Which Business Credit Cards Report to Dun & Bradstreet? 

Dun & Bradstreet (D&B) is arguably the most famous of the business credit bureaus. Not only is it the most well-established, but it’s also the only one to deal exclusively in business credit and is responsible for issuing the widely used DUNS numbers. 

As a result, when building business credit, it’s often wise to select business credit cards that report to Dun Bradstreet. Here are the card issuers that share data with them and some specific account recommendations to consider. 

Which Business Credit Issuers Report to Which Business Credit Bureaus? 

Credit Card Issuer Dun & Bradstreet Equifax Experian SBFE American Express Yes* No No Yes Bank of America No No  No Yes Capital One Yes Yes Yes Yes Chase Yes Yes Yes Yes Citi Yes Yes Yes Yes Discover Yes Yes Yes No U.S. Bank Yes No No Yes Wells Fargo Yes No No Yes *Only negative activity. As you can see, there is significant variation between the business credit bureaus that the major credit card issuers report to. Most of them share data with D&B, but only a few report to the rest of the major bureaus too.

If you’re not familiar with the SBFE (Small Business Financial Exchange), this is a “members only” business credit bureau that only tracks financial accounts that are reported by members.  

This information is only accessible by authorized vendors that include D&B, Equifax, Experian,and LexisNexis Risk Solutions. These companies use the data from the SBFE combined with their own data to create credit reports and credit scores used by lenders when considering small business applications for various types of credit.  

You cannot see your SBFE report, but rest assured it’s being used by almost all major business credit card issuers when evaluating your creditworthiness.    

With that in mind, let’s look at some business credit card options that are likely to be the most effective at building business credit and generating cash-back rewards. 

Which Business Credit Cards Do NOT Report to the Personal Credit Bureaus? 

Choosing a credit card issuer that reports to your desired business credit bureau is essential. You can’t build credit with it otherwise. However, it’s also wise to choose one that won’t report your activities to the personal credit bureaus. 

That helps insulate your personal credit from the financial volatility of being a business owner, which can be significant. Above, you’ll see a list of the major card issuers and their policies on reporting business activities to the personal credit bureaus. 

When selecting a credit card, focus on those that report to your target business credit bureau but won’t show up on your personal credit report. For example, U.S. Bank lets you build business credit with D&B without risking your personal credit score. 

Business Credit Cards that Report to the Personal Credit Bureaus 

Capital One 

Capital One is one of the few business credit card issuers that reports to all three major business credit bureaus and the Small Business Financial Exchange (SBFE).  

If you’re going to be using credit cards to build business credit, you should strongly consider getting one of theirs. 

Fortunately, Capital One has many different business credit cards for you to choose from. Most of them require an excellent personal credit score, which Capital One defines as meeting the following requirements: 

• No loan defaults or declarations of bankruptcy 

• Not be 60 days late on a credit card, medical bill, or loan in the last year 

• Have a loan or credit card for three years with a credit limit above $5,000 

Meeting these requirements doesn’t guarantee you can qualify for their business credit cards, but you should have a reasonable chance of obtaining an account. 

If you have an excellent credit score, consider their Spark 1.5% Cash Select. It offers 1.5% cash back on all purchases without restriction, plus 5% cash back on hotels and rental cars booked through Capital One Travel. 

In addition, you can earn a one-time $500 cash bonus after spending $4,500 within the first three months after opening your account. To top it off, there’s no annual fee. 

If you’re less confident in your personal credit history, try the Spark 1% Classic. It offers 1% cash back and 5% on hotels and rental cars booked through Capital One with no annual fee. 

However, it only requires fair credit, which Capital One defines as having defaulted on a loan in the past five years or having a limited credit history of less than three years. 

Chase 

Chase is another credit card issuer that reports to Dun & Bradstreet, Experian, Equifax, and the SBFE. Since it also has one of the best selections of business credit card accounts on the market, it’s a top-tier option for building business credit. 

Once again, you’ll need good to excellent personal credit to qualify for most of its accounts. It doesn’t specify what that means, but if your credit score is at least in the mid-700s, you should have a reasonable chance of securing an account. 

In that case, the Ink Business Cash Credit Card is one of your best options. It offers 5% cash back on the first $25,000 you spend each year on certain business expenses, including office supply stores, internet, cable, and phone services. 

In addition, you can get 2% cash back on the first $25,000 you spend at gas stations and restaurants each year. All other purchases are subject to unlimited 1% cash back. 

