Net 30 Vendors to Build Business Credit

Net 30 accounts are used to build business credit and increase business cash flow.

With a net 30 account, businesses buy goods and repay the full balance within a 30-day term. The vendors then report the account as a tradeline with business credit bureaus.

Our Net 30 Vendors to Build Business Credit list will help you choose the best net 30 accounts for your small business.

Recommended: Apply for a Divvy card to build your business credit, earn rewards and access advanced expense management tools. 

10 Easy Approval Net 30 Accounts

Net 30 accounts allow you to build business credit from the ground up. To establish business credit, you'll need to open at least five net 30 accounts that report to the business credit bureaus. 

Once you have an established line of credit with several net 30 vendors and have a good payment history with them, you'll be able to apply for business credit cards and loans from banks or other lenders.

In addition to reporting to various credit bureaus, the net 30 vendors on this list are also easy to open accounts with. We recommend using the top three vendors on this list and choosing two more that best suit your unique business.

Learn about the quickest way to build business credit in our How to Build Business Credit Fast guide.

1. Divvy Credit Builder

Divvy’s credit builder program and expense management platform acts like a net 30 vendor account because it provides you with a secured corporate credit card that is linked to your business bank account. Every expense can be tracked through Divvy’s expense management app and will be taken out of your linked checking account within 48 hours. Essentially, instead of acting as a credit card that you pay off at the end of the month, it's a credit card that you pay off much more quickly. 

The best part is that every charge gets reported to the credit bureaus, so you build your credit with your daily business expenses while having access to powerful software tools to manage your business finances, issue virtual credit cards, and reimburse your employees. 

Divvy keeps track of your payment history and will graduate you to an unsecured credit card which continues to build your business credit and acts like a regular credit card. You also earn reward points for all your expenses. 

Minimum Order Required for Credit Bureau Reporting: All your charges and expenses are reported to the credit bureaus. 

Annual Membership Fee: Free

Products:

  • Credit score builder
  • Rewards credit card
  • Expense Management App
  • Easy reimbursements for employee expenses

Ideal For:

  • Small- and medium-sized businesses
  • Ecommerce businesses
  • Retail businesses
  • Businesses with daily expenses

Customer Service Experience: You can contact customer service by phone at 855-229-3111 Monday–Friday 6:00 a.m.–10:00 p.m. MT and Saturday–Sunday 7:00 a.m.–7:00 p.m. MT. For easy access, you can also email them at signup@divvypay.com or through their contact form.

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2. Office Garner

Office Garner is a must-have net 30 vendor for building business credit. Office Garner reports to several different business credit bureaus 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.

Business Credit Bureau Reporting: Equifax Small Business, Creditsafe, Ansonia, National Association of Credit Management (NACM), and Small Business Financial Exchange (SBFE)

Minimum Order Required for Credit Bureau Reporting: $45

Annual Membership Fee: $0 to maintain net 30 account credit terms.

Products:

  • Office Supplies
  • Apparel
  • Kitchen Appliances
  • Electronics
  • Web Design
  • Business Cards

Ideal For:

  • Any Small Business
  • Logistics companies
  • Tech companies
  • Contractors and the Self-employed

Sample Costs: 

  • Printed T-Shirts: $29.99
  • 1,000 Business Cards: $70
  • Highlighters: $1.04

Customer Service Experience: Friendly and helpful. Answered all our questions, while providing additional insights into their products and their net 30 programs.

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3. Business T-Shirt Club

Business T-Shirt Club is the only membership-based custom apparel printing option for entrepreneurs. This company sells marketing apparel through its T-shirt club, where you sign up as a member and get discounted rates.

Tip: If learning how to establish business credit for the first time, be sure and add Business T-Shirt Club to your list — professional businesses need uniforms and wearable marketing.

Business Credit Bureau Reporting: Equifax Business, Credit Safe, Ansonia, and Cortera

Minimum Order Required for Credit Bureau Reporting: $250 minimum for blank clothing orders, custom design orders require a 12-item minimum.

Annual Membership Fee: $69.99 to maintain net 30 account credit terms.

Products:

  • T-Shirts
  • Sweatshirts
  • Polos
  • Jackets
  • Headwear
  • Clothing Accessories

Ideal For:

  • The hospitality industry
  • Retail businesses
  • Companies with field representatives

Sample Costs:

  • T-Shirt: $2.83
  • Ball Cap: $4.43
  • Polo Shirt: $12.00

Customer Service Experience: Could not reach Business T-Shirt Club by phone. They do have a helpful website with useful FAQs.

