Now Available on Amazon! Get the new Kindle E-book, CreditSmart: How to Bank Your Own Business with Trade Credit. You'll learn insider business credit strategies on how startups and growing companies can manage credit risks and access cash without loans, strong personal credit, or A.P.R. rates!
Already purchased the book?
Click the button to get your Coupon Code to access the CreditSmart online certificate training for free!

All business credit limits are subject to credit approval up to $5,000,000.

Just look at these key features of our Receivable Based Credit Lines.





Common Symptoms that Your Business May Be Suffering from Protracted Credit Default Risks.
Then wait 30, 60, or 90 days to get paid.
To cover your rent, payroll, and suppliers while you wait.
Because your slow cash flow won't support your new growth.
You learn that your bank may be unwilling or unable to help.

With a CreditSmart subscription, American Credit Assurance becomes your company's own "credit back office." CreditSmart is powerful. You get:
A Receivable Credit Line up to $5,000,000.*
Your Own Branded Online Credit Application.
The Ability to Check Business Credit Reports.
An Assigned Growth Advisor, and More!
*Subject to prior credit approval. Not a loan or insurance program.
If you want to learn more about how to use business credit to "Bank Your Own Business" this is the private group for you. If approved, CreditSmart member businesses can access our free and discounted online business credit training courses, and network to collaborate with other business owners. You'll get access to our live online events calendar, and you can post your business questions in the chat to our growth advisors!

Hi there. Want to learn about CreditSmart Back Office? Just click on the link provided and and see my brief interview about our back office software.
Here's some surprising business credit statistics. It's time for small business owners to get smart about using business credit to drive business and government sales instead of paying bills.

If you are a business consultant, bookkeeper, accountant, or business tax professional you may be eligible to receive a full or partial scholarship to become a Certified Credit Risk Management Professional (CCRMP) with CreditSmart Back Office software.
*STOP!* Download a CCRMP Syllabus first.

©2026 American Credit Assurance, LLC. All Rights Reserved.