Business credit opens doors that personal credit cannot — better financing terms, higher limits, and vendor relationships that don’t touch your personal score.
Step one: make it official
Form your entity, get your EIN, and open a dedicated business bank account. Lenders want to see clean separation.
Step two: start reporting
Open accounts with vendors that report to business credit bureaus, and pay early — not just on time. Early payment is the single biggest score driver on Dun & Bradstreet’s PAYDEX.
Step three: build the file
A business credit card, a small vendor line, and six months of early payments will establish a usable file. Then revisit your financing options — you’ll be surprised what changes.
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