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4. Creative Analytics

Creative Analytics offers digital marketing services and tech products. You can get net 30 terms for some services and all of their store items.

Creative Analytics extends credit lines of up to $12,000, helping businesses establish higher lines of credit for faster credit building.

Business Credit Bureau Reporting: Credit Safe and Equifax Business.

Minimum Order Required for Credit Bureau Reporting: $100

Annual Membership Fee: $79 to apply and maintain net 30 account credit terms.

Products:

  • Website Design Services
  • Content Marketing Services
  • Hands-free Reading Lights
  • MacBook Pro/Air USB-C hubs

Ideal For:

  • Online businesses
  • Tech companies
  • Home-based companies

Sample Costs:

  • Marketing Services: $2,000-$10,000 Monthly
  • Adjustable Cell Phone Stand: $12
  • Microfiber Towel (12 pack): $26.88
  • Dry Erase Board: $24.99

Customer Service Experience: We could not reach a live Creative Analytics agent by phone. However, the automated phone prompts were helpful in answering most of our questions regarding Net 30 accounts.

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5. HD Supply

HD Supply is one of the largest industrial distributors in North America. They've been in business for over 80 years and offer more than 200,000 products

HD Supply is our top recommendation for industrial Net 30 accounts.

Business Credit Bureau Reporting: Experian

Minimum Order Required for Credit Bureau Reporting: $0. For your transactions to be reported there has to be a balance in your account at the end of the month. Same month payments and credit card purchases are not reported.

Annual Membership Fee: $0 to maintain Net 30 account credit terms.

Products:

  • Appliances and Electronics
  • Cabinets, Countertops, Doors, and Molding
  • Cleaning and Janitorial
  • Electrical, Hardware, Tools, and HVAC
  • Fitness and Exercise
  • Flooring and Ceiling
  • Furniture, Decor, Linens, and Window Coverings
  • Lighting and Ceiling Fans
  • Office Supplies
  • Paint and Supplies
  • Property Marketing and Signs
  • Safety, Storage, Grounds, and Outdoors
  • Healthcare Supplies
  • Hospitality Supplies and Food Service

Ideal For:

  • Hotels and restaurants
  • Cleaning services
  • Home repair businesses

Sample Costs:

  • Top-Loading GE Washing Machine: $740
  • 100 60-Gallon Trash Bags $99
  • 144 AA Batteries: $77

Customer Service Experience: Professional customer service and support. The representative we reached was very friendly and helpful in explaining how Net 30 accounts work.

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6. Quill

Quill offers cleaning and office supplies for businesses and charges no shipping fee. Quill extends a net 30 credit line after two months of regular purchases. Then it takes another 90 to 120 days before they'll report your payment history with Dun & Bradstreet.

Business Credit Bureau Reporting: Dun & Bradstreet

Minimum Order Required for Credit Bureau Reporting: $100 for first order, then $50 for future orders

Annual Membership Fee: $0 to maintain Net 30 account credit terms.

Products: 

  • Cleaning Supplies
  • Printing and Mailing Supplies
  • Office Supplies
  • Furniture
  • Computers & Accessories
  • Healthcare & Safety
  • Tools & MRO Supplies
  • Teaching & School Supplies

Ideal For:

  • Trucking companies
  • Travel agencies
  • Tech companies
  • Hotels

Sample Costs:

  • Office Paper: $35.99/carton
  • Stapler: $11.49
  • Glue Stick (4 pack): $4.29

Customer Service Experience: Quill's customer service was very professional and customer-centric. Very good customer experience.

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7. NAMYNOT

NAMYNOT is a digital marketing services firm that provides businesses with online marketing solutions. The company offers a vendor credit line of up to $10,000 to help businesses build their credit rating faster.

NAMYNOT offers two net 30 account options. The first is a prepaid credit builder service where they charge a $50 upfront fee for reporting this payment to Dun & Bradstreet. The second is a traditional Net 30 account with 30-day terms on its marketing services.

Business Credit Bureau Reporting: Dun & Bradstreet

Minimum Order Required for Credit Bureau Reporting: No minimum order is required.

Annual Membership Fee: $0 to maintain Net 30 account credit terms.

Services:

  • Content Marketing
  • Inbound Lead Generation
  • Search Engine Optimization
  • Marketing Strategy
  • Social Media
  • Video Production

Ideal For:

  • Telecommunication companies
  • Boutiques
  • Online businesses

Sample Costs:

  • Net 30 Reporting Subscription: $50 per/mo
  • SEO Services: $500+ per month

Customer Service Experience: The customer service representative we called was great. They answered all our Net 30 questions and explained how the pricing worked and was willing to keep in touch to make sure all our concerns were addressed.