The introductory offer is also attractive. If you spend $6,000 on purchases in the first three months after opening your account, you can earn a $750 cash bonus. 

In addition, your purchases won’t accrue interest for your first 12 months with the card, which makes it an excellent option for businesses that may struggle to pay off their balances in full for the first few months. There’s also no annual fee. 

Just make sure not to let yourself carry a balance after the 0% introductory period ends because your interest rate will jump back up to the typical credit card level at that point, which is expensive. 

Citi 

Citi is the last credit card issuer on this list that reports to D&B, the rest of the major credit bureaus, and the SBFE. Unfortunately, it has a much less diverse selection of business credit cards.  

In fact, only two accounts are currently available, and one of them is the Costco Anywhere Visa, designed exclusively for Costco members. It offers the following cash-back reward rates for no annual fee other than your Costco membership: 

• 4% on the first $7,000 you spend on gas and 1% afterward 

• 3% on restaurant and travel purchases 

• 2% on other purchases from Costco and Costco.com 

• 1% on all other purchases 

Since that’s a relatively niche use case, the most widely rewarding account is likely the CitiBusiness/AAdvantage Platinum Select Mastercard, especially if you have to travel frequently for your business. 

This account offers 65,000 American Airlines AAdvantage bonus miles after you spend $4,000 within the first four months of your account opening. You’ll also earn two AAdvantage miles for every dollar you spend in business categories, such as: 

• Telecommunications merchants 

• Cable and satellite providers 

• Car rental merchants and gas stations 

You’ll also receive two miles for every dollar you spend on American Airlines purchases, plus one mile per dollar spent on all other purchases. There’s a $99 annual fee, but it’s waived for the first 12 months. 

Discover 

Discover doesn’t report to the SBFE, but it shares your business credit history data with all three major business credit bureaus, including D&B. After Capital One, Chase, and Citi, its accounts are the most effective at building business credit. 

Unfortunately, Discover business credit cards are no longer available to new applicants in 2023. However, the credit card issuer used to offer them and may choose to do so again one day. 

Just for reference, their previous flagship business credit card was called the Discover it Business Card. It provided 1.5% cash back on all purchases, plus an automatic match for the rewards you earn in the first 12 billing periods. 

That effectively gave account holders 3% cash back on all their purchases in the first year. In addition, it had a 12-month introductory period during which you wouldn’t accrue interest on any of your purchases. 

As a result, it was an attractive option for a small business owner with high startup costs, especially since it had no category restrictions. If you’re interested in a similar card, it’s worth checking every so often to see if Discover has opened them up again. 

U.S. Bank 

U.S. Bank doesn’t report to Equifax or Experian, so it can’t compete with Capital One, Chase, or Citi for building business credit. However, it does report to D&B and the SBFE, so it’s still worth considering, especially if you like its account rewards. 

Currently, U.S. Bank has three credit cards vying for the top spot. Each of them has something valuable to offer, and which one you prefer will depend primarily on your spending categories and your preference for points or cash back. 

First, there’s the Business Leverage Visa Signature Card, which offers $750 in cash after you spend $7,500 in purchases within the first 120 days of opening your account. It also provides 2% back in your top two spending categories. 

Second, there’s the Triple Cash Rewards Visa Business Card. It only offers a $500 bonus upon signing up, but you only need to spend $4,500 within 150 days to secure it. 

In addition, it offers 3% back on purchases at gas stations, office supply stores, cell phone service providers, and restaurants, plus a $100 annual statement credit for software service purchases like Quickbooks. 

Finally, there’s the Business Altitude Connect World Elite Mastercard.  

Instead of a cash-back bonus, it offers 60,000 bonus points after you spend $6,000 with the card in the first 180 days after opening your account. It also provides the following point rewards: 

• 5x points on hotels and car rentals through the U.S. Bank reward center 

• 4x points on up to $150,000 or airfare, hotels, and gas purchases 

• 2x points on dining, takeout, restaurant delivery, and cell phone services 

• 1x points for all other purchases 

The Triple Cash card has no annual fee, while Leverage and Altitude cost $95 per year. However, they both waive the fee for the first 12 months. 

Wells Fargo 

Like U.S. Bank, Wells Fargo reports to D&B and the SBFE but not Equifax or Experian. As a result, its business credit cards probably shouldn’t be your first choice, but they can still be viable if the other options aren’t a good fit for whatever reason. 

