Building business credit can make it easier to qualify for financing, negotiate terms with suppliers, and establish a financial track record separate from your personal credit.
An Employer Identification Number (EIN) gives your business a federal tax identifier, but it doesn’t create a business credit history on its own. That history starts to develop when lenders, card issuers, vendors, and other providers report accounts and payment activity under your business’s name. Not every company reports, which makes choosing the right accounts an important part of building business credit.
The companies below approach credit building in different ways. Some report cards or credit lines, others offer vendor tradelines, and a few help businesses monitor the credit profiles they already have. Reporting practices can change, so it’s worth confirming where an account reports before opening one specifically for that purpose.
Companies That Can Help Build Business Credit
1. BILL
BILL combines business credit with expense management, accounts payable, accounts receivable, and other financial tools.
For credit building, the key product is the BILL Divvy Card. BILL reports customer credit performance to the Small Business Financial Exchange (SBFE), which collects commercial payment data from participating lenders. SBFE partners including Dun & Bradstreet, Equifax, and Experian use that data in commercial credit reports, scores, and other risk products. How an individual account appears can vary by bureau and product.
That makes BILL useful for businesses that want a company card and expense controls while also establishing a payment history. Its AP and AR tools can help manage cash flow, but those services themselves shouldn’t be treated as credit-building tradelines.
2. Mercury
Mercury* is a financial technology company offering business banking services through partner banks, along with cards, payments, invoicing, and other financial tools.
The credit-building piece is Mercury IO, its business charge card. Mercury reports IO payment history to Experian, Equifax, and Dun & Bradstreet. There’s no credit check during IO signup, and eligibility and credit limits are based largely on the business’s balances with Mercury. Eligible businesses with lower balances may start with daily repayment terms, while higher balances can unlock larger limits and monthly repayment schedules.
That gives startups a way to establish reported business payment history without using the founder’s personal credit score to qualify for the card.
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.
The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.
3. Nav
Nav combines business credit monitoring with tools designed to help companies establish a stronger credit profile.
With Nav Prime’s Build and Expand plans, monthly membership payments are submitted as a tradeline to Experian, Equifax, and Dun & Bradstreet. Nav says it reports the tradeline each month, although it can take 14 to 45 business days, or sometimes longer, before a bureau adds the information to a report.
Nav also gives businesses access to credit scores, reports, and alerts, making it useful for seeing whether the accounts you’re opening are having the intended effect. The Track plan focuses on monitoring, while Build and Expand add the credit-building tradeline.
4. Dun & Bradstreet Credit Insights
Dun & Bradstreet Credit Insights serves a different purpose than most of the companies on this list. Signing up doesn’t automatically add a new tradeline. Instead, Credit Insights helps businesses see and manage the D&B credit profile that lenders and suppliers may already be evaluating.
Depending on the plan, businesses can monitor scores and ratings such as PAYDEX, receive alerts when their credit file changes, review payment-history information, and see inquiries into their business. Some tiers also include benchmarking and tools for submitting additional business information for review.
For businesses actively building credit, that visibility can be just as useful as opening another account. It gives you a way to see what’s being reported and catch gaps or inaccuracies as your profile develops.
5. eCredable
eCredable Business Lift takes a different route to establishing business credit: it helps turn payments a business is already making into reported activity.
The Business Lift subscription itself is reported to Dun & Bradstreet, Equifax, and Experian. Businesses can also add eligible expenses such as utilities, phone and internet service, vendor accounts, and other recurring business bills. Additional eligible accounts can be reported to Equifax, and eCredable can add up to 24 months of qualifying past payment history.
That can make eCredable useful for a newer business that pays plenty of bills but doesn’t yet have much showing up on its commercial credit reports.
6. Quill
Quill gives qualified business customers the option to purchase office supplies using Net 30 terms, meaning the business receives an invoice instead of paying for the purchase immediately.
Under Quill’s current Net 30 terms, applicants authorize the company to share relevant business, credit, and account information through its D&B Trade Exchange Program. The information may be shared with credit reporting agencies, credit exchange platforms, and participating merchants for business credit purposes. Customers can opt out of the program later if they choose.