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8. Wise Business Plans

Wise Business Plans provides business owners with business planning resources and tools. They also provide digital marketing services and have affiliations with credit-building and business funding partners.

Wise's approval process requires you to be in business for 30 days as well as have an Employer Identification Number (EIN), a DUNS number, and no recent derogatory marks on your business credit reports.

Business Credit Bureau Reporting: Dun & Bradstreet and Equifax Business

Minimum Order Required for Credit Bureau Reporting: $97

Annual Membership Fee: $99 to maintain net 30 account credit terms.

Products:

  • Digital Marketing and Websites
  • Business Branding
  • Business Plans

Ideal For:

  • Startup businesses
  • Local businesses 

Sample Costs:

  • Business plans require a quote
  • Digital marketing plans start at $750/month

Customer Service Experience: Could not reach customer service by phone.

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9. Shirtsy

Shirtsy is an online platform that helps people find and buy shirts from a trusted source.

Shirtsy also does print-on-demand T-shirts 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.

Business Credit Bureau Reporting: Dun & Bradstreet and Equifax Small Business.

Minimum Order Required for Credit Bureau Reporting: $97

Annual Membership Fee: $99 to maintain net 30 account credit terms.

Products:

  • Shirts, Jackets, and Hoodies
  • Shoes
  • Accessories
  • Business Cards

Ideal For:

  • Yoga and fitness studios
  • Local business owners

Sample Costs:

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

Customer Service Experience: Could not reach customer service by phone.

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10. Uline

Uline is a top net 30 account pick. Their customer service is excellent. It was easy and fast to get the help we needed when we called.

Uline reports to Dun & Bradstreet on the first of each month, and setting up a net 30 account with Uline is easy.

Business Credit Bureau Reporting: Dun & Bradstreet and Experian Business

Minimum Order Required for Credit Bureau Reporting: $0

Annual Membership Fee: $0 to maintain net 30 account credit terms.

Products:

  • Shipping Supplies
  • Material Handling and Safety Products
  • Poly Bags
  • Facilities Maintenance and Janitorial Supplies
  • Retail/Store Operations
  • Warehouse Equipment

Ideal For:

  • Warehouses
  • Factories
  • Cleaning services

Sample Costs:

  • Rubbermaid Service Carts: $255
  • 1,000 Postal-Approved Poly Bags: $38
  • 8 oz Hand Sanitizer: $4 

Customer Service Experience: Very informative and helpful. They answered all of our questions patiently and provided insightful information.

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More Net 30 Vendors

The following net 30 vendors offer office supplies and computer products. These net 30 vendors may be more suitable for established businesses as new businesses may have a more difficult time being approved.

Some vendors may require a personal credit check using your Social Security number in addition to an EIN. These companies' terms may not be as favorable as those in the list above, and you'll want to have a good business credit score when applying to these vendors.

Summa Office Supplies

  • Business Credit Bureau: Summa Office Supplies reports to Dun & Bradstreet.
  • Cost: $75 annual fee
  • What They Provide: Office supplies such as paper, pens, staplers, etc. at discounted prices.
  • What Makes Them Different: Summa is an office supply company that offers written trade credit references. This is to help small business owners improve their business credit rating and better qualify for other vendor credit accounts

Summa Office Supplies

Crown Office Supplies

  • Business Credits Bureaus: Crown Office Supplies reports to Dun & Bradstreet, Experian, and Equifax.
  • Cost: $99 annual fee
  • What They Provide: Office supplies like staplers, inkjet printers, fax machines, copiers.
  • What Makes Them Different: Free shipping on all orders.

Crown Office Supplies

Strategic Network Solutions

  • Business Credit Bureau: Experian
  • Cost: No annual fee. (Must purchase an $80 downloadable product.) 
  • What They Provide: IT equipment including computers, software, networking gear, etc.
  • What Makes Them Different: Strategic Network Solutions offers business continuity solutions to protect your business against data breaches, natural disasters, etc. 

Strategic Network Solutions

How to Get Started With Net 30

The process of getting started with a net 30 account is simple. You just need to find a net 30 vendor that reports to at least one of the three major business credit bureaus (Dun & Bradstreet, Experion Business Credit, and Equifax).

