Building business credit is one of the most valuable things you can do for your company's long-term financial health. Strong business credit unlocks better financing, higher credit limits, and favorable terms with vendors — all without risking your personal credit score.
Before building credit, you need the basics: LLC or corporation, EIN, business address, business phone number, and a business bank account. Credit bureaus like Dun & Bradstreet, Equifax Business, and Experian Business need to find your business as a legitimate entity.
Register for a free D-U-N-S Number at dnb.com. This is your business's identifier with Dun & Bradstreet, the largest business credit bureau. Without it, many vendors can't report your payment history.
Net 30 accounts let you purchase now and pay within 30 days. Many vendors report these payments to business credit bureaus, helping build your score. Start with easy approvals like Uline, Quill, and Grainger.
💡 XbyZ Tip: Always pay Net 30 accounts early — paying on day 15 instead of day 30 builds your score faster.
A business credit card in your company's name, paid in full monthly, builds credit while giving you purchase rewards. Chase Ink, American Express Blue Business, and Capital One Spark are popular options for startups.
Check your business credit reports regularly at Nav.com — it's free and shows your scores from all three business bureaus. Dispute any errors immediately.
XbyZ Financial Services helps California startups set up banking, credit, and merchant accounts from $199.
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