Best Business Credit Building Companies in 2025
Good business credit is often essential for securing financing for your company, especially if you’re interested in raising large amounts of money through a business loan or business line of credit from a traditional financial institution.
Here are some of the best business credit building companies in 2025. They can help you establish your business credit history, monitor your progress as you go, and fund your business operations.
1. eCredable
Generally, the more tradelines you have in your business credit reports, the easier it is to build strong business credit. However, opening multiple business tradelines one at a time can be surprisingly expensive, not to mention, time-consuming.
eCredable offers an efficient shortcut. With our Business Lift program, you can report the recurring business expenses you’re already paying to the business credit bureaus, transforming each of them into a separate vendor tradeline.
There’s no limit to the number of expenses you can report, and in addition to your current payments, you can report up to two years of historical activity. We’ll even report your monthly eCredable subscription as its own tradeline to give you an extra boost.
As a result, you can use eCredable to expand and deepen your business credit history much more quickly and affordably than you could with traditional vendor tradelines, such as net 30 accounts.
In fact, our clients see an average increase of 32 points in their business credit score at each participating business credit bureau in the first three months. Get started today with no hard pull of your business or personal credit score.
2. FairFigure
FairFigure is a business credit management platform that offers credit monitoring, financing, and credit building products and services. Its goal is to provide business owners with everything they need to build business credit in one place.
The credit monitoring services include access to your business credit reports and scores at Dun & Bradstreet (D&B), Creditsafe, and Equifax Business.
You’ll also get FairFigure’s proprietary Fundex Report and Foundation Score, which incorporate your financial data. The only business credit report missing from their service is Experian Business.
They also provide all three major personal credit reports and scores, including those from TransUnion and the consumer divisions of Equifax and Experian. You’ll get a copy of your VantageScore 3.0 using each credit bureau’s data.
Meanwhile, the financing and credit building features come from the FairFigure Capital Card, which offers credit lines starting at $1,000 for companies with at least three months in business and $2,500 or more in monthly recurring revenue.
FairFigure reports the card and your monthly subscription to the major business credit bureaus as separate tradelines. You can also apply with your Employer Identification Number (EIN) only, and no personal guarantee is ever required.
3. Credit Suite
Credit Suite offers a step-by-step credit building program called the Fundability System. It’s designed to take you from having no business credit to having everything you need to qualify for business financing in place.
Credit Suite breaks the Fundability System down into five steps:
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Starting point analysis: Credit Suite analyzes your business’s credit history and financial health to help you understand what types of financing you’re currently qualified for and plan a path to improvement.
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Weakness correction: Credit Suite identifies and removes limiting factors that may be holding you back from qualifying for credit accounts. This can include things like establishing your 411 listing or opening a business bank account.
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Credit report opening: Credit Suite helps you open, access, and correct any errors in your business credit reports. It currently partners with Nav to provide its business credit monitoring services.
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Fundability maximization: Credit Suite guides you through a personalized roadmap to help you enhance your business credit profile, enabling you to secure more and better financing.
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Credit issuer matching: Credit Suite matches you with vendors and lenders that are appropriate for your credit profile, helping you build credit history and secure financing without relying on your personal credit or signing a personal guarantee.
Your monthly subscription to the platform grants you access to a dashboard that holds your hand through each of these steps, saving you the time and stress of navigating the complex world of building business credit on your own.
4. Nav
Nav has recently expanded its suite of products and services significantly. It now provides a business checking account, a financial product marketplace, cash flow tracking, credit monitoring, financing, and business credit building.
Its credit monitoring, financing, and business credit building features are all rolled into its Nav Prime subscription, which has three different tiers.
Track, the first tier, provides business and personal credit monitoring services for all of the major credit bureaus, including D&B, Experian, Equifax, and TransUnion. Nav also reports your subscription to the credit bureaus as a vendor account.
Build, the second tier, includes everything in the first tier plus access to the Nav Prime Card, which is a business credit builder card that Nav reports to the business credit bureaus as a financial tradeline.
Nav automatically charges your bank account to pay off your balance each day, but that means you don’t have to worry about your credit utilization.
Expand, the third and highest tier, includes everything in the second tier plus access to the rare FICO SBSS score, which is the credit score lenders who partner with the Small Business Administration (SBA) are required to use to screen candidates.
In addition, Expand includes a dedicated business credit coach who can provide strategic advice and help you improve your company’s creditworthiness.
5. The CEO Creative
The CEO Creative is essentially a digital store with an eclectic mix of products and services, including:
- Electronics
- Branded apparel
- Home and office supplies
- Business plan templates
- Website design and digital marketing
While none of these directly relate to building credit for your business, The CEO Creative also offers net 30 payment terms. If you sign up, it’ll report the vendor credit line to the business credit bureaus.
The CEO Creative is also unusually candid about the qualification requirements, which shouldn’t be an issue even for a new small business owner. They include:
- Be located in the United States
- Exist for at least 30 days
- Have a clean business history with no late payments
You can usually expect to qualify for a credit limit between $1,000 and $1,500, and CEO Creative reports to D&B, Equifax Business, Creditsafe, and the National Association of Credit Management.
However, there is a $39 annual fee and may be a minimum spend requirement to submit your application. In addition, you must pay 20% of each order upfront, and only the remaining balance is payable using net 30 terms.
6. JJ Gold
Similar to The CEO Creative, JJ Gold is a digital store that doubles as a net 30 vendor to help new business owners add another trade credit account to their business credit reports.
As you can probably guess from the name, JJ Gold specializes in jewelry, including bracelets, earrings, and necklaces. However, you can also buy a variety of other products from its shop, such as:
- Hair and beauty products
- Gift sets for him and her
- Candles and decorations
- Eyewear and apparel
JJ Gold’s eligibility requirements are the same as those of The CEO Creative. Your business must be located in the U.S., have existed for at least 30 days, and have a clean business history with no late payments.
There’s a $99 annual fee for the account, and new borrowers must pay 20% of each order upfront, though that requirement may be waived once you become more qualified.
Additionally, there may be a minimum spend requirement to apply, and interest accrues on any past-due payments at a rate of 17.99% APR.
7. Business T-Shirt Club (Branded Apparel Club)
Branded Apparel Club, formerly known as Business T-Shirt Club, offers—you guessed it—branded apparel, including t-shirts. You can purchase a variety of clothing from the store, including blank, customized, and retail apparel.
However, once again, the credit building value of the company lies in its net 30 account. This time, there are no eligibility requirements other than signing up for an annual membership, which costs $69.99 per year.
You’ll receive a net 30 account with an initial credit limit of $2,500, plus access to a free design tool and graphic design services. However, there’s a 50% deposit required for at least your first five orders and a $100 minimum order requirement.
Each of the companies we've explored offers something that can help you build good credit for your business, whether that’s additional tradelines, credit monitoring, or personalized strategic guidance.
However, these are far from your only options. There are many other strong credit building products to consider, such as a business credit builder loan or secured business credit card. Ultimately, the key is finding what works for your business.