Quill can make sense as a starter vendor account if your company already buys office supplies. There’s less value in opening a vendor account purely to add another tradeline if you don’t have a real business use for what the vendor sells.
7. Creative Analytics
Creative Analytics offers invoice-based business accounts tied to its products, digital services, and consulting offerings.
Its current Founders Circle membership uses monthly invoicing and offers credit limits of up to $5,000 based on creditworthiness. Creative Analytics says it reports monthly to multiple business credit bureaus and gives members the option to have a tradeline reported to Dun & Bradstreet or a credit reference submitted to a third party.
Applicants need an EIN and D-U-N-S Number, among other requirements, and the business must have been established for at least 30 days. No personal guarantee or personal credit check is required for a business membership.
8. Growegy
Growegy combines a Net 30 business account with software for business planning, project management, marketing, and AI-assisted work.
Its business accounts are currently reported monthly to Experian Business and Equifax Business. Growegy requires EIN verification before an account can be included in positive credit reporting, but it doesn’t require a personal credit check or personal guarantee.
The current Net 30 plans are $55 per month or $600 per year, with the annual plan split across three $200 invoices. Because Growegy reports payment activity, businesses should treat the account like any other credit obligation and stay on top of invoice due dates rather than viewing it as a passive credit-building subscription.
9. Credit Suite
Credit Suite is closer to a guided credit-building system than a single vendor account.
Its Business Credit Builder helps companies establish profiles with Dun & Bradstreet, Experian, and Equifax Commercial, then identify vendor, retail, fleet, service, and other accounts that may fit their current credit profile. Credit Suite also provides information about which vendors report and what businesses need to qualify.
This makes it more useful for someone who wants help navigating the sequence of building business credit rather than simply adding one new tradeline.
10. Brex
Brex offers corporate cards and spend management tools to startups and other growing companies.
Brex reports company payment history to Experian, Dun & Bradstreet, and Equifax. It sends the previous month’s payment history at the beginning of the following month, although each bureau controls how quickly that information appears and how it factors into its credit products.
Brex also doesn’t rely on a personal credit check to determine card eligibility. Its underwriting focuses on the business, with limits based on financial factors such as revenue and cash position. The card is not limited only to venture-backed startups, as some older descriptions of Brex suggest.
11. Ramp
Ramp combines a corporate charge card with expense management, accounts payable, procurement, and other financial tools.
Ramp reports its corporate card directly to Dun & Bradstreet. It also doesn’t require a personal credit check or personal guarantee, so using the card doesn’t depend on the business owner’s personal credit profile.
For a company that already needs employee cards and spending controls, that gives Ramp a practical credit-building angle without opening an account that serves no other purpose.
12. American Express Business Line of Credit
The American Express Business Line of Credit is different from the vendor accounts and charge cards above. It gives approved businesses access to a revolving commercial line of credit, with each draw becoming a loan.
Once a business draws funds, American Express reports the account limit, outstanding balance, and payment status to commercial credit reporting agencies. That activity can become part of the company’s business credit history.
There is an important tradeoff. American Express obtains a consumer credit report during the application process, so applying can affect the applicant’s personal credit score. The current program also requires a personal guarantee for loans drawn on the line.
How to Choose a Business Credit-Building Account
A company reporting to a business credit bureau is useful, but it shouldn’t be the only reason to open an account.
Start with products your business can realistically use. A corporate card may make sense if you already need to manage company spending. A Net 30 account is more useful when the vendor sells something you regularly purchase. Paying a recurring fee for a tradeline may be worthwhile for a thin credit file, but only if the cost makes sense for your business.
Before applying, check which bureaus the provider currently reports to, whether reporting is automatic, what fees or purchasing requirements apply, and whether a personal credit check or guarantee is involved.
Then focus on the part that matters most: paying on time. Business credit is built through reported financial behavior over time, not simply by opening as many accounts as possible.