Business credit is the credit file your companyowns with Dun & Bradstreet, Experian Business, and Equifax Business — separate from your personal FICO file. Built right, it lets you borrow against the business's history instead of leaning on your personal credit score every time.
A fundable business credit profile separates owner liability from business liability — and can open borrowing capacity that personal credit alone does not reach.
Random vendor accounts, no reporting strategy, no monitoring. After a year they wonder why no bank will touch them. The order matters.
Same playbook we'd hand a friend: which vendors to open first, which to skip, when to apply for the first card, when to push for a real line.
Free program. No card required. The phases below are the journey we'd walk a friend through — open them in order, or skip ahead if you're past a phase.
EIN, D-U-N-S, business address, phone, website. The boring-but-required boxes lenders check before they'll even look at your file.
What you walk away with
Open accounts with vendors that report to Dun & Bradstreet, Experian Business, and Equifax Business. Pay on time. Watch the file grow.
What you walk away with
Stack business credit cards and short revolving lines on top of your tradeline history. Your file starts looking real.
What you walk away with
Apply for the funding you actually wanted: SBA, real estate, equipment, working capital. Your file does the heavy lifting now.
What you walk away with
Four-question assessment pinpoints where you are + which package gets you to phase 4 fastest.
The free program walks you through each of the seven underlying steps — vendor library, application templates, progress tracking, the works. No upsell gates, no "unlock the next step" paywalls.
The paid assessment packages are for operators who want to move faster than DIY — calls, hands-on help with applications, and a direct intro to our Net-60 / Net-90 vendor relationships.
Sign in to start the free program