Grainger Net 30 Review 

A Grainger net 30 account allows business owners to quickly build business credit when buying industrial, maintenance, and office supplies.  

With access to over 1.5 million products, simple registration, and no credit minimum, a net 30 account can put you on your way to raising your business credit score while also increasing cash flow.   

Our Grainger Net 30 Review 

Although Grainger isn’t overly transparent about their net 30 payment requirements or credit bureau reporting practices, their massive office supplies inventory base and flexible terms make them one of our top net 30 account picks.  

Plus, like Creative Analytics, Grainger is new business-friendly, and you only need to have been open for three months to qualify.  

Top Grainger Net 30 Key Selling Points 

• Over 1.5 Million Products 

• No Vendor Credit Minimum and a $1,000 Credit Limit 

• Reports to Dun & Bradstreet 

Over 1.5 Million Products 

When it comes to inventory supply volume, Grainger is one of today’s most impressive vendors.  

They currently offer net 30 days financing on 1.5 million+ products, primarily focusing on industrial, maintenance, and office supplies.  

Here are some specific product supply categories: 

• Packaging, sale, and shipping office supplies 

• Safety and security 

• Material handling office supplies  

• Cleaning office supplies 

• Janitorial office supplies 

• Tapes, adhesives, and lubricants 

• HVAC 

• Lab and hospitality 

Grainger even carries auto parts, plumbing equipment, and metalworking products.  

Just like Creative Analytics is a one-stop shop for digital marketing and Wise Business Plan for business planning, Grainger is a one-stop supply shop.  

And getting net 30 payment terms lets you build business credit by purchasing office supplies and countless other products from a single vendor.  

With Grainger’s extensive product catalog, small business owners can find almost everything they need while having a trade credit with net 30 terms to build business credit.  

If you’re looking for longer invoice payment terms than 30 days, here’s a list of net 60 vendors and a list of net 90 vendors.  

No Vendor Credit Minimum and a $1,000 Credit Limit  

Another great feature of this net 30 vendor is the flexibility of their account payment terms on office supplies and other products.  

Grainger doesn’t officially have a minimum purchase amount on an invoice to qualify for a net 30 payment account. However, they prefer that you spend at least $50 for them to report your payment history to a business credit bureau.  

As for the credit limit, the default limit on a net 30 account is currently $1,000. But a business owner may be able to increase their credit term limit to $5,000 by contacting Grainger’s customer service at 1-800-Grainger. 

This net 30 account flexibility is something that should be appealing to many small business owners.  

If you want a small credit minimum to open a business tradeline within 30 days before invoice repayment is required (just like many personal credit and business credit cards), you can get it.  

And if you want to boost your cash flow with a $1,000 credit limit that can potentially be increased to $5,000, you can do that as well, as long as you don’t have any payment issues like late payments.  

Reports to Dun & Bradstreet 

In terms of the specific credit bureau Grainger reports to, it’s currently just Dun & Bradstreet.  

While they don’t report to Experian business or Equifax business like some other vendors, D&B is one of the top three business credit bureaus for payment history reporting. 

And as SCORE.org says, “Of the big three, D&B is the only credit bureau that focuses exclusively on business credit. They report primarily on how a business interacts with vendors and other suppliers, which is why potential suppliers often look at your D&B reports before they offer you business trade credit.” 

The bottom line is that reporting a positive payment history to D&B can have a significant impact on raising your business credit score.  

Note that by using eCredable, you can also have your Grainger payments reported to Equifax and Creditsafe in addition to D&B at no extra charge.  

Just like boosting your personal credit score can help you become eligible for personal credit cards with favorable terms, raising your business credit score can unlock better business credit card options, along with other financing opportunities. 

That’s a big reason why we rank Grainger as one of the top net 30-term vendors for building your credit history.   

How to Qualify for a Grainger Net 30 Account 

There are two main requirements needed to open one of these net 30 accounts.  

You need to have been in business for at least three months.  

And like Creative Analytics, you need a Dun & Bradstreet DUNS number (you can get one here).  

As we mentioned before, Grainger technically doesn’t have a credit minimum to qualify for a net 30 account. However, they prefer that you spend at least $50 on office supplies or other products before applying.  

Also, note that if your business doesn’t have an established credit history, Grainger will require additional information, such as a gross profit income statement, accounts payable, and balance sheets.  

You can register with Grainger here.  

We also wrote reviews of other net 30 accounts, including: Walmart Net 30 Accounts, Wayfair Net 30 Review, Wise Business Plans Net 30. 

Streamline Business Credit Building with eCredable 

While financing expenses to increase cash flow is important, the main reason why most small business owners want net 30 terms with vendors is to raise their business credit score.  

After all, this, along with using business credit cards responsibly, are two of the best ways to build your business payment credit history.  

Often, this involves getting tradelines with 5-10 vendors just to gain some initial momentum. 

If you’re in this camp, one way you can streamline your business credit building is by using eCredable, which turns your bills into business credit tradelines.  

For a low price, eCredable reports the bills you already have, enabling you to get multiple trade credit lines from different vendors for the price of just one subscription.  

Besides that, eCredable offers past tradeline reporting, where up to 24 months of your past bills are automatically reported, which means a huge immediate bump to your business credit.   

To quantify, business owners see, on average, a 32-point increase after three months.  

As you might imagine, this can go a long way in becoming eligible for a business credit card and other financing opportunities, as well as getting favorable credit card terms.  

So if you’re looking to quickly improve your business credit score by leveraging your existing bills, eCredable can help you do it. Learn more here.