Unfortunately, like Discover, Wells Fargo isn’t offering business credit cards to new applicants in 2023. However, it’s previously provided several small business credit card accounts and its website promises that new card offers will be available in the coming months. 

To give you an idea of what you can expect from the card issuer, its catalog previously included the Wells Fargo Business Platinum Credit Card, which had the following benefits: 

• 0% interest on all purchases for the first nine months 

• $300 cash back or 30,000 points for spending $3,000 in the first three months 

• 1.5% cash back on purchases or 1 point per dollar plus a 1,000-point bonus each time you spend at least $1,000 in a month 

If you’re interested in a card like this, check back in with Wells Fargo regularly over the next few months to see if an offer is available. 

How Does Dun & Bradstreet Calculate Your Credit Score? 

Dun & Bradstreet is, first and foremost, a business credit bureau, which means its core function is to consolidate information about your credit history into a comprehensive business credit report. 

When you apply for a tradeline that requires a business credit check, business lenders pull your credit report and run its data through their preferred credit scoring algorithm. That calculates your credit score and informs their decision to offer you a credit account. 

While consumer credit bureaus only ever operate in this capacity, business credit bureaus are also responsible for issuing credit scoring algorithms.  

In fact, D&B has several credit rating variations, including the D&B Failure Score, the D&B Delinquency Predictor Score (DPS), and the D&B Supplier Evaluation Risk (SER) Rating. 

However, its most popular scoring product is its PAYDEX Score, which works a lot like a FICO rating. It reflects a business’s payment performance over the last two years and ranges from 1 to 100. Paying on time or early is the only way to increase it. 

eCredable Also Reports to Duns & Bradstreet 

Business credit cards that report to Dun & Bradstreet are great tools for establishing a credit history with the credit reporting agency, but they’re not the only ones. eCredable also shares data with D&B, and our program is available to everyone. 

If you have ongoing business expenses, such as an office lease or a mobile phone subscription, the eCredable Business Lift program can transform them into tradelines and help you build business credit. 

For $9.95 per month, we can report your ongoing expense payments to Equifax Business and Creditsafe. If you have a substantial payment history, we can also report up to 24 months of previous payments to jumpstart your business credit overnight. 

To top it off, we’ll also report your monthly eCredable subscription payments to all four business credit bureaus: D&B, Experian Business, Equifax Business, and Creditsafe. Give it a try today and start building business credit with the expenses you already pay! 

Tips for Building Business Credit 

Opening a business credit card is an important step toward improving your business credit scores. It qualifies as a financial tradeline, which is generally better for building credit than a vendor credit tradeline, such as a net 60 account with a supplier. 

However, building business credit is a long-term project, and a single business credit card probably won’t be enough to get you where you want to be. Here are some other tips to help you improve your business credit rating: 

• Separate your personal and business identity: This helps establish your business’s credit profile and reduces the need for a personal guarantee when applying for credit. Take steps like requesting an Employer Identification Number (EIN), opening a business bank account, and establishing a separate legal entity.

• Open a diverse set of vendor and financial tradelines: You must have multiple business credit accounts in good standing. Start with trade credit from various vendors and work up to financial tradelines.

• Make timely payments and keep revolving balances low: Having credit accounts is only the first step to good business credit, as you must also use them responsibly. That means managing your cash flow well enough to make monthly payments on time and keep your credit utilization below 30% of your credit limit.

Generally, you can expect it to take up to a few years to build a good business credit score. Start opening tradelines and establishing your credit history as soon as possible so it’s ready when you need business financing. 

Learn More About How Business Credit Cards Affect Business Credit: 

- Which Business Credit Cards Do Not Report Personal Credit?

- Do Business Credit Cards Affect Personal Credit? 

- What Is a Business Credit Builder Card?

- Does Bank of America Business Card Report to Personal Credit? 

- Does PNC Business Credit Card Report to Personal Credit? 

- Does US Bank Business Card Report to Personal Credit?  

Does US Bank Business Card Report to Personal Credit? 

US Bank is one of the few business credit card issuers that doesn’t report to the personal credit bureaus under any circumstances. Neither positive nor negative activities from its business accounts should appear in your personal credit report. 

In other words, making late payments or defaulting on a US Bank business card won’t damage your personal credit score, making it an attractive option for small business owners who want to build business credit while minimizing their risks. 

For example, if there’s a chance you might make late business credit card payments due to inconsistent cash flows, using a US Bank business card could be an effective way to limit the potential damage. 

