Business Credit & Funding Education
Free guides, tools, and resources to help you build credit, access capital, and grow your business.
Free Guides & Articles
How to Build Business Credit From Scratch
A step-by-step guide to establishing a business credit profile under your EIN.
The Complete Guide to SBA Loans
Everything you need to know about SBA 7(a), 504, and microloans.
What Lenders Look for in a Loan Application
Understand what banks and alternative lenders review before approving funding.
Business Credit vs. Personal Credit: Key Differences
Why separating your personal and business finances protects your assets.
Equipment Financing for Trucking Companies
How to finance semi-trucks, trailers, and fleet equipment effectively.
How to Improve Your Business Credit Score in 90 Days
Actionable strategies to boost your business credit rating quickly.
Build Business Credit: 6-Step Roadmap
Incorporate Your Business
Form an LLC or Corporation. Business credit is tied to your business entity, not you personally.
Get an EIN
Your Employer Identification Number (EIN) is your business's "social security number" with lenders and bureaus.
Open a Business Bank Account
Separate your business and personal finances. Most lenders require 3–6 months of business bank statements.
Register with Business Credit Bureaus
Dun & Bradstreet, Experian Business, and Equifax Business each have separate business credit profiles.
Establish Trade Lines
Apply for vendor accounts (net-30 terms) with suppliers that report to business bureaus.
Monitor and Dispute Errors
Regularly review your business credit reports and dispute any inaccurate information.
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