Companies That Help Build Business Credit

Trying to build business credit? A simple way to build your business credit is to apply to easy-approval companies that report payments to the primary business credit bureaus.

We’ve put together a list of companies that report tradelines on your business credit reports to establish your business credit score. A good business credit score will help you get business loans and higher lines of credit in the future. 

Our Companies That Help Build Business Credit guide will help you pick the companies that best fit your business.

Recommended: Apply for an easy-approval business credit card from BILL and build your business credit quickly.

13 Companies That Help Build Business Credit

You can build business credit by partnering with easy-approval companies that report to major business credit bureaus and setting up a system to monitor your credit. As creditors report tradelines over time, it will increase your business credit scores, qualifying you for more lending options.

We focused on three types of companies that help build good business credit from the ground up. These companies include: 

  • Net 30 vendors 
  • Business credit cards
  • Business credit monitoring services

Net 30 Accounts for Building Business Credit

Net 30 accounts are trade agreements set up between businesses. You buy now and pay within 30 days of the invoice date. 

The reason opening these vendor credit accounts can help build your business’s credit is that they’re easy to qualify for and they regularly report tradelines to the major credit bureaus. Net 30 accounts make it simple to establish and build business credit.

1. Office Garner

Office Garner reports to several different business credit bureaus, including Dun & Bradstreet, and sells office products and other goods that are reasonably priced, high-quality, and in demand for all business types.

Signing up for a net 30 account with Office Garner is also easy and can be done entirely online. Your business must be at least 30 days old before applying. There is a $69 one-time processing fee to open a net 30 account, and your business must have a clean, non-derogatory business credit history.


  • Office supplies
  • Clothing
  • Breakroom supplies
  • Electronics
  • Business cards
  • Web design

Business Credit Bureaus: Dun & Bradstreet*, Equifax Small Business, Creditsafe, Ansonia, National Association of Credit Management (NACM), and Small Business Financial Exchange (SBFE)

*Dun & Bradstreet reporting requires Office Garner's Credit Builder service.

Minimum Order to Qualify for Net 30 Terms: $45

Annual Membership Fee: $0

Main Customer Base:

  • Corporate offices
  • Transportation companies
  • Technology firms
  • Hospitality businesses
  • Restaurants and retail establishments

Product Cost Examples:

  • Pentel Wow Black Gel Pen: $2.52
  • Envelopes Plain No10 50 Ct: $6.52
  • Dry Erase Markers 4 Clr Set Bullet Tip: $5.20

Customer Service Standards: Helpful and friendly.

Open a Net 30 Account With Office Garner

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2. Business T-Shirt Club

Business T-Shirt Club is a net 30 vendor, meaning that it offers credit terms of 30 days to its customers. This allows businesses to purchase apparel from the club at discounted prices. 

Business T-Shirt Club’s clothing products bring your brand to the public. Some businesses purchase branded clothing for promotional purposes, like giving it away to loyal customers, or as prizes for contest winners.


  • Headwear
  • Shirts
  • Accessories

Business Credit Bureaus: Equifax Business, Credit Safe, Ansonia, and Cortera

Minimum Order to Qualify for Net 30 Terms: $250 minimum or 12-item minimum for custom orders

Annual Membership Fee: $69.99

Main Customer Base:

  • Retail establishments
  • Hospitality companies
  • Restaurants
  • Moving companies
  • Medical facilities

Product Cost Examples:

  • Adult 5.6 oz Spotshield Jersey Polo: $7.78
  • Ladies' Origin Performance Pique Polo: $9.60
  • Classics Classic Dad’s Cap: $5.48

Customer Service Standards: Our phone call didn’t receive an answer, but the website is helpful and has a friendly chat support option.

Open a Net 30 Account with Business Business T-Shirt Club

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3. Creative Analytics

Creative Analytics offers technology products and digital marketing services. The products offered by this net 30 vendor can help you extend your online marketing reach and make office work more enjoyable.


  • Content marketing services
  • Reading lights
  • Website design and development
  • MacBook Pro/Air USB-C hubs

Business Credit Bureaus: Credit Safe and Equifax Business

Minimum Order to Qualify for Net 30 Terms: $100

Annual Membership Fee: $79

Main Customer Base:

  • Corporate offices
  • Technology companies
  • Online businesses
  • Home-based businesses

Product Cost Examples:

  • Marketing services: $2,000-$10,000 per/month
  • Adjustable cell phone stand: $12
  • Microfiber towel (12 pack): $26.88
  • Dry erase board: $24.99

Customer Service Standards: Creative Analytics didn’t answer the phone, but automated phone prompts answered all our questions. They were also reachable through email with a fast response time.

Open a Net 30 Account With Creative Analytics

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4. Wise Business Plans

Wise Business Plans provides planning resources and digital marketing services for businesses. These tools can help you extend your online marketing reach and build a strong business foundation.


  • Business plans
  • Branding collateral
  • Websites
  • Digital marketing services

Business Credit Bureaus: Dun & Bradstreet and Equifax Business

Minimum Order to Qualify for Net 30 Terms: $97

Annual Membership Fee: $99

Main Customer Base:

  • Startups
  • Local businesses

Product Cost Examples:

  • Business plans vary in cost
  • Digital marketing plans begin at $750/month

Customer Service Standards: We didn’t receive an answer when we called.

