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Business credit

Stop borrowing on your own name.

Most owners fund on personal credit for years without realizing there's another track. Building a real business credit profile is the difference between a 1.4 factor rate and prime-plus pricing.

Pre-qualify in 4 minutes 612-927-2055
90 daysProgram length
60–120 daysTo visible movement
3 bureausDun & Bradstreet, Experian, Equifax
A business owner reviewing business credit reports with a consultant
Overview

Why your business has no credit file — and how to fix it

Business credit doesn't build itself. Unlike personal credit, where a card reports automatically, most vendors and lenders don't report to business bureaus at all. You can run a profitable company for six years and still have an empty Dun & Bradstreet file.

The consequence is that every application gets underwritten on your personal score, every approval requires a personal guarantee, and your funding ceiling is capped by your own credit rather than your revenue.

Fixing it is procedural, not magic. Get the entity and its identifiers consistent everywhere, establish the markers bureaus look for, open tradelines that actually report, and let time and payment history do the rest.

  • Entity and identifier audit — name, address, phone and EIN consistent everywhere
  • D-U-N-S registration and bureau file setup across all three
  • Vendor tradelines that report — not the ones that quietly don't
  • Utilization and payment structure designed for how business bureaus score
  • Personal credit clean-up alongside, because it still matters early
  • A funding roadmap tied to the milestones as they unlock

Separation

Business risk off your personal file.

Better pricing

Prime-plus instead of factor rates.

Higher limits

Revenue-based, not FICO-capped.

Every figure here is a typical range across our network, not a quote. Real terms come from your file.
Rates & terms

What this program actually looks like.

Program length90 days of active work, 6–12 months of compounding
Month 1Entity audit, identifiers, bureau registration, compliance markers
Month 2Tier 1 vendor tradelines opened and reporting verified
Month 3Tier 2 accounts, utilization structure, first funding applications
OngoingQuarterly file review and a funding roadmap as tiers unlock
Typical first movement60 – 120 days

Ranges reflect typical structures across our lending network. Final terms are set by the funder after underwriting.

Qualifying

What underwriting looks for

  • A registered US entity in good standing
  • An EIN and a dedicated business bank account
  • A business phone number and a compliant business address
  • Willingness to run purchases through reporting tradelines
  • Patience — this is a 90-day build, not a weekend fix
Check where I land

Documents to have ready

  • Entity formation documents and EIN letter
  • Current business bank statements
  • A list of existing vendors and credit accounts
  • Personal credit report (you pull it, we review it)
Send statements as PDFs straight from online banking. Screenshots and scans slow underwriting by days.
The process

From first call to funded

  • 01

    Audit

    We pull all three business bureau files and find every inconsistency holding you back.

  • 02

    Foundation

    Identifiers aligned, D-U-N-S established, compliance markers set.

  • 03

    Tradelines

    Open accounts that genuinely report, in the right order and the right tiers.

  • 04

    Leverage

    As the file builds, we map it to the funding it unlocks and apply at the right moment.

Right fit

When this is the answer

  • You keep signing personal guarantees on every deal
  • Your limits are capped by FICO, not revenue
  • You're planning a larger raise in six to twelve months
  • You want business risk off your personal file
  • You were declined for reasons you didn't understand
Look elsewhere

When it isn't

  • You need capital this week — fund first, build alongside
  • You want personal credit repair only — that's a different licensed service
  • You expect a score change in 30 days
  • You won't run purchases through the tradelines
Questions

Business Credit, answered.

Tradelines typically begin reporting in 30 to 60 days, and a usable file usually takes 60 to 120. Anyone promising a business credit profile in two weeks is selling something that doesn't exist.
No. Credit repair disputes items on a personal report and is a separately regulated activity. This is business credit building — establishing a business credit file that mostly doesn't exist yet. We'll refer you to a licensed credit repair organization if that's what you actually need.
Over time and not immediately. Early business funding almost always carries a PG. As the business file matures and revenue supports it, some funders will reduce or drop the guarantee — but treat that as a year-two outcome, not a promise.
Yes, and it's usually the right sequence. Fund what you need now with what your file supports today, and run the credit build in parallel so your next round prices better.
Far less than people assume. Many vendors, most landlords and plenty of lenders don't report at all. The core of this work is knowing which accounts report to which bureau and opening them in an order that compounds.
Ask Night Fox a different question
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Ready when you are

Ready to move on business credit?

A four-minute application, a soft review, and no impact on your credit. Travis reads every file personally and calls back with real options — usually the same business day.

Talk to Travis directly612-927-2055
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