Separate your business credit from personal credit. Access higher credit limits, better vendor terms, and business financing without personal guarantees.
Business tradelines are credit accounts that appear on your business credit report. They help establish and strengthen your business credit profile, separate from your personal credit.
We ensure your business is properly registered with Dun & Bradstreet, Experian Business, and Equifax Business to establish a business credit profile.
Your business is added to established vendor or credit accounts with excellent payment history and strong credit performance.
The tradelines report to business credit bureaus, establishing positive payment history and credit depth for your business.
Your business credit score improves, opening doors to better financing, higher credit limits, and net payment terms with vendors.
Keep your personal credit and assets separate from business liabilities and obligations.
Access significantly higher credit limits than personal credit cards or loans.
Qualify for net-30, net-60, or net-90 payment terms with suppliers and vendors.
Get approved for business credit without requiring personal guarantees or collateral.
Secure lower interest rates on business loans and lines of credit.
Establish legitimacy and trust with partners, investors, and financial institutions.
Business tradelines benefit various types of businesses at different stages of growth
Establish business credit from day one without relying on personal credit. Get access to financing for equipment, inventory, and growth.
Build stronger business credit to qualify for better terms with vendors and suppliers. Improve cash flow with net payment terms.
Finance inventory purchases and manage seasonal cash flow. Access higher credit limits for advertising and marketing campaigns.
Separate real estate investments from personal finances. Access business credit for property purchases, renovations, and operations.
Meet franchise financing requirements and maintain strong business credit for multi-unit expansion opportunities.
Scale operations without maxing out personal credit. Position your business for larger loans and institutional financing.
Registered Business Entity: LLC, Corporation, Partnership, or Sole Proprietorship
EIN (Employer Identification Number): Obtained from the IRS
Business Address: Physical address (not a P.O. Box)
Business Phone Number: Listed in 411 directory
Business Bank Account: Separate from personal banking
Active Business Operations: Legitimate business activity
Understanding the key differences between personal and business credit
| Feature | Personal Credit | Business Credit |
|---|---|---|
| Credit Limits | $5,000 - $50,000 average | $50,000 - $500,000+ potential |
| Personal Liability | Your personal assets at risk | Business assets only (with proper structure) |
| Personal Guarantee | Always required | Often not required with strong business credit |
| Credit Bureaus | Equifax, Experian, TransUnion | Dun & Bradstreet, Experian Business, Equifax Business |
| Vendor Terms | Not applicable | Net-30, Net-60, Net-90 available |
| Impact on Personal Credit | Directly affects personal score | No impact on personal credit |
| Tax Deductions | Limited deductibility | Interest & fees are business expenses |
| Build Time | Years to establish | 30-90 days with tradelines |
Real businesses that transformed their operations with business tradelines
"We were stuck using personal credit cards to finance inventory, which limited our growth. After establishing business tradelines, we secured a $200,000 business line of credit without a personal guarantee. Our revenue tripled in the first year!"
— Mark T., E-commerce Store Owner
$200K
Credit Line Secured
3x
Revenue Growth
90
Days to Build
$200K
Business Credit Line
"Business tradelines allowed me to separate my real estate investments from personal finances. I now have access to $350,000 in business credit for property purchases and renovations, and my personal credit score actually improved!"
— Sarah L., Real Estate Investor
$350K
Business Credit
5
New Properties
0
Personal Guarantees
"With strong business credit, we negotiated net-60 payment terms with our suppliers. This improved our cash flow dramatically and allowed us to take on larger orders without worrying about upfront costs."
— James R., Manufacturing Owner
Net-60
Payment Terms
40%
Cash Flow Increase
2x
Order Capacity
Net-60
Vendor Terms
Ready to write your business success story?
Get Your Free Business Credit ConsultationCommon questions about business tradelines answered
Business credit is tied to your business entity (LLC, Corporation, etc.) using your EIN, while personal credit is tied to your Social Security Number. Business credit doesn't appear on your personal credit report and offers higher limits, better terms, and protects your personal assets. Most importantly, strong business credit allows you to get financing without personal guarantees.
You need a legally registered business entity (LLC, Corporation, Partnership, or Sole Proprietorship) with an EIN, business address, and business phone number. Your business doesn't need to be old or have significant revenue—we can help startups and new businesses establish credit from day one. The key is having your business properly structured and registered.
No! That's one of the major benefits of business credit. Business tradelines report only to business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business), not to personal credit bureaus. This means your business credit activity won't impact your personal credit score, and you can build both simultaneously without interference.
With our business tradeline program, you can establish a business credit profile in 30-90 days. The exact timeline depends on the tradelines selected and how quickly they report to the business bureaus. Some clients see their business credit profile established and scores generated within 45 days, which is significantly faster than building business credit from scratch.
Business credit can be used for virtually any business expense: inventory purchases, equipment financing, office space, marketing campaigns, hiring employees, vendor payments, and more. Strong business credit also helps you negotiate better payment terms with suppliers (net-30, net-60, net-90) and qualify for business loans, lines of credit, and commercial real estate financing.
Yes! Once you've established strong business credit (typically a business credit score of 75+ with Dun & Bradstreet), many lenders and vendors will extend credit without requiring a personal guarantee. This is one of the most powerful benefits of business credit—it protects your personal assets and allows you to leverage your business credit profile instead of your personal credit.
Vendor tradelines are accounts with suppliers who report to business credit bureaus, typically offering net payment terms (pay 30-90 days after purchase). Credit card tradelines are business credit cards that report to business bureaus. Both help build business credit, but vendor tradelines are often easier to obtain initially, while business credit cards typically require some established business credit history.
Absolutely, yes! Building business credit is not only legal—it's a standard business practice recommended by the SBA, accountants, and business advisors. Using tradelines to accelerate the business credit building process is completely legal and compliant with all federal regulations. We operate with full transparency and in compliance with all credit reporting laws.
Still have questions about business tradelines?
Stop limiting your business growth with personal credit. Establish strong business credit and unlock access to higher limits, better terms, and unlimited growth potential.
$150K+
Avg. Credit Access
30-90
Days to Build
0
Personal Guarantees
100%
Asset Protection