Open a Net 30 Account With Wise Business Plans

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ULINE offers industrial cleaning products, shipping and packing materials, and janitorial supplies. These help you run your business more efficiently while maintaining a clean and safe working environment.


  • Shipping and packaging materials
  • Cleaning products
  • Polybags
  • Janitorial supplies
  • Warehouse equipment
  • Tables and chairs

Business Credit Bureaus: Dun & Bradstreet and Experian Business

Minimum Order to Qualify for Net 30 Terms: $0

Annual Membership Fee: $0

Main Customer Base:

  • Warehouse environments
  • Industrial facilities
  • Cleaning businesses
  • Office environments

Product Cost Examples:

  • Rubbermaid service carts: $255
  • 1,000 Postal-approved poly bags: $38
  • 8 oz Hand Sanitizer: $4

Customer Service Standards: Pleasant, informative, and helpful. We did not feel rushed on the phone, and the representative was happy to assist us.

Open a Net 30 Account With ULINE

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6. Shirtsy

Shirtsy offers print-on-demand services for T-shirts, business cards, and other branded products. These products are great for growing brand identity for your business.


  • Hoodies, jackets, and shirts
  • Accessories
  • Shoes
  • Business cards

Business Credit Bureaus: Dun & Bradstreet and Equifax Small Business

Minimum Order to Qualify for Net 30 Terms: $97

Annual Membership Fee: $99

Main Customer Base:

  • Yoga studios
  • Fitness facilities and gyms
  • Restaurants
  • Retails stores
  • Local businesses

Product Cost Examples:

  • Mouse Pads: $14.99
  • Hoodies: $49.99-$59.99
  • Backpacks: $59.99
  • Shoes: $79.99-$99.99

Customer Service Standards: Shirtsy didn’t answer our phone calls.

Open a Net 30 Account With Shirtsy

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7. Summa Office Supplies

Summa Office Supplies is an office supply company that offers net 30 terms only on its digital products — an antivirus and an anti-malware software subscription. Each subscription costs $80 per month; however, Summa Office Supplies lets you spend more for reporting purposes. When you set up an account, you’ll automatically be given a $2,000 line of credit.


  • Antivirus software
  • Antimalware software

Business Credit Bureaus: Equifax Small Business

Minimum Order to Qualify for Net 30 Terms: $80

Annual Membership Fee: $99

Main Customer Base:

  • Businesses needing antivirus software

Product Cost Examples:

  • Antivirus software: $80+
  • Anti-malware software: $80+

Customer Service Standards: The customer service agent we spoke with was kind, and genuinely helpful, and patient.

Open a Net 30 Account With Summa Office Supplies

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8. Crown Office Supplies

Crown Office Supplies is a net 30 vendor offering office supplies, school supplies, electronics, and clothing. These products are standard supplies that some businesses need on a daily basis and may need to purchase in bulk.


  • Office supplies
  • School supplies
  • Electronics
  • T-shirts
  • Accessories

Business Credit Bureaus: Dun & Bradstreet, Experian, and Equifax

Minimum Order to Qualify for Net 30 Terms: $30, including shipping

Annual Membership Fee: $99

Main Customer Base:

  • Corporate offices
  • Small businesses
  • Tutoring companies
  • Boutiques

Product Cost Examples:

  • Dustless white chalk (24/Box): $3.99
  • Hats and beanies: $29.99 each
  • Two-piece brush and comb set: $3.99

Customer Service Standards: We called and left a voicemail. The agent called us back within 10-minutes and assisted us in a very professional manner, answering all our questions. 

Open a Net 30 Account With Crown Office Supplies

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9. Strategic Network Solutions

Strategic Network Solutions only offers net-30 accounts for three of their product lines: downloadable software products, ebooks, and an antivirus subscription. That being said, qualifying for the company’s net-30 terms is easy.


  • Downloadable software products
  • Ebooks
  • Antivirus subscription

Business Credit Bureaus: Credit Safe

Minimum Order to Qualify for Net 30 Terms: $80

Annual Membership Fee: $0 

Main Customer Base:

  • Small and medium businesses of all types

Product Cost Examples:

  • Antivirus software subscription: $99/year (reported to Equifax)
  • Business plan maker: $80
  • Resume maker: $80
  • Logo designer: $80
  • Typing Helper: $80
  • Organizational flow charts maker: $80

Customer Service Standards: The customer service agent was very helpful in explaining the pricing of all the products, and took time to help us understand the net 30 program. 

Open a Net 30 Account With Strategic Network Solutions

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Business Credit Cards for Building Business Credit

To qualify for a business credit card, most card companies require at least a year of established tradelines and a high business credit score. We found two companies that don’t and we’re impressed with their easy approval terms, credit limits, rewards, and willingness to help new businesses establish their business credit.

10. BILL Divvy Corporate Card

BILL approves every business that applies, assigning interest rates based on business credit profiles and scores.

