Net 30 Vendors to Build Business Credit

Finding net-30 vendors that report to the business credit bureaus may seem like a lot of hard work. But there are several common vendors that are easy to apply for and report to the major bureaus. Follow our guide to find the right set of vendors to build your business credit.

Net-30 Vendors Who Report to Business Credit Bureaus

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Net-30 Vendors Who Report to Dun & Bradstreet

Dun & Bradstreet is arguably the most important business credit bureau when it comes to establishing and building business credit. To help you build your business credit profile, you should consider setting up net-30 starter accounts with these companies:

Uline

Uline.com is our first pick because this company carries so many useful products meant to help businesses in particular. Their customer service is wonderful. When we called them, they immediately picked up the phone (no automated recording system to have to deal with).

Uline reports to Dun & Bradstreet on the first of each month. Setting up a net-30 account with them is super easy.

Follow these steps:

  1. Call them and tell them you’re a small business that wants to set up a net-30 account.
  2. Give them your business name, billing and shipping address, and business telephone number.
  3. Place your first order with them (there is no minimum or maximum amount).

Quill

Quill.com is another option for a starter business that wants to establish trade lines with Dun & Bradstreet. This company sells office supplies, cleaning agents, health care and safety supplies, as well as tools and breakroom supplies.

The company does not automatically approve new businesses for net-30 accounts. You first have to build your credit with Quill first, which can take you a month or two before you qualify for credit terms. Once approved for a Quill credit account, you’ll need to maintain that account for 90 to 120 days before they will start reporting your account to Dun & Bradstreet.

Follow these steps to set-up a net-30 account with Quill:

  1. Visit their website and place a prepaid order over $45. This will establish your account with them.
  2. Place a minimum of two more orders in your first month (over $45).
  3. Place larger orders more frequently during month two (they recommend you place at least a $100 order, per week).
  4. Place even larger orders during month three. This will get you in good with their credit department.
  5. Ask them to report to Dun & Bradstreet after month three. Assuming your payment history is good, you’ll likely be approved.

Office Depot/OfficeMax

Office Depot/OfficeMax is an office supply company that operates all over the United States. They sell computers, printers, software, supplies, and more. They used to offer net-30 accounts; however, now they’ve switched to net-20 accounts. They report to Dun & Bradstreet monthly.

To set up a net-20 account with Dun & Bradstreet, follow these steps:

  1. Visit their Business Services website at https://business.officedepot.com
  2. Click the blue “Get Started” button to the right of the login section. 
  3. Follow the prompts to provide your information and click submit.
  4. Wait for a sales representative to contact you, and they will open up a new business account.
  5. Wait for your net-20 account to be approved ( approximately 24-48 hours).

Grainger

Grainger is a company that specializes in industrial solutions and sells abrasives, HVAC and refrigeration components, motors, lighting, furniture, fasteners, office supplies, outdoor equipment, and so much more. They offer over 1.5 million products. They also offer small businesses net-30 accounts to pay for those products. Grainger regularly reports to Dun & Bradstreet.

Here’s how to get a net-30 account with Grainger:

  1. Open a new business account by clicking on the "Register Now" link at the top right of the Grainger homepage
  2. Select "For Business Use" and continue filling in the required information to proceed. New accounts are usually set up within two business days. You will receive an email with the new account number once the account is ready to be used. 
  3. Email a request for open account billing to graingercredit@grainger.com. Please include your account number, the signature of the Owner or Officer of the company, and a note that you understand Grainger's payment terms are Net 30 days from the invoice date and that you will pay invoices within these terms.

HD Supply

HD Supply sells appliances, fitness and exercise equipment, healthcare supplies, janitorial, linens, paint and supplies, office supplies, food service equipment, HVAC, window coverings, etc. This is a great company to partner with because they report to Dun and Bradstreet, offer net-30 terms, and have products that fit nearly any business’s needs.

Here’s how to get a net-30 account with HD Supply:

  1. Apply for a net-30 credit account at https://hdsupplysolutions.com/s/credit_application.
  2. Click the HD Supply Facilities Maintenance Credit Application link. This will take you to their online credit application form.
  3. Fill in the form with your business information and click submit.
  4. Wait for approval (approximately 24-48 hours).
  5. Begin placing your orders once your account has been approved.

Shirtsy

Shirtsy offers a net-30 account for building business credit. It allows businesses to start building their business credit score as soon as they sign up, which allows them to qualify for other types of financing in the future. These might include traditional bank loans, business credit cards, and other types of business credit.

Shirtsy is an online platform that helps people find and buy shirts from a trusted source. The company makes sure that it is doing everything possible to build its own reputation while providing a quality service for its customers.

Shirtsy also does print-on-demand teeshirts and other branding collaterals like business cards, etc. These products are perfect for startups wanting to grow their brand successfully.

