans
Unsercured Business Loans are loan to a business that are not secured by a collateral. Typically, the sender has only the business history and credit history of the business owner to rely on in deciding whether or not to extend the loan.
--- Business Loans
William - You've gotten great advise here on your post!
I will say, however, that one of our funding programs will provide Unsecured loans with a 660+ credit score.
The other option you have is utilizing a business partner if you have one OR a Secured loan depending on the amount you need.
Connect with me if you have further questions - we always try to assist where we can!
---Linda King, Owner of Legacy Asset Solutions - Powerful & Effective Financing Solutions.