Fortunately, US Bank does report its business cards to Dun & Bradstreet (D&B)—arguably the most popular major business credit bureau—and the Small Business Financial Exchange (SBFE). 

As a result, it can be an effective tool for improving your D&B credit report and business credit score while preserving your personal credit.  

However, you may need other credit cards to build business credit with Equifax Business and Experian Business, the other two major business credit bureaus. 

Which Other Cards Report to the Personal Credit Bureaus? 

Every business credit card issuer has its own credit reporting policies, but most choose not to share positive activity with any personal credit bureau. Currently, Discover and Capital One are the only notable exceptions. 

Discover isn’t issuing business accounts as of the time of writing, but you can learn about Capital One’s reporting practices in our article, Does the Capital One Business Credit Card Report to Personal Credit? 

Meanwhile, many more issuers report negative business card activity—like missed monthly payments, high credit utilization, and defaults—to the personal credit bureaus.  

Doing so is another way of encouraging cardholders to use their cards responsibly and repay their debts, so it has a more tangible benefit for them. 

For example, some companies that report negative activity to the consumer credit bureaus but not positive activity include American Express (Amex) and Chase.  

If you're trying to find the best credit card for your circumstances, learn more about them in our articles on each credit card issuer: 

• Does the Amex Business Credit Card Report to Personal Credit? 

• Does the Chase Business Credit Card Report to Personal Credit? 

If you’re interested in the personal and business credit reporting policies of other major credit card account issuers, visit our article for a summary: Which Business Credit Cards Do Not Report to Personal Credit? 

Use eCredable to Build Business Credit 

Business credit cards are one of the best ways to build business credit. If you have a good personal credit history, you can often qualify for one as a new small business owner by signing a personal guarantee. 

However, your creditor can then pursue your personal assets if your business defaults. That puts your personal finances at risk as well your personal credit scores if the negative business credit card activity can reach your personal credit reports. 

eCredable can help you build credit without taking on these risks. You can also sign up without a good personal credit score since no personal guarantee or credit check is required. 

After account opening, our Business Lift program lets you report your ongoing payments and up to two years of payment history for an unlimited number of eligible recurring expenses, transforming them into vendor tradelines. 

Sign up for eCredable today and take the shortcut to a better business credit score. 

Learn More About Business Credit Cards:

-Does Bank of America Business Card Report to Personal Credit? 

-Does PNC Business Credit Card Report to Personal Credit? 

Does PNC Business Credit Card Report to Personal Credit? 

PNC Bank doesn’t report its business credit cards to any personal credit bureau. The policy applies to both positive and negative business credit card activity.  

That means you shouldn’t see a PNC business credit card appear in your Experian, Equifax, or TransUnion personal credit reports under any circumstances, even if you make late payments or default on an account. 

That can make PNC’s credit lines more attractive than certain alternatives if you want to prioritize protecting your personal credit score from your business debts. 

For example, say you’re trying to scale your startup and need to lean heavily on business credit cards to finance significant purchases.  

It might be wise to protect yourself by using a PNC card that won’t report your credit utilization or any missed payments to a personal bureau. 

Fortunately, PNC does report to each major business credit bureau, which includes Dun & Bradstreet (D&B), Experian Business, and Equifax Business. 

As a result, PNC offers some of the best business credit cards for building business credit. You can use them to establish tradelines that contribute to all of the most popular business credit scores without any risk to your personal credit history. 

Which Other Cards Report to the Personal Credit Bureaus? 

Discover and Capital One are the most notable small business credit card issuers that report positive activity to the consumer credit bureaus. In other words, their accounts can appear in your personal credit report even if you use them responsibly. 

However, of the two, only Capital One offers business card accounts as of the time of writing.  

You can read more about the financial institution’s requirements and reporting policies in our other article, Does the Capital One Business Credit Card Report to Personal Credit? 

Many more credit card companies report negative activities to the personal credit bureaus, typically to encourage responsible use.  

For example, as we explored in our article, Which Business Credit Cards Do Not Report to Personal Credit?, that includes issuers like Chase and American Express (Amex). 

That said, personal credit reporting policies are only one factor when determining the best credit card to use. You should also take into account card details like business reporting policies, credit limit practices, and minimum credit score requirements. 

If you’re interested in Chase or Amex cards, you can learn more about these additional considerations in our articles on each credit card issuer:  

• Does the Amex Business Credit Card Report to Personal Credit?  

