Quick Answer
Business credit is a separate credit profile tied to a business entity rather than an individual - built primarily through trade lines and reported by bureaus distinct from those used for personal credit.
Key Takeaways
- Business credit is reported by Dun & Bradstreet, Experian Business, and Equifax Business.
- The foundation is a legal entity, EIN, DUNS number, and dedicated business banking.
- Trade credit with reporting vendors is the most accessible early-stage builder.
Why It Exists
Business credit lets a business borrow on its own profile - separating personal and business finances and unlocking limits unavailable through personal credit alone.
Frequently Asked Questions
Do all small businesses need business credit?
Educational frameworks note that any business that expects to seek financing, scale operations, or protect personal credit from business liabilities benefits from a separate business credit profile.