Once you've found a net 30 vendor you like, you'll need to fill out an application form and submit it along with whatever fee is required.

After submitting the application, you'll receive a confirmation email stating whether the application has been approved.

Once it's approved, you'll be given access to your online account where you can manage your invoices and payments.

The vendor will report your payment history to major credit bureaus, helping build your credit score.

Tip: Paying early on invoices to your vendor credit business accounts can boost your credit reports.

More Strategies to Build Business Credit Fast

There are many companies that help build business credit. But there is a process for building business credit faster. Here are the steps to follow:

1. Form an LLC

Most lenders and banks require that a business is set up as a legal entity before they will extend credit.

Forming an LLC is the simplest and most affordable legal business entity that offers limited liability protection. For businesses that require capital from outside investors, we recommend reviewing our LLC vs. Corporation guide.

Recommended: Learn more about the cost of forming an LLC. Visit our best LLC formation services review.

2. Open a Business Bank Account

A business bank account separates your personal finances from business finances. This is critical for upholding limited liability protection. Lenders, banks, and creditors often use business bank accounts to determine eligibility for loans and other forms of credit.

For help with choosing the right bank for your unique business, check out our Best Banks for Small Business review.

3. Get a Business Credit Card

Business credit cards are an excellent way to build business credit. Credit card issuers report to the major business credit bureaus monthly, helping your credit.

Recommended: Get the Divvy card to build your business credit quickly and to manage all your company expenses with Divvy’s card-plus-software solution that easily integrates with your accounting platform.

4. Get Business Insurance

Most banks and some creditors will require businesses to carry insurance. Most banks require at least a general liability policy. This is because small business insurance protects your business assets and in turn, reduces the bank’s risk in lending to your business. 

Learn more about choosing the right insurance for your small business in our Best Small Business Insurance review.

5. Apply for a Business Loan

Business loans give you access to larger amounts of capital. Business owners use this capital to grow their companies quickly.

Being approved for business loans with the best terms is the ultimate goal of building business credit. By having followed the steps above and making payments on time, you've set yourself up for approval for the best business loans.

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Check out our Lendio business loan review to learn more about applying for business loans.

Frequently Asked Questions

What is business credit?

 What is business credit? Business credit is a type of credit that is granted to businesses to help finance their operations. The purpose of business credit is to help businesses grow and expand their operations. Businesses can use business credit to purchase inventory, equipment, and other supplies needed for their operations. Businesses can also use business credit to finance the construction or expansion of their businesses. They can also use business credit to cover the costs associated with starting up a new business venture. Businesses can also use business credit to finance the purchase of an existing business.

Tradeline companies, i.e. credit companies (like any Net 30 Account) help establish and build business credit.

Find out how to access your Equifax business credit, Dun and Bradstreet credit report, and your Paydex score.

More key things to learn about business credit are:

What does 'net 30 terms' mean?

Net 30 terms are a "buy now, pay later" arrangement giving businesses 30 days to pay off an invoice for products they've already received. If the business honors this arrangement, paying off the debt within 30 days, there are no interest or fees to pay.

"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 the 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.

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 (i.e., 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 (the maximum days to pay on time).

What are the main business credit bureaus?

There are three main business credit bureaus: Dun & Bradstreet, Experian Business, and Equifax Business.

How do I check my business credit score?

To check your business credit score you'll need to contact the business credit bureau for the score you wish to check. Each credit bureau has its own credit scoring system. For example, Dun & Bradstreet's PAYDEX score is from 1-100, where one is the worst score and 100 is the best.

Should I check all three business credit scores?

Checking all three business credit scores will help you know where you stand when applying for trade credit, a business credit card, or a loan. Having a positive payment history is important for building business credit.

Why do I need net 30 accounts?

Net 30 accounts offer numerous benefits. Being able to purchase items before paying helps with cash flow. Cash flow problems are the main reason businesses fail. Besides cash flow, net 30 accounts help establish business credit. When lenders pull your business credit report they are looking for on-time payments and to see how well you manage each trade credit account.

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.

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

Most vendor accounts require you to meet the following requirements for net 30 vendor credit:

Tip: Having a business credit card can help when trade accounts pull your business credit report. Make sure you make on-time payments when using these cards.

How does customer service play a role in choosing net 30 vendors?

We recommend partnering with net 30 vendors that offer high customer service standards. Companies with the highest customer service standards are the most legitimate and flexible when it comes to working with your new business. Amazon customer service, for example, represents some of the highest standards. Try to pick partners that emulate Amazon's customer support standards.

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