• Does the Chase Business Credit Card Report to Personal Credit? 

Use eCredable to Build Business Credit  

Business credit cards are one of the best ways to build a better business credit score, but they often require you to take on significant risk to your personal credit and finances, especially if you’re a relatively new business owner. 

eCredable is an excellent way to avoid the issues often associated with business credit cards. Not only is there no personal guarantee required, but there’s also no credit check, so your personal credit score is always protected. 

After account opening, our Business Lift program lets you report an unlimited number of recurring payments, like rent and utility bills, to the business credit bureaus. 

That includes up to two years of payment history, allowing you to establish multiple robust vendor tradelines without taking on any additional expenses other than our $19.95 monthly subscription—which we also report! 

Sign up for eCredable today and take the shortcut to better business credit. 

Learn More About Business Credit Cards: 

- Does US Bank Business Card Report to Personal Credit?

- Does Bank of America Business Card Report to Personal Credit? 

Does Bank of America Business Card Report to Personal Credit? 

Bank of America is one of several major credit card issuers that won’t report your business card activity to any personal credit bureau. 

That policy applies to both positive and negative account activity. In other words, you won’t see a Bank of America business credit card account in any personal credit report, however you use it—even if you default and it goes to collections. 

That can make Bank of America an attractive option if you’re worried about your business credit cards potentially damaging your personal credit score. 

For example, say you’re a new small business owner with inconsistent cash flow that increases your risk of missing monthly payments. In that case, a Bank of America business card could provide peace of mind. 

However, Bank of America doesn’t report to the major business credit bureaus either, which include Dun & Bradstreet (D&B), Equifax Business, and Experian Business. It only reports to the Small Business Financial Exchange (SBFE). 

As a result, Bank of America’s business credit cards may not pose a risk to your personal or business credit, but they aren’t the best for establishing a positive payment history either. 

Which Other Cards Report to the Personal Credit Bureaus? 

Most major credit card issuers choose not to report positive business card activity to any consumer credit bureau.  

As of the time of writing, Discover and Capital One are the only exceptions, which means they can appear in your personal credit reports even if you use their accounts responsibly. 

Discover doesn’t currently offer any business credit cards, but you can read more about Capital One’s offerings and policies in our article Does the Capital One Business Credit Card Report to Personal Credit? 

Meanwhile, major issuers are split on whether or not they report negative small business credit card activity—such as late payments—to any personal bureau.  

To protect your personal credit, you may want to stay away from those that do, such as American Express and Chase. 

That said, these companies’ business reporting policies can complicate the decision.  

To make an informed choice, review our articles on each credit card issuer:  

• Does the Amex Business Credit Card Report to Personal Credit?  

• Does the Chase Business Credit Card Report to Personal Credit? 

For a summary of the personal and business credit bureau reporting policies of all the popular credit card companies, visit our article, Which Business Credit Cards Do Not Report to Personal Credit? 

Use eCredable to Build Business Credit 

Business credit cards are one of the most effective tools for building a good business credit score, but qualifying for them can be challenging, and late payments may pose a significant threat to your personal credit and finances. 

eCredable’s Business Lift program makes for an excellent alternative. There’s no personal guarantee or credit check, and you can use it to report certain recurring expenses to the business credit bureaus as vendor tradelines. 

In addition, eCredable lets you report up to two years of historical payments for each expense, helping to quickly establish a deep, positive payment history—all without risking your personal credit or increasing your financial burden. 

Sign up for eCredable today to streamline your business credit building. 

Learn More About Business Credit Cards: 

- Does PNC Business Credit Card Report to Personal Credit? 

- Does US Bank Business Card Report to Personal Credit? 

How to Get a $50k No Doc Business Loan

Financing your small business quickly is your primary focus as a business owner.  

The difficulty lies in finding financing opportunities that require minimal effort or waiting on your part.  

One option is a 50k no doc business loan.  

Below, we’ll look at no-doc business loans, eligibility requirements, and alternatives to help you better understand your financing options.  

Is It Hard to Qualify for a $50K No Doc Business Loan? 

A $50k no doc business loan simplifies the financing process by requiring little paperwork on your end.  

But is it as easy to qualify for as it is to apply to? The answer is that it depends.  

Generally, no doc financing options are easier to qualify for because they’re designed for those who are unable to tap into traditional loan opportunities.  

