R. Phillips is a business consultant and finance expert with over two decades of experience in helping consumers and small business owners achieve their financial goals. As the owner of Business Formulators, he prides himself on providing fair and equal access to all areas of business services and financing solutions to entrepreneurs, real estate investors, brokers, start-up companies, investors, and small-business owners nationwide.

With a grassroots approach to consulting, R. Phillips and his team of highly trained business, financial, and credit experts offer superior and friendly guidance to help clients establish a solid foundation for business credit and obtain lines of credit from banks. Through his Business Credit Program, he helps clients establish trade or vendor credit, build the Paydex from Dunn and Bradstreet to 80, and apply for business credit cards with the help of a personal business credit coach to guide them through the entire process.

In addition to his Business Credit Program, R. Phillips offers a Credit Restoration software to help clients increase their credit scores. The software orders free credit reports, removes errors, generates powerful letters written by attorneys, tracks progress, and keeps finances organized to ensure clients see positive results within 30 days. If credit does not improve within 90 days, clients are refunded 100%.

Apart from his business ventures, R. Phillips is currently hiring Sales Reps and a National Sales Director to join his team at Business Formulators. His expertise lies in business consulting, finance, credit restoration, business credit building, and entrepreneurship.