To deal with Bad Credit Merchant Account By assessing your past payment history, a corporation can decide how risky it might be to increase credit to you. Apply for this number on the interior Revenue Service website. Obtain a separate business mailing address as well. Take your tax number and any business licenses or incorporation paperwork to the bank once you apply for the account. For example, office supply stores, like Staples, will offer small lines of business credit to newly opened small businesses.