Harvest react

Welcome to the Credit Program

Partner with the Biggest Online Advertisers in the World!

Program Overview

Margarent Bonnano said, “Being rich is having money; being wealthy is having time.”

Developing business credit lines is a crucial aspect for anyone diving into the business world. Business credit lines offer a flexible source of funding to secure favorable terms from lenders, including lower interest rates and longer repayment terms that can be used to cover a range of expenses, such as buying inventory, paying bills, or financing growth opportunities. This can help to minimize the financial burden on a company and increase its overall financial stability. Additionally, having a good business credit profile can also help to build a company’s reputation and credibility with suppliers and customers, making it easier to secure new business opportunities.

Here at Harvest React we believe that every person should develop a good business credit history as early as possible. With our resources, expertises, and support we will be able to help run your credit lines to create an incredible credit history for you. Let us help you as you take the first steps to control your financial future and live life on your own terms.


Credit score of 730 or higher. 

A year of history with a credit card. 

$500 to start


Part One:

  1. Create Business Email
  2. Create LLC & get it approved
  3. Create EIN & Articles of Incorporation

Part Two:

  1. Chase Business Bank Account and Credit Card application
  2. Bank of America Credit Card application
  3. Amex Credit Card Application


  • LLC: LLC stands for Limited Liability Company. It is a way to start a business that protects the owners’ personal assets while giving them the ability to manage the company and share in its profits. In even simpler terms: your LLC is your business/company.
  • EIN: An EIN number, also known as an Employer Identification Number (EIN), is a unique identifier assigned by the Internal Revenue Service (IRS) to business entities in the United States. 
  • Articles of Incorporation: Also known as a Certificate of Incorporation or Corporate Charter, is a legal document that outlines the basic structure and purpose of a corporation. This document is filed with a state government and serves as the corporation’s official formation document. 

Frequently Asked Questions

Has this been done before?
  • Yes, we have been doing this for 6 years and have years of P&L’s 
  • (P&L’s: Profit & Loss Statement. This measures the activity of a business over a period of time, in other words this refers to the “paper proof” that we have been working for 6 years).  
What will my credit line buy?
  • In a dropshipping model, credit card lines are used to process payments from customers. When a customer places an order, the payment is processed through the dropshipper’s credit card line, and the funds are deposited into the dropshipper’s account. The dropshipper then uses those funds to purchase the product from the supplier and have it shipped directly to the customer. In essence, we are only buying traffic and already sold products.
What is in it for me?
  • There are several benefits to using our credit program, including:
  • Increased income: You earn 1% per month from the balance on your credit lines. For example, if your balance is $100,000, you would earn $1,000 per month.
  • Rewards and perks: You get to keep the credit card points, allowing you to travel the world and take advantage of other benefits.
  • Improved business credit: Building relationships with bigger banks and establishing a healthy business credit profile can increase your credibility and open up new opportunities for your business.
Will this affect my credit score?
  • Everytime that you apply for a credit card (which will be four times) it will be a hard credit check which will dock your credit score a couple of points. Because of this we recommend that you only apply for these business credit lines if you are not planning on making a big purchase, like a car or house in the very near future (within 6 months).
What will the communication look like from your side?
  • You will receive a (text or email) after completing each step of the process.
  • You will receive a (text or email) every 2 weeks to make sure that you don’t have any questions and are receiving important updates and are on the right track to keep you on schedule.
What documents or personal information does Harvest React need from me? Why?
  • Information from the LLC:
  • EIN number
  • Articles of Incorporation
  • Business bank account information
  • We need this information because we need access to the business account to deposit and withdraw cash to generate a credit history.
How long will it take for my business credit history to be where it should be?
  • We expect it to be around 12-18 months.


This has been a great source for me to eventually work my way to becoming an ad partner with HarvestReact.

Sheila M.

This program has helped me establish great business credit and build an amazing e-commerce business

Phil K.

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Contact Us

[email protected]


Hours of Operation

M-F: 10am – 5pm
S-S: Closed

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