Customers can find and buy shirts from their online store by searching for popular brands on the website or visiting the storefronts of thousands of businesses near them through Shirtsy’s app.

Here’s how to apply for a net-30 account with Shirtsy:

  1. Visit Shirtsy's website at https://shirtsy.com/.
  2. Click on the “Apply for Net-30” link in the top right corner.
  3. Fill in your business information and click submit.
  4. Get approval within 24 hours (you’ll now be qualified for 30-day invoicing).

Summa Office Supplies

Summa Office Supplies sells pencils, pens, folders, tape, and just about everything else your office needs. Their customer service is friendly and helpful, and they offer net-30 accounts for small businesses (even new and unestablished businesses).

Before you apply for a net-30, you should know they operate on a tier 1 and tier 2 credit system. This means when you open up an account with them, they will automatically put you into the tier 1 category. This category will require you to prepay for your purchases for six months while you establish a history with them. During this tier 1 phase, they will report trade lines to Equifax Small Business, not Dun & Bradstreet. 

After six months has elapsed, you’ll qualify for tier 2 and then receive net-30 credit terms. When you reach tier 2, the company will start reporting to Dun & Bradstreet monthly.

Here’s how to apply:

  1. Visit Summa’s website at https://summaofficesupplies.com/.
  2. Click on “Create an Account in the top right corner.
  3. Fill in your business information and click submit.
  4. Place your first prepaid order.
  5. Keep placing regular orders to build your business credit with Summa and Equifax Small Business.
  6. Place a $300+ order after six months has elapsed and click on “pay later.”
  7. Get approval within 24 hours (you’ll now be qualified for 30 day invoicing).

Wise Business Plans

Wise Business Plans provides business owners with the help they need to start, run, and grow their business in a way that consistently makes them money. To help these businesses even more, they also offer flexible net-30 accounts for startups and established businesses wanting to build business credit.

Wise Business Plans reports to all the major business credit bureaus like Dun & Bradstreet, Experian, and Equifax.

Before you apply, make sure you've been in business for at least 30 days, have an Employer Identification Number (EIN), have an optional DUNS number, and have no derogatory marks on your business credit reports recently.

Here’s how to apply for a Wise Business Plans net-30 account:

  1. Visit Wise Business Plan’s website at https://wisebusinessplans.com/.
  2. Scroll to the bottom of their home page
  3. Click on the “Net 30 Account” link under Business Funding.
  4. Fill in your business information and click submit.
  5. You'll receive an email within 24 hours with an approval decision and a list of services you can purchase to help grow your business.

Prerequisites: You must file with the Secretary of State, have a DUNS number, and a business phone number with a 411 directory listing.

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Prerequisites: You must file with the Secretary of State, have a DUNS number, and a business phone number with a 411 directory listing.

Net-30 Vendors Who Report to Experian Business

Experian Business is another business credit bureau that is often reported to, and one where creditors often pull your credit report to determine your creditworthiness. It is advisable to have some established lines of credit with this credit reporting agency. Here are some vendors to help you establish business credit with Experian Business.

Uline

Uline.com is our first pick again because this company carries so many useful products, their customer service is fantastic, and they’re extremely easy to work with.

Earlier, we mentioned that Uline reports to Dun & Bradstreet, but they also report to Experian on the first of each month also. As mentioned, setting up a net-30 account with them is super easy. 

Follow these steps:

  1. Call them and tell them you’re a small business that wants to set up a net-30 account.
  2. Give them your business name, billing and shipping address, and business telephone number.
  3. Place your first order with them (there is no minimum or maximum amount).

Shirtsy

Shirtsy offers a net-30 account for building business credit. It allows businesses to start building their business credit score as soon as they sign up, which allows them to qualify for other types of financing in the future. These might include traditional bank loans, business credit cards, and other types of business credit.

Shirtsy is an online platform that helps people find and buy shirts from a trusted source. The company makes sure that it is doing everything possible to build its own reputation while providing a quality service for its customers.

Shirtsy also does print-on-demand teeshirts and other branding collaterals like business cards, etc. These products are perfect for startups wanting to grow their brand successfully.

Customers can find and buy shirts from their online store by searching for popular brands on the website or visiting the storefronts of thousands of businesses near them through Shirtsy’s app.

Here’s how to apply for a net-30 account with Shirtsy:

  1. Visit Shirtsy's website at https://shirtsy.com/.
  2. Click on the “Apply for Net-30” link in the top right corner.
  3. Fill in your business information and click submit.
  4. Get approval within 24 hours (you’ll now be qualified for 30-day invoicing).

Strategic Network Solutions

Strategic Network Solutions is a supplier for Dell Computers, AVG, various hardware and software companies (e.g., PCM, TigerDirect), and they provide information technology services solutions to over 3000 clients globally. They also report to Experian Business and CreditSafe on the last day of every month.

