Marco Carbajo Education: Wayne State University Location: Novi, Michigan Expertise: Business credit Experienced business credit specialistFounded the Business Credit Insiders Circle, a step-by-step business credit building system and funding engine for entrepreneurs and small business ownersSuccessful serial entrepreneur Experience Marco Carbajo is a former small business credit writer for The Balance, drawing on his more than 22 years of experience advising small businesses on credit issues. His expertise includes guiding businesses and start-ups in securing funding without putting personal assets at risk. He previously worked as a credit analyst for Credit Education Services.He writes about small business credit for Dun and Bradstreet Credibility Corp., SBA.gov and AllBusiness.com. His blog has been featured in the New York Times, Business Week and the Washington Post. About The Balance The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.