Build Powerful Business Credit Under Your EIN
Separate your business credit from your personal finances. Access more capital, better rates, and protect your personal assets.
Start Building Credit →Why Business Credit Matters
Protect Your Personal Credit
Stop using your personal credit for business expenses. Business credit lets you finance your company without risking your personal score.
Access Higher Limits
Business credit accounts can have 10–100x the limits of personal credit cards, giving you the capital to scale.
Better Rates & Terms
Strong business credit unlocks preferential interest rates, net-60/90 terms, and vendor payment flexibility.
Build a Fundable Business
Lenders evaluate your business credit profile when you apply for loans. Strong scores dramatically increase approval odds.
Business Credit Bureaus
Dun & Bradstreet
Target: 80+Paydex Score · Range: 0–100
Experian Business
Target: 76+Intelliscore · Range: 1–100
Equifax Business
Target: 700+Business Credit Risk Score · Range: 101–992
FICO SBSS
Target: 160+Small Business Scoring · Range: 0–300
Our 4-Phase Credit Building Program
A structured, 12-month roadmap to building a strong, fundable business credit profile.
Foundation (Month 1–2)
- Business entity formation guidance
- EIN registration
- Business bank account setup
- Business address and phone line
Initial Trade Lines (Month 2–4)
- Starter vendor accounts (net-30 terms)
- D&B registration and DUNS number
- Experian Business profile setup
- First reporting trade lines
Credit Growth (Month 4–8)
- Fleet cards and business credit cards
- Higher-limit trade accounts
- Store business credit accounts
- Score monitoring and optimization
Advanced Access (Month 8–12)
- Bank credit facilities
- Business lines of credit
- SBA loan eligibility
- Net-60/90 vendor terms