Build Business Credit from Scratch
Separate your business finances from personal credit. Access larger credit lines, better terms, and protect your personal assets with strong business credit.
View the RoadmapFunding Tiers
As your business credit grows, you unlock access to larger funding amounts and better terms
Starter$5K - $25K
For new businesses building initial credit
- Secured business cards
- Net-30 vendor accounts
- Microloans
Growth$25K - $100K
For established businesses with 6+ months history
- Unsecured business cards
- Business lines of credit
- Equipment financing
Scale$100K - $500K+
For businesses with 2+ years and strong revenue
- SBA loans
- Term loans
- Revenue-based financing
- Commercial real estate
Business Credit Roadmap
Follow this step-by-step timeline to build strong business credit
Foundation
Month 1-2- Register your business (LLC or Corporation)
- Get an EIN from the IRS
- Open a business bank account
- Get a D-U-N-S number from Dun & Bradstreet
- Set up a dedicated business phone line
Starter Tradelines
Month 2-4- Apply for Net-30 vendor accounts (Uline, Grainger, Quill)
- Make purchases and pay early
- Build 3-5 tradelines that report to business bureaus
- Monitor your business credit reports
Business Credit Cards
Month 4-6- Apply for a secured business credit card
- Consider store business cards (Staples, Home Depot)
- Keep utilization below 30%
- Always pay on time or early
Growth Financing
Month 6-12- Apply for unsecured business credit cards
- Establish a business line of credit
- Consider equipment financing if needed
- Build relationships with community banks
Scale
Year 2+- Access larger credit lines and term loans
- Explore SBA loans
- Consider revenue-based financing
- Leverage business credit for real estate
Business Credit Guides
In-depth guides to help you master every aspect of business credit
Building Business Credit from Scratch
12 minA complete guide to establishing business credit when you're starting from zero.
EIN vs SSN: When to Separate
8 minLearn when and how to build credit under your EIN instead of your personal SSN.
Vendor Tradelines Strategy
10 minThe best Net-30 accounts that report to business bureaus and how to use them.
Startup Funding Stacks
15 minHow to combine multiple credit sources to fund your business launch.
Corporate Card Optimization
9 minMaximize rewards and cash flow with strategic business credit card use.
Business Credit Score Guide
11 minUnderstanding Dun & Bradstreet, Experian Business, and Equifax Business scores.
Ready to Build Your Business Credit?
Start with our credit tools to assess your current standing and plan your business credit journey.