Here’s how to apply for a net-30 account with them:

  1. Visit the Strategic Network Solutions website at https://stntsol.com/.
  2. Click on “Register in the top right corner.
  3. Fill in your business information and click submit.
  4. Choose a $75 downloadable product.
  5. Click “Bill My Net 30” at checkout.
  6. Pay within 30 days.

Crown Office Supplies

Crown Office Supplies offers net-30 credit accounts, and they report to all the major credit bureaus. They work well with new businesses trying to establish their business credit. 

This company sells office supplies and school supplies along with mobile accessories and sanitation supplies. The assortment of products is good, they offer great sales, and they’re continually updating their inventory.

Setting up a net-30 account is easy with them:

  1. Visit their website at https://crownofficesupplies.com/.
  2. Click onAPPLY FOR BUSINESS NET30” (located just above their logo).
  3. Fill out the application.
  4. Receive an email, call, and text letting you know you’ve been approved.
  5. Login to your account and complete your annual membership. Membership is $99 but will be reported to all the business credit bureaus. It may be waived if you have an excellent business credit score.
  6. Make a purchase, and be sure to click on “net-30” at checkout.
  7. Pay your invoice within 30 days.

Wise Business Plans

Wise Business Plans provides business owners with the help they need to start, run, and grow their business in a way that consistently makes them money. To help these businesses even more, they also offer flexible net-30 accounts for startups and established businesses wanting to build business credit.

Wise Business Plans reports to all the major business credit bureaus like Dun and Bradstreet, Experian, and Equifax.

Before you apply, make sure you've been in business for at least 30 days, have an EIN, have an optional DUNS number, and have no derogatory marks on your business credit reports recently.

Here’s how to apply for a Wise Business Plans net-30 account:

  1. Visit Wise Business Plan’s website at https://wisebusinessplans.com/.
  2. Scroll to the bottom of their home page
  3. Click on the link “Net 30 Account” under Business Funding.
  4. Fill in your business information and click submit.
  5. You'll receive an email within 24 hours with an approval decision and a list of services you can purchase to help grow your business.

Net-30 Vendors Who Report to Equifax Small Business

Equifax Small Business is another business credit reporting agency that is important to maintain a good business credit profile with. This company is less reported to than Dun & Bradstreet and Experian Business. However, some companies will check your Equifax Small Business report to determine creditworthiness, so you’ll want to make sure your report is clean.

Crown Office Supplies

Crown Office Supplies offers net-30 credit accounts, and they report to all the major business credit reporting agencies. They help new businesses establish business credit. 

This company sells mainly office supplies. The assortment of products is decent, and they discount items frequently.

Setting up a net-30 account with Crown Office Supplies is easy:

  1. Visit their website at https://crownofficesupplies.com/.
  2. Click onAPPLY FOR BUSINESS NET30” (located just above their logo).
  3. Fill out the application.
  4. Receive an email, call, and text letting you know you’ve been approved.
  5. Login to your account and complete your annual membership. Membership is $99 but will be reported to all the business credit bureaus. It may be waived if you have an excellent business credit score.
  6. Make a purchase, and be sure to click on net-30 at checkout.
  7. Pay your invoice within 30 days.

Shirtsy

Shirtsy offers a net-30 account for building business credit. It allows businesses to start building their business credit score as soon as they sign up, which allows them to qualify for other types of financing in the future. These might include traditional bank loans, business credit cards, and other types of business credit.

Shirtsy is an online platform that helps people find and buy shirts from a trusted source. The company makes sure that it is doing everything possible to build its own reputation while providing a quality service for its customers.

Shirtsy also does print-on-demand teeshirts and other branding collaterals like business cards, etc. These products are perfect for startups wanting to grow their brand successfully.

Customers can find and buy shirts from their online store by searching for popular brands on the website or visiting the storefronts of thousands of businesses near them through Shirtsy’s app.

Here’s how to apply for a net-30 account with Shirtsy:

  1. Visit Shirty's website at https://shirtsy.com/.
  2. Click on “Apply for Net-30” in the top right corner.
  3. Fill in your business information and click submit.
  4. Get approval within 24 hours (you’ll now be qualified for 30-day invoicing).

Summa Office Supplies

Summa Office Supplies sells office supplies and more. Their customer service is great, and they will extend net-30 accounts to new businesses that have yet to establish business credit.

Before you apply for a net-30, you should know they operate on a tier 1 and tier 2 credit system. This means when you open up an account with them, they will automatically put you into the tier 1 category. This category will require you to prepay for your purchases for six months while you establish a history with them. During this tier 1 phase, they will report trade lines to Equifax Small Business, not Dun & Bradstreet. After six months has elapsed, you’ll qualify for tier 2 and then receive net-30 credit terms. When you reach tier 2, the company will start reporting to Dun & Bradstreet monthly.

