Build or repair your business credit profile — from EIN/DUNS registration to monitoring. High-intent: owners who work on credit now qualify for better terms later.
Business credit is built in layers: entity formation first, then a business bank account, then trade lines (credit cards and net-30 vendors), then monitoring. Each step is a prerequisite for the next — a lender or credit bureau cannot create a business credit file for an entity that doesn't exist separately from you. The goal is three or more trade lines reporting to Dun & Bradstreet, Experian Business, and Equifax Business within 12–18 months.
Monitors your Dun & Bradstreet, Experian, and Equifax business scores in one dashboard — and shows which lenders are most likely to approve you right now. The first step in any credit-building plan.
No personal guarantee required — approved on the business's cash position, not the owner's FICO. Reports to business credit bureaus from month one, building trade lines without touching personal credit.
Handles EIN filing, registered agent, and annual compliance in one place. A properly formed LLC with a separate EIN is prerequisite #1 for any business credit bureau file — lenders verify entity status before they pull scores.
A dedicated business checking account separates personal and business finances — a non-negotiable requirement for any lender or credit bureau to treat your business as a separate credit entity.
Clean, separated books are what lenders request alongside your business credit report. QBO produces the P&L and bank reconciliations that let you show positive cash flow even while FICO is still climbing.
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Start with entity formation: register an LLC or corporation and obtain an EIN from the IRS. Then open a dedicated business checking account. Next, open a business credit card that reports to the business bureaus — Brex reports from the first billing cycle without requiring a personal guarantee. Add net-30 vendor accounts from Nav's marketplace to add additional trade lines. Monitor all three bureau scores (D&B, Experian Business, Equifax Business) via Nav.
A DUNS number is a 9-digit identifier issued by Dun & Bradstreet for your business. D&B uses it to anchor your Paydex score — the most commonly checked business credit score by lenders and suppliers. You can register for a DUNS number for free at dnb.com. ZenBusiness can assist with the registration process alongside LLC formation.
With consistent trade line activity, most businesses can establish a scoreable D&B Paydex and Experian Business credit file within 6–12 months. Reaching a strong score (80+ Paydex) typically takes 12–18 months of on-time payments across three or more reporting trade lines. Nav monitors your progress in real time.
It depends on whether the card reports to personal credit bureaus. Most traditional business cards still pull your personal credit and report to personal bureaus. Brex Corporate Card does not require a personal guarantee or personal credit pull — it reports only to business bureaus, keeping your personal credit profile unchanged while building business credit history.
The FTC's guidance on business credit reporting rights and what small businesses should know about their credit files.