👉 Step 6️⃣ - Rebuild your credit. Reclaim your funding power.
💼 Included in Full Access Plan
Access credit-building tools, Net-30 vendor lists, and funding prep strategies built for real-world success.
🟢 Free during MVP — full access, no strings.
🔓 View Pricing & Access Plans →
Business credit opens the door to funding, vehicles, equipment, and real structure — without risking your personal credit. You don’t need a perfect score to get started.
✅ What You’ll Learn
- How business credit works (vs. personal credit)
- How to build your first Net-30 accounts
- What a Paydex score is and how to use it
- How to stay compliant and fundable
🧱 Step-by-Step: Building Business Credit
1️⃣ Set up your business foundation
- ✅ LLC (done!)
- ✅ EIN (done!)
- ✅ Business bank account
- ✅ Business email + phone number
- ✅ Business address (home or virtual is fine)
2️⃣ Open Net-30 vendor accounts
Vendors that report to credit bureaus and help you build your profile:
- Uline – Shipping & packaging
- Shirtsy – Apparel & branding
- Crown Office Supplies – Office items
- Office Garner – Business supplies
- Nav Prime – Credit builder & monitoring
- Murphy’s USA – Fuel card
Use your business name + EIN when applying.
3️⃣ Make small purchases and pay early
- Use each vendor to buy something small ($50–$75)
- Pay off invoice within 10–15 days
- Most report within 30–60 days
4️⃣ Track your Paydex Score
- Use Nav.com to monitor
- Aim for 80+ Paydex score (shows you’re paying early/on time)
- After 3–5 accounts report, you’ll start seeing offers for net-60s, store cards, and fuel cards
🧰 Bonus Tools
- Nav.com → Free & paid tiers for credit tracking
- Dun & Bradstreet → Create or claim your D-U-N-S number
- Experian Business → Set up your profile
🚫 Credit Don’ts:
- Don’t use your SSN when applying for Net-30s
- Don’t mix personal and business expenses
- Don’t apply for too many accounts too fast — build slowly and intentionally
🌱 After 90 Days
With 3–5 tradelines reporting, you may be ready to:
- Apply for store credit (Staples, Amazon, etc.)
- Fuel cards (WEX, Shell, etc.)
- Business credit cards (Amex, Capital One Spark, Divvy, etc.)
- Get approved for vehicle financing, leases, or equipment under your EIN
📊 Business Expense Tracker (Google Sheet)
📥 Open in Google Sheets (Click Here)
Use this simple Google Sheet as a starting point to track your business expenses.
You can customize it as your business grows — just make sure to record every purchase related to your operations.
Keeping good records will help you stay organized, save on taxes, and prepare for funding.
You don’t have to “fix” everything — you just have to start where you are and build forward.
🔽 Ready for Step 7? 👉 Click here to ReClaim My Contracts
or
Click Here for the Main Portal or Start at Step 1