Maverick Credit Builder

A great resource for building business credit and seeing your business credit reports at the same time, with tons of resources to help your busienss grow. Subscribe to MaverickCreditBuilder.com . With their $34.99 a month, StartUp Plan you’ll get access to tradeline reporting, which includes a credit reporting boost of your MCB Membership monthly payment.

MCB was one of a few vendors on our list of net 30 accounts for new business in 2022 that stuck in the Top 5 all year, and they are trending to repeat this act in in 2023.

Fortunately, The $34.99/mo StartUp Plan, does not come with tradeline reporting. So it’s worth signing up for a three month or year plan. This way you can quickly review your business credit scores from Experian Business, and Equifax Business.

Monthly Fee: $35-$99
Perks: Monthly Credit Reporting, High Credit Lines, 
Credit Check: No
PG: No
Approval Speed: Instant
Requirements: Legal business name and address
Reports to: D&B, Experian, and Equifax

Nav Business

A great resource for building business credit and seeing your business credit reports at the same time is to subscribe to Nav.com. With their $40 a month, Business Boost Plan you’ll get access to tradeline reporting, which includes a credit reporting boost of your Nav Membership monthly payment.

Nav was one of a few vendors on our list of net 30 accounts for new business in 2021 that stuck in the Top 5 all year, and they are trending to repeat this act in in 2022.

Unfortunately, The $30/mo Business Manager Plan, does not come with tradeline reporting. So it’s only worth signing up for a month here or there. This way you can quickly review your business credit scores from Dun & Bradstreet, Experian Business, and Equifax Business, along with your personal credit scores from TransUnion and Experian.

if you just need a range rather than an exact score, you still get credit summaries (A to F) from all but TransUnion by downgrading to a Free Plan once you get the business credit cards or loans you desire.

• Monthly Fee: $30-$50
• Perks: Identity theft & Lost wallet protection
• Credit Check: No
• PG: No
• Approval Speed: Instant
• Requirements: Legal business name and address
• Reports to: D&B, Experian, and Equifax

Quill
 

The selection of office supplies at Quill is one of the best out there. Unfortunately, they’ve almost turned into a Tier 2 vendor due to their requirement of at least three $100 monthly purchases to get NET 30 terms on top of their annual membership fee.

If you need $100 per month in products they sell that you can’t find at the other office supply vendors, then applying for their trade credit might be worthwhile.

Annual Fee: $50 (regularly $99)
Minimum Purchase: $100
Approval Requirements: EIN —> DUNS —> Active customer or 120 days in business + Active tradelines
Reports to: Dun & Bradstreet

Their product catalog contains a wide range of handmade jewelry from the Lauren G Adams signature line that includes rings, bracelets, earrings, and necklaces. On top of this, they offer hair, beauty, bath products for both men and women, as well as gift baskets, and an assortment of home decor items.

You can also get 10% off your first purchase on vendor credit by subscribing to their newsletter.

That you can get a 15% discount through June 20th during their Father’s Day sale by using the the coupon code JJDAD22. Feel free to also take a look at our JJ Gold net 30 reviews to see our hand-chosen pieces and must views from their fine line of custom jewelry and beauty products.
Annual Fee: $99
Minimum Purchase: $50
Due Date: 30 days from invoice date
Reports to: D&B and Equifax

Shirtsy
A direct to garment, on-demand printing company, Shirtsy will allow you to design and customize t-shirts, business cards, and other items while reporting to multiple commercial credit agencies.

To get NET 30 terms and credit reporting you have to pay an annual membership fee of $99. This fee can be waived for those with exceptional credit history, but brand new businesses are unlikely to qualify.

Annual Fee: $99
Spending Limit: $400 monthly
Credit Limit: up to $2,000 – $4,000
Application: No PG/No personal credit check
Approval Requirements: At least 30 days in business
Reports to: D&B, Experian, Equifax, Credit Safe, SBFE, Ansonia, Paynet, and NACM

eCredable
 

You can boost your business credit scores at multiple commercial credit agencies by having eCredable report your business utility and telecom payments. There is no credit department or credit application here, all you have to do is pay their $50 setup fee and then link your online accounts for electricity, water, gas, internet, TV, and phone bills to them.