No doc options allow you to get funding fast. They just come with the tradeoff of higher interest rates and shorter repayment periods.  

That being said, $50,000 is a sizable chunk of money. No doc or low doc options offering this amount will likely need you to meet certain eligibility requirements to qualify.  

In many cases, you won’t need documentation. The experience won’t be like applying for an SBA loan. But your small business will need to meet criteria like: 

• Minimum time in business 
• Annual revenue or gross monthly sales requirements 
• Minimum credit scores (bad credit options may be available) 

The key to finding the right options is to compare $50k no doc business loans and low doc business loans to see what the varying eligibility requirements are.  

Then, apply to the options you’re most likely to qualify for (with the best loan terms). As a borrower, you may need to temper your expectations at first. We’ll provide more insights on how to qualify more easily in the sections below. 

What Are the Credit Score Requirements for a $50K No Doc Business Loan? 

Credit score requirements will vary depending on the lender.  

Some lenders will require no minimum personal credit score. However, it’s rare not to require a credit check. You may end up having to deal with higher interest rates as well as higher annual revenue minimums. You’ll be funded, but your bad credit will cost you. 

On the lower end, you can expect a minimum personal credit score of 520 and above. This should be more achievable for many with bad credit. Again, however, these terms are relatively scarce and will cost you.  

To be on the safe side, aim for, at a minimum, 600 (680 is better for credit approval) and above. 600 is considered fair and will generally be enough to qualify for most no doc business loans.  

It’s also worth noting that some lenders may check business credit scores too. These aren’t typically listed in the credit score requirements list. You should be able to find these terms directly on the lender’s website.  

You can reach out to them if you need further clarification. Ask before applying if you're unsure. It will save your small business even more time when trying to secure financing. 

How to Get a $50K Business Loan 

Getting a $50k no doc business loan will require you to do the following. 

• Establish a List of Lender Options: The difference between applying for a regular loan and a $50k no doc business loan is that the latter is much easier to apply for. You don’t need to worry about getting together documentation and all of the other typical steps. Now, you can start the process off by creating a list of lender options instead of doing the traditional prep work associated with securing a loan.  
• Narrow Down Your Options Based on Eligibility: With a list of options in hand, narrow down your choices based on eligibility. If you know your personal credit score isn’t high enough or your recurring monthly revenue won’t meet certain earnings thresholds, you can begin eliminating lenders on your list.  
• Take a Look at Whether No Doc Options Are Truly That: As with EIN-only business credit cards and other financial solutions, “no doc business loans” may not always be what they’re advertised to be. Some are low doc small business loans. It’s important to see exactly how much documentation you’ll need to worry about. A no doc and low doc business loan are fairly close in terms of ease of application. That being said, you don’t want to be caught by surprise.  
• Apply With Your Top Options First: Once you’ve taken care of the above, all you have to do is apply for funding! Start with the top option and then work your way down from there.  

Keep in mind too that you may not qualify for most options right away. Borrower requirements can be strict. When this happens, what should you do?  

How to Build Business Credit to Qualify for a $200K Business Loan 

Are you struggling to find anything from a $10k business loan to a $100k business loan?  

Discovering that you’re ineligible for most small business funding options can be frustrating. 

One key factor that may prevent you from securing any loan amount is your business credit.  

If you want to build business credit that’s capable of securing you a no doc $50k no doc business loan or something higher like a $200k business loan, there are solutions.  

eCredable can help you build your business credit score and credit history with multiple tradelines. 

The eCredable Business Lift and Business Lift+ subscriptions report each subscription payment to several business credit bureaus to help you build business credit fast. These include D&B, Experian Business, and Equifax Business.  

We also help you maximize your efforts by reporting third-party bills. Whether you pay rent for an office space or have a dedicated customer support number, you could be building business credit with it.  

We report third-party bills to: Equifax Business.  

Both subscriptions offer the same reporting benefits. However, the Business Lift+ subscription allows you to link your accounting package for greater financial insights and monitoring. This can be helpful for the average small business owner. 

If you want to boost your business credit to maximize your business financing choices, sign up for eCredable to start building business credit fast! 

How to Find the Best $200K Business Loan Offer 

Always start your loan research by finding reliable and updated sources. There are a host of guides out there that can point you in the direction of the best $200k business loans. They just have to be recent and relevant to your small business. 

You will also need to check the websites of the associated lender. Some lenders may change offers or information can be incorrect in various guides. Nothing’s worse as a borrower than researching extensively and finding that most options are gone or incorrect. 