Here’s how to apply:

  1. Visit Summa’s website at https://summaofficesupplies.com/.
  2. Click onCreate an Account” in the top right corner.
  3. Fill in your business information and click submit.
  4. Place your first prepaid order.
  5. Keep placing regular orders to build your business credit with Summa and Equifax Small Business.
  6. Place a $300+ order after six months has elapsed and click on “pay later.”
  7. Get approval within 24 hours (you’ll now be qualified for 30 day invoicing).

Wise Business Plans

Wise Business Plans provides business owners with the help they need to start, run, and grow their business in a way that consistently makes them money. To help these businesses even more, they also offer flexible net-30 accounts for startups and established businesses wanting to build business credit.

Wise Business Plans reports to all the major business credit bureaus like Dun and Bradstreet, Experian, and Equifax.

Before you apply, make sure you've been in business for at least 30 days, have an EIN, have an optional DUNS number, and have no derogatory marks on your business credit reports recently.

Here’s how to apply for a Wise Business Plans net-30 account:

  1. Visit Wise Business Plan’s website at https://wisebusinessplans.com/.
  2. Scroll to the bottom of their home page
  3. Click on the “Net 30 Account” link under Business Funding.
  4. Fill in your business information and click submit.
  5. You'll receive an email within 24 hours with an approval decision and a list of services you can purchase to help grow your business.
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Tip: Establish net-30 accounts with companies that report to multiple business credit bureaus to leverage them to help your entire credit portfolio.

Frequently Asked Questions

What does 'net-30 terms' mean?

Net-30 terms are accounting terms that refer to a certain payment term that involves buy now and pay later, literally 30 days later.

"Net-30" refers to the net amount of time that a business has to pay for an invoice or other payment before they are subject to late fees. This term is typically used in industries where payments are expected on a monthly basis, but some businesses may extend this concept to be any percentage of time, such as 60 days or 90 days.

A net-30 term often offers discounts to businesses that pay their invoices in full within a shorter period of time than 30 days.

Why do companies pay net-30?

While a full payment upfront would be ideal for business, this is not always the case. There are many reasons why businesses pay net-30, including the following:

  • The company does not have sufficient funds for full payment immediately, but they want to buy from net-30 vendors, and the net-30 vendors cannot refuse their purchase due to the lack of funds.
  • They want to make sure that they have enough time to do all the reviews and quality checks on your product and give you feedback before giving you a full payment.
  • A company may want to get payment from their customer, especially for large orders, before they pay for the goods themselves.
  • A company may need to cancel an order when its customer cancels, and net-30 terms help them maintain adequate cash flow to continue serving other customers.
  • A company needs help building business credit to qualify for other trade credit or a line of credit elsewhere with another lender.

How does a net-30 account work?

Net-30 accounts are a type of payment terms in which the buyer has 30 days to pay for the products or services they received.

Generally, businesses (net-30 vendors) offer net-30 terms (trade credit) because they need to ensure that they get paid as soon as possible and can cover costs. Buyers also love these terms because it gives them more time to use a product before they have to pay for it.

How long does it take for net-30 accounts to report?

The time it takes for net-30 accounts (e.g., trade accounts/net-30 vendors) to report to business credit bureaus is different for each net-30 vendor.

What do the credit terms of '2/10 net-30' mean?

If you see a fraction before "net-30" on an invoice, it simply means the discount you will receive if paid within a said number of days. For example, "2/10 net-30" means that if you pay the full invoice in 10 days rather than 30 days, you'll receive a 2% discount, a savings credit. Likewise, if the invoice reads "5/7 net-30," you'll receive a supplier credit of 5% if you pay the invoice in full within seven days, instead of 30 days (maximum days to pay on time).

Do net-30 vendors charge membership fees?

Net-30 vendors often charge an annual membership for the privilege of opening up a trade account (credit line) with them. This membership fee to vendors is justifiable because net-30 accounts help your business build business credit, which increases the value of your business.

Shirtsy, for example, charges a $99 annual fee for its membership fee. But, again, such an annual fee is not uncommon to pay for the privilege of improving your business credit report and to be able to pay later.

What are the prequalification requirements for opening a net-30 account?

For most vendor accounts, you must meet the following requirements to qualify for net-30 vendor credit:

  • Have a business bank account
  • Be a legal entity
  • Have some business credit history
  • Have trade lines with credit reporting agencies; like those that report to Equifax
  • Have an established credit history and be able to pass a personal credit check
  • Have other accounts where you buy now and pay later; proving you pay the bill on time without late payments

Having a business credit card also helps when trade accounts pull a credit check on your business. Also, make sure you always pay on time and have a great payment history with another net-30 vendor that you can prove through your business bank account or the net-30 vendor directly.

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