Strong business credit opens doors to better financing, vendor terms, and growth opportunities. Our experts help you build, repair, and leverage your business credit profile.
Business credit is separate from your personal credit and crucial for sustainable business growth.
Access higher credit limits, lower interest rates, and better loan terms for your business
Separate business and personal finances to protect your personal credit score
Strong business credit increases your company's value and attractiveness to investors
Qualify for net-30, net-60, and net-90 payment terms with suppliers and vendors
Meet credit requirements for lucrative government and corporate contracts
Fund expansion, inventory, and equipment without depleting cash reserves
Unlike personal credit (FICO), business credit is tracked by specialized bureaus with different scoring models.
PAYDEX Score (0-100)
The most widely used business credit bureau. A PAYDEX score of 80+ indicates you pay on time or early.
Intelliscore Plus (1-100)
Predicts the likelihood of serious delinquency. Scores above 76 are considered low risk.
Business Credit Risk Score (101-992)
Measures the risk of severe delinquency. Higher scores indicate lower risk to lenders.
A systematic approach to establishing and strengthening your business credit profile.
Ensure your business is properly structured as an LLC, Corporation, or other entity with a valid EIN from the IRS.
Register with Dun & Bradstreet for a D-U-N-S number and establish profiles with all major business credit bureaus.
Open accounts with vendors who report to business credit bureaus (net-30 terms to start building history).
Apply for business credit cards that report to business bureaus, starting with secured cards if needed.
Strategically increase credit limits and add new tradelines to strengthen your business credit profile.
Monitor your business credit reports and dispute any errors or inaccuracies that could hurt your scores.
Choose the right level of support for your business credit journey.
For new businesses establishing credit
For businesses actively building credit
For established businesses optimizing credit
With our systematic approach, most businesses can establish initial credit profiles within 30-60 days and achieve strong scores within 6-12 months.
Not necessarily. While some business credit products check personal credit, many vendor accounts and business credit builders don't require a personal guarantee or credit check.
We recommend an LLC or Corporation for building business credit, as sole proprietorships typically don't separate personal and business credit effectively.
Join thousands of business owners who have built strong credit profiles with our help. Get started today with a free consultation.
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