Becareful about people selling you things to good to be true. If you are thinking about ways to get around your bad credit - all lenders know these schemes and will look into your personal credit no matter what. Instead of wasting your time and money trying to get around your credit - just take the time to fix it or find a partner who does have good credit. If you are going to seek outside capital for your business - all lenders will want to see your willingness to repay (your personal credit) and your ability to repay (your current income showing how you will service the debt). Do your research and homework regarding any program that say you can get around your personal credit - especailly if you have to pay up front. There is a reason that we all have personal credit reports and why banks and lenders pull them when making loan decissions.