Separate your business finances from personal. Access credit cards, loans, and lines of credit up to $5 million.
Business credit doesn't affect your personal credit score. Build your business without risking your personal score.
Business lines of credit can range from $10,000 to $5 million. Way more capacity than personal cards.
Business expenses on business credit are tax-deductible. Personal expenses on business credit are not.
Many vendors report to business credit bureaus. Build trade credit to access better financing.
Different from personal bureaus. Each tracks business credit differently.
LLC, C-Corp, or S-Corp — you need a formal business structure before you can build business credit.
Your Employer Identification Number (EIN) from the IRS is required. Get a dedicated business phone line.
Open a business checking account. Keep personal and business finances completely separate.
Get a D-U-N-S number from Dun & Bradstreet. This is the foundation of business credit.
Open accounts with vendors that report to business credit bureaus (Sam's Club, Grainger, Uline).
Use business cards from issuers that don't report to personal credit (Amex, some banks).
No. Business credit is completely separate from personal credit. Opening business cards or loans doesn't show up on your personal credit report — unless you personally guarantee and default.
It typically takes 6-12 months of active tradeline building to establish meaningful business credit. Some businesses see scores within 90 days.
Yes, you need a formal business entity (LLC, C-Corp, S-Corp). Sole proprietorships can't establish separate business credit.
Depending on your business credit profile, you can access $10,000 to $5 million+. Business credit cards often start at $5,000-$25,000 and grow with your profile.
A D-U-N-S number is a unique identifier assigned by Dun & Bradstreet. It's the foundation of business credit — lenders, vendors, and insurers use it to look up your business.
Get a free business credit analysis. We'll tell you where you are and exactly what to do next.
Get Your Free Analysis →