Business credit establishment
Build business credit in your company's name, not on your personal credit.
We guide owners through the exact order that business bureaus and vendors expect, from matching records and a free D-U-N-S number to Net 30 vendor accounts that report, so the company builds credit on its own EIN instead of leaning on your personal credit.
Free consultation in English or Spanish. Based in Miami, Florida, serving owners across the U.S. and abroad.
Why business credit
Separate business and personal credit.
When a business has its own credit file, the owner stops carrying every purchase on personal credit.
A separate file
The company builds its own credit file with business bureaus, tied to its EIN and kept separate from the owner's personal score.
Room to grow
Equipment, inventory, and hiring can move forward on the company's own profile, without touching personal credit. When you later apply for a business loan with a bank or lender, the company has a file to show.
Protects personal assets
Separating business and personal obligations helps shield what you own from the risks the business takes.
More buying power
Net 30, Net 60, and Net 90 vendor terms let the company buy now and pay on terms, instead of paying everything upfront.
Two phases
A foundation first. Then a payment history.
Phase 2 builds on Phase 1. Accounts opened before the foundation is in place often don't count.
Corporate identity & digital presence
- Name, address, and phone match everywhere (NAP)
- Website, Google Business Profile, and major listings
- D-U-N-S number with the correct SIC/NAICS code
Trade lines & scoring
- PAYDEX monitoring and on-time payment plan
- Net 30 vendor accounts that report, then Net 60 and Net 90
- Experian and Equifax business profiles and FICO SBSS
The roadmap
Eight stages. The order matters.
Each stage prepares the next. Explore the full detail on How It Works.
- 1UniformityThe same legal name, physical address, and business phone everywhere.
- 2Digital presenceA website on your own domain and consistent business listings.
- 3D-U-N-SRegistered with Dun & Bradstreet under the right classification.
- 4PAYDEXUnderstand and monitor the score that tracks on-time payment.
- 5Net 30The first reporting tradelines, opened in the right order.
- 6Net 60Longer terms as the payment history grows.
- 7Net 90Negotiated upgrades with established vendors, at a later stage.
- 8EstablishedA business profile that stands on its own, tied to the EIN.
Who it's for
Built for owners who want the company to stand on its own.
New LLCs and corporations
A new LLC or corporation with an EIN that wants to build business credit the right way, in the right order.
Growing businesses
Owners who have been carrying business purchases on personal cards and want to separate them.
International owners
Owners of a U.S. LLC who live in South America or elsewhere abroad, including owners who use an ITIN.
Businesses with "some" credit
Companies with vendor accounts that may never have reported, or that don't know their PAYDEX.
The program
One program. One clear price.
A specialist confirms on your free consultation which stage your business is at and what the program will focus on first.
- 8 stages, in order
- 2 program phases
- ~180 days, typically
- $870 one-time program
The program
Business Establishment Program
Payment options
- Pay in full$870 today
- 2-payment plan$435 today + $435 in 30 days
- Afterpay4 interest-free payments of $217.50
Pay in 4 interest-free installments with Afterpay. Subject to Afterpay approval; late fees may apply. See Afterpay's terms.
Choose your option on your free consultation. Your specialist sets it up with you.
- All 8 stages, guided in order
- Record uniformity review (name, address, phone)
- Digital presence and business listings
- D-U-N-S registration guidance (free from D&B)
- Net 30, Net 60, and Net 90 vendor strategy
- PAYDEX, Experian, and Equifax business monitoring plan
- Support in English and Spanish
Results depend on the business paying every account on time and on decisions made by bureaus and vendors. No specific score, approval, limit, or timeline is guaranteed.
FAQ
Questions owners ask us
How do I build business credit for a new LLC?
Start with uniform records, an EIN, a business bank account, and a website and listings that match. Then get a free D-U-N-S number and open Net 30 vendor accounts that report. Paying each one on time builds the file. That is the 8-stage order we follow.
Can I build business credit with only an EIN, without an SSN?
Often, yes. Some Net 30 vendors approve on the company's EIN alone, and that is where we start for owners who use an ITIN or have no U.S. personal credit. Other vendors may ask for an SSN or a personal guarantee; that is their decision.
How long does it take?
Typically about 180 days. Timing depends on how quickly records are made uniform and on the business paying every account on time.
How much does it cost?
The Business Establishment Program is $870 one-time. You can pay in three ways: $870 in full; a 2-payment plan of $435 today and $435 in 30 days; or Afterpay, 4 interest-free payments of $217.50 (subject to Afterpay approval; late fees may apply). A specialist confirms what fits your stage on the free consultation.
Guides
Business credit guides
Plain-language guides, with sources.
Business vs. personal credit
Who keeps each file, how they're scored, who can see them, and how to keep your LLC's credit separate.
Read the guideLoan readiness guide
What lenders typically review before a business loan, and how business credit helps you prepare.
Read the guidePAYDEX score explained
What D&B's 1 to 100 score measures, what the ranges mean, and how a new business builds one.
Read the guide“Stop leveraging your personal credit and let your company work for you.”
Find out where your business is today. The consultation is free.