Then, compile your options into one seamless resource. A spreadsheet is an excellent way to not only see all of your options at a glance but to visually compile important eligibility requirements as well.  

After that, all that you need to do is apply. Applying will help you see who will be willing to extend your small business funding. If you get rejected, you may gain clearer insights into why.  

Both of these are helpful. If you don’t get funding, you’ll know exactly what you need to do in order to make your business more appealing to lenders.  

There are plenty of services to take advantage of too. Don’t be afraid to leverage professional support to compare and apply for business loans. When you need cash fast, professional resources can save you time and money. 

Types of $50K Business Loans to Choose From 

When you’re looking for a $50k no doc business loan, you have options. But it’s crucial to remember these are not the same options as your average business loans. You’ll typically be working outside of what a traditional lender might offer. 

If you need $50k quickly and without documentation (or very little), consider: 

• Short-Term Business Loans: Short-term unsecured business loan options generally require little documentation and are easily accessible. Just keep in mind that these have less desirable terms. High interest rates and shorter payback periods are common with no doc loan options. This especially includes a business term loan with a shorter payback period. 
• Invoice Financing: Invoice financing is a type of financing whereby you use unpaid customer invoices as collateral to receive funding. This can be limiting if you don’t have $50k in unpaid invoices sitting around. However, you can easily work up to that point over time if you need to boost your cash flow. Invoice factoring is another option that’s similar to invoice financing. This is where you sell your invoices to another company that will collect those debts. This type of small business loan comes with its downsides, but it will help you boost your cash flow too. 
• Business Line of Credit: A business line of credit is one of the better options on this list. There are ample financing options out there that will offer $50k or more with no documentation or limited documentation. The eligibility requirements may be stricter for a business line of credit. Keep this in mind when applying for this type of small business loan. 

Alternatives to Business Loans 

Business loans aren’t your only options for funding your small business. There are other alternatives that may come with no doc or low doc benefits. Here are a few.  

Business Credit Cards 

Business credit cards offer revolving credit that you can continue tapping into. More than that, it’s possible to get credit limits of up to $100,000. This will offer plenty of credit to help you fund your business.  

Unlike a startup business loan, you have access to that amount for longer stretches too. 

If your card issuer reports to the major business credit bureaus, this also helps you build credit so you can access better and more financing options.  

With the above in mind, finding no doc options can be more challenging. Some solutions like corporate charge cards may have less documentation than typically required. They may also offer many of the same benefits as a traditional business card.  

Research business credit card issuers carefully. You may have to go with full doc options if those are the only ones you can acquire at this point in time.  

Equipment Financing and Merchant Cash Advances 

Equipment financing and merchant cash advances are other alternative financing options. If you need a small business loan, you should consider these as well. 

Equipment financing is a form of financing where you get the funding you need to purchase specific equipment for your small business. Equipment loans are easier to acquire since the collateral is your equipment. 

If you need small business funding primarily for equipment, this is one form of financing that may be best suited for your needs.  

Another financing option is merchant cash advances. Merchant cash advances extend your funds in return for a chunk of your credit card or debit card sales.  

Merchant cash advances are notorious for high interest rates and strict repayment schedules. We’re not talking about a high monthly payment, but daily repayment in some cases. 

Keep this in mind before committing to a merchant cash advance. It will boost cash flow, but there are major downsides that make it a last-resort financing choice. 

Finding a $50k no doc business loan is difficult, but not impossible. If you’re looking to fund your business without the hassle of jumping through hoops, use the insights and direction offered in the guide above to access the type of funding that you need.  

If you need to build business credit or personal credit to expand your options and qualify more easily, get started now with eCredable.  

Tier 3 Business Credit Vendors in 2025

Business credit building requires opening a mix of vendor and financial tradelines, then establishing a positive payment history across them. Vendor tradelines are generally easier to acquire, so small business owners often start with them.

Tier 3 business credit vendors offer accounts that are harder to access than lower-tier trade credit but provide better terms. Here are the best options to consider.

Keep in mind that you shouldn’t apply for these until you already have at least six accounts appearing on your business credit reports. Check out our article on tier 1 business credit vendors and tier 2 business credit vendors if your business credit isn’t ready for this. 

