Strong business credit unlocks better loan rates, higher grant eligibility, and more funding options. Follow these steps to build yours from scratch.
Browse Business LoansExcellent
Best loan rates, most grant eligibility
Good
Most SBA loans available
Fair
Microloans and CDFIs available
Building
Start with secured cards and trade lines
Follow these in order. Most businesses see measurable improvement within 90 days.
Check your current business credit score with Dun & Bradstreet (D-U-N-S number), Experian Business, and Equifax Business. Identify any errors and dispute them immediately.
Get your D-U-N-S number free at dnb.comSeparate your personal and business finances. Lenders and grant reviewers look for this. A business checking account establishes your business as a legitimate entity.
Open a free business checking accountApply for a secured business credit card or a starter card like the Capital One Spark Classic. Use it for small recurring expenses and pay the full balance every month.
Compare business credit cardsOpen net-30 accounts with vendors like Uline, Quill, or Grainger. These report your payment history to business credit bureaus and build your score quickly.
Apply for a Uline net-30 accountBusiness credit bureaus reward early payment. Paying net-30 invoices in 10–15 days (net-10) gives you a higher Paydex score from D&B, which is critical for loan approval.
Set up automatic bill paymentsForm an LLC or corporation, get an EIN from the IRS, register with your state, and get a business license. Lenders and grant programs require this documentation.
Get your free EIN from the IRSTools and programs to help you build credit and find funding
Free business mentorship from retired executives
Free online courses on business credit and finance
Monitor all three business credit scores in one place
Get your D-U-N-S number and monitor your Paydex score
Find Community Development Financial Institutions near you
0% interest loans up to $15,000 — no credit check required
Once your credit is on track, explore grants and loans matched to your business — no credit check required for most grants.