Build a Strong Business Credit Profile Separate from Your Personal Credit
Keep business expenses separate from your personal credit profile
Business credit profiles can access significantly higher limits
Strong credit profiles increase business valuation and acquisition value
Review current business credit reports and identify opportunities
Create custom plan for D&B, Experian, and Equifax profiles
Guide you to strategic vendor and trade credit accounts
Track Paydex scores and optimize for higher credit limits
Business credit is tied to your EIN and business entity, not your SSN. It's calculated separately by agencies like Dun & Bradstreet (Paydex score), Experian Business, and Equifax Business. This separation protects your personal credit and allows you to access larger credit lines based on business performance.
The Paydex score (0-100) from Dun & Bradstreet measures how quickly you pay business invoices. A score of 80+ (paying early) opens doors to premium vendor credit, better terms, and higher credit limits. It's one of the most important business credit metrics.
With strategic planning, you can establish initial business credit in 3-6 months. Building a strong profile with high scores typically takes 12-18 months. We provide a timeline plan based on your business age, revenue, and credit goals.
Not necessarily. While some business credit cards require a personal guarantee initially, many vendor accounts (Net-30 accounts) report to business credit bureaus without checking personal credit. We help you build strategically based on your current credit situation.
We provide business credit report analysis, strategic guidance for D&B, Experian, and Equifax business profiles, trade vendor account recommendations, Paydex score optimization strategies, business credit card guidance, and ongoing monitoring recommendations.
Business credit building is included in our comprehensive consulting programs. We offer different tiers with varying levels of support and additional services. Schedule a free consultation to discuss which program fits your business goals and receive custom pricing.
Leverage your business credit to access 0% APR funding and working capital.
Learn MoreNeed an entity to build business credit? We handle LLC formation and EIN registration.
Learn MoreOptimize your personal credit alongside business credit for maximum funding access.
Learn MoreSeparate your business from personal credit and unlock larger credit lines.
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