The American Wealth System: SBA Loans, Business Credit, Trusts & LLCs

A step-by-step educational guide to building long-term wealth in the U.S.: forming an LLC, building business credit, using trusts, and understanding SBA loans.

Important: As of 2026, SBA 7(a), 504 and Microloan programs require 100% U.S. citizen or national ownership. If you aren't a citizen yet, this guide shows how to build personal credit, an LLC and business credit now, and use bank or credit-union financing in the meantime, with SBA financing as an option after citizenship. Educational only, with no guarantees of approval or results, and not legal, tax or financial advice.

Start with your credit: The Complete Credit Breakdown and the free Beginner's Guide to Building Credit.