Build Your Business Credit
Establish strong business credit for better funding options
Separate your personal and business finances. Build a credit profile that opens doors to better rates, higher limits, and funding opportunities—without relying on your personal credit.
Why Business Credit Matters
Learn the fundamentals of building credit for your business
What is a Paydex Score?
The Paydex score is Dun & Bradstreet's business credit score, ranging from 0-100. It measures your business's payment history with vendors and suppliers.
- 80+ = Excellent payment history
- Based on payment experiences reported
- Used by lenders, suppliers, and vendors
- Key factor in business loan approvals
Business vs. Personal Credit
Business credit is separate from your personal credit score. Building business credit protects your personal assets and opens new opportunities.
- Separate Legal Entity - Your business has its own credit identity
- No Personal Guarantee - Access funding without personal liability
- Higher Limits - Business cards have much higher credit limits
- Protect Personal Score - Business debt doesn't affect personal utilization
Why It Matters for Funding
Strong business credit unlocks better funding options, lower interest rates, and higher approval odds for loans and credit lines.
- Better Interest Rates - Save thousands in interest
- Higher Loan Amounts - Access more capital
- Faster Approvals - Less scrutiny on personal credit
- Vendor Relationships - Better payment terms with suppliers
How to Build Business Credit
Follow our tiered approach to establish strong business credit
Net 30 Accounts
Start here to establish payment history
Recommended Accounts
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Uline - Office & shipping supplies
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Grainger - Industrial supplies & equipment
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Quill - Office supplies & furniture
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Summa Office Supplies - Office products
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Reliable Office Supplies - Office essentials
Pro Tip: Order small items and pay early (before 30 days) to establish excellent payment history quickly.
Revolving Credit
Progress to revolving accounts
Revolving Accounts
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Amazon Business - With approval, reports to bureaus
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Home Depot Commercial - Building & renovation supplies
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Lowes Business Account - Home improvement credit
Note: These may require approval. Build your Paydex score first with Net 30 accounts for better approval odds.
Tradelines & Seasoned
Accelerate your credit building
Accelerated Options
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Credit Strong for Business - Credit builder loan
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Navy Federal Business - Credit cards & loans
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U.S. Bank Business - Business credit solutions
Buying vs. Building: Purchasing seasoned tradelines can accelerate your credit, but building organically is more sustainable. We recommend starting with Net 30 accounts.
Understanding Your Paydex Score
Your Paydex score is the most important metric for business credit. It ranges from 0-100 and is based entirely on your payment history with vendors. The higher your score, the better your access to funding and favorable terms.
A Paydex score of 80+ is considered excellent and signals to lenders that you pay your bills on time or early. This opens doors to better interest rates, higher credit limits, and more approval opportunities.
Paydex Score Breakdown
Excellent
Best rates, easy approval. Pays early or on time consistently.
Good
Standard rates. Acceptable payment history with minor delays.
Fair
May need personal guarantee. Some payment issues reported.
Poor
Rebuild recommended. Significant payment issues present.
Business Credit Services
Comprehensive support to build and optimize your business credit
Tier Accounts Setup
We help you establish the right tier accounts in the correct order to build your business credit foundation properly.
Net 30 Recommendations
Get personalized Net 30 account recommendations based on your business type, industry, and current credit situation.
Paydex Optimization
Strategic guidance to improve your Paydex score quickly and maintain excellent business credit standing.
Business Credit Monitoring
Ongoing monitoring of your business credit profile to catch issues early and maintain strong credit health.
Ready to Build Your Business Credit?
Start today and open doors to better funding opportunities.