BILL offers two types of cards: a credit builder card and a regular business credit card. The credit builder card is BILL’s secured business credit card that offers the same rewards, expense tracker, and accounting software as the unsecured credit card, but is designed for companies that need to establish business credit.

Rewards and Benefits:

  • Free ACH deposits
  • Unlimited employee cards
  • Rewards for all spending
  • Free accounting software
  • Points on all purchases
  • Expense tracker software
  • Build business credit
  • Rewards for paying balance weekly


  • No annual fee

Open a BILL Divvy Corporate Card

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11. Brex Business Credit Card

Brex offers higher credit limits than most traditional business credit cards, meaning they do not approve every business that applies, like BILL. However, Brex does offer a nice rewards program and doesn’t charge fees.

Rewards and Benefits:

  • No fees
  • Nice reward program
  • High credit limits
  • Reports to business credit bureaus


  • No fees

Open a Business Credit Card With Brex

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Business Credit Monitoring Services for Building Business Credit

Business credit monitoring services help you build business credit by monitoring your business credit reports against misreported tradelines and alerting you when your business credit score falls or rises. This allows you to identify problems and solve them quickly. 

12. Nav

Nav is a business credit monitoring service that serves two purposes for businesses wanting to build business credit. 

First, they offer credit monitoring services that keep you updated on your business credit report, reported tradelines, and business credit score. Second, Nav offers net 30 terms on their credit monitoring service, reporting tradelines to Experian, Dun & Bradstreet, and Equifax every month.


  • 24/7 credit alerts
  • Single marketplace for checking all business credit scores
  • Check against mistakes
  • Discover business credit score changes
  • Prevent fraud occurrence
  • Get better loan approval terms
  • Build business credit through net 30
  • Cash flow tracking alerts and insights


  • $0–$49.99/month

Open a Business Credit Monitoring Account With Nav

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13. Dun & Bradstreet CreditMonitor

Dun & Bradstreet CreditMonitor provides insights and analytics into your D&B business credit profile and business credit score. Just note that they do not monitor other business credit accounts.


  • Monthly credit report summary
  • Identity theft protection
  • Monitor against creditors re-filing past delinquencies
  • Provides full access to your Dun & Bradstreet PAYDEX score.


  • $39.99/month

Open a Business Credit Monitoring Account With Dun & Bradstreet

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How Business Credit Works

Building business credit works a lot like personal credit for small business owners. You build business credit by borrowing money and paying it back on time. Instead of the personal bureaus, your business’s payment history is recorded with the major business credit bureaus. 

Each business credit bureau assigns a business credit score (risk score), which indicates to future lenders how likely you are to repay a new business loan or credit line.

Factors that determine your likelihood of being approved for higher lines of credit:

Frequently Asked Questions

What companies help build your credit?

Net 30 accounts, business credit cards, and credit monitoring services help you build business credit. Businesses should establish vendor relationships with at least five net 30 credit vendors, have one business credit card, and invest in one credit monitoring service that reports tradelines monthly.

How do I build my business credit ASAP?

To build business credit quickly, you'll want to designate a formal business structure (i.e., form an LLC or corporation), get an EIN, and open a business bank account. Then, open net 30 accounts and get a business credit card.

How do new businesses get credit for LLC?

To build business credit for your LLC, you'll need an EIN so you can open a business bank account. Then, you'll need to establish trade credit with net-30 vendors and business credit card companies. You should repay the invoices using a business checking account.

Does Amazon business report to Dun and Bradstreet?

Amazon Business offers a net 30 account and a net 55 account for small business owners with some credit history. The net 30 account does not get reported; however, the net 55 account gets reported to Dun & Bradstreet each month. 

How can I get a 100 credit score?

100 is a perfect business credit score for Dun & Bradstreet (PAYDEX) and Experian (Intelliscore Plus). To score 100, you'll need to make sure you have net 30 accounts, business credit cards, and business loans with a perfect repayment history and low credit utilization ratio.

Do you need a DUNS number to build business credit?

Having a DUNS number definitely helps with building business credit, as you’ll need it to open many net 30 accounts and establish a Dun & Bradstreet business credit profile. Though some credit reporting agencies may not require it, it’s free to obtain and is highly recommended.

How fast can I build my business credit?

Building business credit takes time — generally one to three years. It is a good idea to have tradelines from business accounts being reported regularly to every major business credit reporting agency. You can build business credit fast by following a few simple steps:

What are the major business credit bureaus?

The major business credit reporting agencies are Dun & Bradstreet, Equifax, and Experian. Some lesser-known business credit bureaus that can help your business credit history include Creditsafe, Ansonia, the National Association of Credit Management (NACM), and Small Business Financial Exchange (SBFE).

How can I find out my business credit score?

You can check both your personal and business credit score by inquiring with each credit bureau. To establish business credit and check established business credit, see every net 30 account reporting, and access your scores, we recommend subscribing to a business credit monitoring service.

What are written trade credit references?

Written trade credit references are written references that net 30 vendors and other business credit builders provide to prove that a business has made on-time payments and has a good business credit history with them. Businesses can use these references to attract business financing and better payment terms.

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