Actually that is not really a valid question. It is like comparing apples and oranges. In my opinion both serve a different purpose and hence have their own place in securing your financing. Personal credit is based on an individuals credit worthiness and business credit on the businesses creditworthiness (ideally speaking).

Here are some interesting facts:
Business credit has a lot more potential than personal credit. A business (if set up properly) can end up getting much more credit than personal credit and that is just the tip of the ice-berg. A case in point, you can have a number of corporations set up simultaneously. Remember that you can only have one SS# but you can have a number of businesses (Tax ID numbers).

Here is a scenario that will get your creative juices flowing:
Lets say if you have just two corporations and you end up with $65,000.00 available credit on one corporation and about $70,000.00 credit on the other corporation. Now you can withdraw $60,000.00 from the credit of anyone of the corps. When it comes time to pay off the $60,000.00 you can use the credit of the other corp. In effect you have repaid the loan BUT still have full use of the initially borrowed $60,000.00. The debt was simply transferred from one corporation to another. You can actually keep this up for as long as necessary to repay the original amount. In reality it actually gets easier since this process (if done correctly of course) will only strengthen the credits of both corps. That in turn will result in more and more financing available for both corps.

Now, whether you use the $60,000.00 cash wisely or not is a completely different topic LOL. Ideally I would like you to invest it in some kind of income producing asset, like real estate.

At this point you might have 100 questions regarding this scenario. What are the borrowing terms , are these cash lines of credit, what is the interest rate on the loan, do I show my tax returns, how are the funds released, how are the two corporations linked etc etc. How on Gods green earth do I get the lines of credit in the first place. Of course the devil is in the details.

This is just one of the ways that large corporations get access to almost unlimited financing and in most cases cash financing. I can assure you that this can be done by almost anyone even with limited cash. Some intelligence, hard work and a good working knowledge of the different components of business credit will get you there sooner than you think, even in this economy. How far you want to take it is really up to you.

Corporate Business Credit provides many different benefits: Asset protection, revolving lines of cash credit etc. Most of these aspects are crucial in your steps towards financial independence. You might not want to become a multi millionaire but having the ability to use the benefits that business credit provides will get you to your financial goals faster and I believe with less headaches/risk.

To become financially independent you HAVE TO use the power of CORPORATION. That is what our country is build on and that is exactly what the rich use to stay rich and get even richer.

That really is the art of business credit.