Once connected they will download up to 24 months of payment history and report all of your past bills payments to Equifax, Creditsafe, and Ansonia. As long as you stay a member for $10 per month, they will automatically report future payments from all of your linked accounts. As for DNB and Experian Business, only your eCredable subscription fee will be reported.

Only linked utility accounts verified to be in the business name will be reported to Equifax and Ansonia, while Creditsafe does allow reporting of accounts established in the business owner’s name, as well as those in your company name. Do note that all payment history is reported whether positive or negative, so be sure not to link any accounts with late payments or that were in default.

On-demand account verification is also available for business utilities that you are unable to link to, as well as, payments history of:

Non-reporting vendors, suppliers, business credit cards, or loans
Office and virtual office rent
Business insurance, legal, and business services
Equipment and office furniture leases
Manual verification by phone is required for on-demand requests, so they are not automatic, just one-time reports which cost $20 per account each time you want to verify payment history.

Setup Fee: $50
Monthly Fee: $10
Reports to: Equifax, Credit Safe, and Ansonia

Divvy
Quick approvals for the Divvy Corporate Card are mainly based on business revenues rather than personal credit scores. While they require you to sign up for a demo to apply, the Divvy application process is quite simple.

At first, they ask for some simple personal and business details like contact information and your Employer Identification Number. Then they try to find out more about your business spending habits, by having you content your business bank accounts.

Divvy doesn’t seem to care much about bad credit scores, just mainly spending habits. If your bank statements show a healthy cash flow, and you pay some monthly bills or online subscriptions via credit card this will help get you higher credit limits.

While Divvy can approve corporations for up to $15 million, most small business owners would only receive a credit limit of up to $50k. Their rewards program also offers up to 7x bonus points for restaurant purchases and 5x on hotels, and 1.5x on everything else. The catch-22 is that you have to pay your bills weekly or bi-weekly to maximize your rewards point earnings.

As a cardholder, you’ll also get full to Divvy’s expense management software and budgeting tools. Aside from that, they offer unlimited virtual cards and employee cards, and all card payments get reported to the Small Business Financial Exchange (SBFE).

While Divvy corporate charge cards do not have an annual fee. there are some foreign transaction fees in the form of 0.90% cross-border fees, and 0.20% currency conversion fees.

Sam’s Club
One of the most enjoyable perks of the Sam’s Club Business MasterCard is that you can use it as a net 30 account and earn cash back on your Walmart and Sam’s Club purchases.

To ensure you don’t accidentally offer a personal guarantee, you have to fill out their business credit card application, and that only you allow them to use your SSN for verification purposes only. At first, be sure you enter your EIN only so that credit card approval will be based on the strength of your business purchasing power. The best way to apply for a Sam’s MasterCard is in-store, so you can have the sales rep contact to personally call their credit department to discuss why you don’t want to give a personal guarantee or to ensure your personal credit is not checked. If this is in doubt, be sure you block it.

Once you have your Sam’s card, you earn up to 5% back in Sam’s Cash when making in-store purchases. You can also get 5% back on gasoline purchases up to $6,000 (1% thereafter), 3% back on dining and takeout, and 1% back on all other purchases.

As an added credit building bonus, your Sam’s Business Club MasterCard payment history will get reported to Experian and Dun & Bradstreet.

Experian Boost


While not a net 30 vendor, you can instantly get a 10-20 point boost to your FICO score, just by signing up for Experian Boost. While this is related to personal credit reporting, you’ll find a strong FICO score will help you secure business loans and bank financing much faster.

To get a FICO boost, just register a free account at Experian, and then link your bank or credit card accounts where you make utility and telecom bill payments. As long as you’ve made on-time payments on a few different bills, they will typically reward you with an average score boost of around 13 points.

Your FICO boost is also instantaneous, so once you get connected, you see right away how much your score has improved. The more bill payment accounts you add, the more credit history you can build. Consumers with poor to fair credit are likely to benefit the most by adding these personal tradelines to their consumer credit reports.

After signing up for Experian Boost, you will also get automatically enrolled for a free, basic Experian CreditWorks membership. This allows you to enjoy some free credit monitoring, as well as, get your FICO score for free too.

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