1. eCredable

With eCredable Business Lift, you can turn your company's recurring costs into vendor tradelines. Our program connects with more than 2,000 service providers and lets you add unlimited accounts to your business credit report for the following expenses:

• ♦ Cable and satellite TV

• ♦ Mobile and landline phones

• ♦ Utilities like power, water, gas, and internet

Not only can it report the payments you incur after signing up, but it can also share up to two years of payment history. As a result, it can boost your business credit score in as little as a week, which is much more quickly than net 30 vendor tradelines. 

In addition, you don't have to meet the rigorous requirements most tier 3 business credit vendors expect. Whatever your time in business, legal structure, or business credit history, you can sign up for eCredable and build business credit.

Upon your account opening, we'll report your past and present bill payments to Ansonia, Creditsafe, and Equifax Business. To top it off, we’ll also share your eCredable subscription with Dun & Bradstreet, Experian Business, and the other three previously mentioned credit bureaus.

Sign up and start building business credit today!

2. Gemplers

Gemplers caters to businesses that specialize in working outdoors. It sells various products for farming, landscaping, and grounds maintenance, including tools, clothing, safety equipment, and pest control supplies.

To qualify for their net 30 account, Gemplers requires you to have an EIN, business address, a total purchase of at least $2500 or 4 or more orders in one year, and a DUNS number.

To apply, you will need to contact them directly by calling their phone number.

If the company approves you for their net 30 terms, they will report your tradeline to Dun & Bradstreet.

Vendor Link: Gemplers Home Page

3. Platt Electric Supply

Platt Electric Supply sells electrical and industrial products for residential and commercial use. For example, that includes light bulbs, tools and fittings, electrical wiring, and security systems.

Well-established businesses can apply to purchase Platt’s products with a line of credit. To qualify, you should have multiple lower-tier vendor credit accounts with positive payment histories.

In addition, you should be profitable enough to convince Platt’s underwriters that you’ll pay back your invoices. The credit application will ask for your monthly estimated income and anticipated purchases.

If Platt approves your request for a line of credit, the company will report your tradeline and activities to Dun & Bradstreet and Experian Business.

Vendor Link: Platt Line of Credit Application

4sum. Amazon

Amazon is the world’s largest digital retailer and sells just about any product you might need as a small business owner. Interestingly, it has a similarly diverse set of business credit options.

Here are all of the options you can apply for:

• Business Prime: This subscription offers a variety of benefits, including free business delivery and analytics tools. There are five tiers, with each giving you 5% back or 90-day payment terms, and some also extend your “Pay By Invoice” terms.

• Pay By Invoice: This gives you access to a net 30 payment term. If you pay for a Small or Medium Business Prime membership, that increases to 45 days. At the Enterprise tier, it goes up to 60 days. Small, Medium, and Enterprise memberships cost $499, $1,299, and $10,099 per year, respectively.

• Business Line of Credit: Businesses can access a variety of traditional credit arrangements through Amazon Lending. That includes a business loan, interest-only loan, revolving line of credit, and merchant cash advance.

• Business Credit Card: The Amazon Business American Express Card has no annual fee. The default option provides 3% back on the first $120,000 in purchases or 60-day terms on eligible purchases at Amazon and Whole Foods. If you combine it with a Prime membership, that increases to 5% or 90-day terms. In addition, you get rewards, including 2% back on restaurants, gas stations, and phone services.

The qualification requirements for each type of credit line vary. However, they all require a well-established business credit profile, and the ones with the most benefits are even more rigorous.

Also Read: How To Build Business Credit Without Using Personal Credit

Amazon reports all of its tradelines to Dun & Bradstreet. In addition, it may share your Amex Business Credit Card information with the Small Business Financial Exchange.

Vendor Links: Amazon Business Prime, Amazon Business Pay by Invoice, Amazon Lending, Amazon Business American Express Card

Get Trade References from Existing Vendors

Trade references are reports containing the credit history between you and one of your vendors. That typically includes the details of your credit arrangement, such as the credit limit and repayment terms, plus your payment history.

Lenders and higher-tier vendors may ask for trade references when you apply for a tradeline with them. Having positive ones to share can increase your chances of qualifying for funding or help you negotiate better terms.

Contact your vendor to get copies of these reports. They should be able to pull them quickly, especially if they’re already reporting the data to one or more business credit bureaus. Double-check that it’s accurate before sharing it with prospective creditors.

Also Read: 

• Shelf Corporations: The Purpose and Risks
• 4 Net 60 Vendors to Improve Cash Flow
• Business Tradelines: Everything You Need to Know