Best Business Credit Builder Programs

The best business credit builder program supports your small business as you navigate business credit, connects you with the right opportunities, and makes it easier for you to build business credit fast.

We’ve compiled a list of the five best business credit builder programs that will enable you to build your business credit and finance your business effectively.

1. FairFigure

FairFigure is a business credit platform that supports your business credit journey through two key services.

The first of these services is their business credit monitoring. FairFigure’s business credit monitoring services make it easier to understand and stay on top of your business credit scores and reports via one easy-to-use dashboard.

This service comes with features like their fast business credit corrector, darknet scanner, and AI podcasts to help you understand your financial health and next steps to improve your business credit.

Every monthly subscription payment serves to help you build your business credit. They report your subscription payment as a tradeline to Dun & Bradstreet, Experian, the SBFE, CreditSafe, Equifax, and FairFigure’s Foundation Report.

The second service that helps you build your business credit is the FairFigure Capital Card.

You automatically have access to the FairFigure Capital Card when you sign up for business credit monitoring services. All you need to do to get it is qualify.

Your small business must generate at least $2,500 in monthly revenue and have been in business for at least three months. You don’t need good business credit, which ensures you can start funding your business immediately.

If you do qualify, you can get revenue-based financing with flexible four to eight-week payback terms.

This is an EIN-only business credit builder card, which means that there’s no personal credit check. Beyond the lack of a need for a personal credit score, they also don’t require a personal guarantee or extensive paperwork.

It’s not a business credit card that will come with hefty interest rates either.

Unlike business credit cards, you won’t have to worry about various fees or undesirable credit terms with FairFigure, allowing you to fund your business with fewer financial hurdles than with a traditional credit line.

Despite it being easy to qualify for, it’s not a secured credit card with a credit limit equal to your deposit. It’s a unique offering with a myriad of benefits for your small business and its financing needs.

Each payment is reported as a tradeline. If you have both FairFigure’s business credit monitoring services and the Capital Card, you have two credit tradelines being reported to multiple business credit bureaus, all while you stay on top of your business credit profile.

You can get a better idea of what FairFigure has to offer with a free business credit report and free business credit scores!

2. Credit Suite

Many business credit builders focus on providing you with the tradelines needed to boost your credit score. Credit Suite stands out as a business credit builder program because it enables you to build credit faster with more comprehensive support.

The Credit Suite Fundability System leverages over 125 factors using Credit Suite’s unique research to develop a fundability profile that reveals areas of improvement holding you back from getting approved for funding.

With their step-by-step guidance and support, they’ll help you fix these fundability issues so that you can grow your credit score and your financing with greater ease.

However, their support for business credit building doesn’t stop there. With the Credit Suite Fundability System, you will be able to:

• Discover better financing solutions with the support of Credit Suite’s comprehensive database of vendors, lenders, and credit issuers. They’ll match you with good credit solutions based on whether you pre-qualify.
• Build business credit fast and effectively. They’ll guide you through each step of your business credit-building journey so that you’re reaching each tier of business credit with fewer obstacles, enabling you to access serious cash quickly.
• Track your business credit score across each major business credit bureau in real-time so that you can monitor your progress and address any credit issues in your business credit report as they arise.
• Access one-on-one business support you need to feel confident as you work on building business credit.

If you need not only the resources to build your business credit but the support required to navigate business credit, Credit Suite is one of the top business credit builder programs designed around your small business needs.

3. eCredable

What if you could turn all of the bills your business pays regularly into tradelines? That’s the idea behind eCredable.

Much like FairFigure, eCredable starts you off with one tradeline. Your monthly subscription is reported to Dun & Bradstreet, Equifax, and Experian to help you boost your business credit score and build positive credit history.

But beyond that, eCredable helps you transform your eligible business accounts into tradelines as well. Expenses like your office rent, phone or internet bills, and even your utilities can help you build business credit. eCredable reports these expenses as tradelines to Equifax.

It’s a very simple system that can be highly effective at helping your small business build business credit rapidly.

eCredable offers two subscription options: Business Lift and Business Lift+.

The Business Lift subscription comes with all of the support for building credit listed above.

If you’re looking for extra support, you might be interested in Business Lift+.

Business Lift+ uses 7 Key Financial Ratios and Metrics to help you make informed business decisions, gain greater insights into business funding opportunities, and more.

Regardless of which subscription plan you choose, both will allow you to build business credit fast.

4. Growegy

The reality of securing business financing is that you often need more than just a good business credit score and business credit history. You need a strong business plan, effective business operations, and beyond. That’s where Growegy comes in.

Growegy offers net 30 terms that report your subscription as a tradeline to Equifax and Experian.

But unlike many other net 30 vendors, Growegy has a lot to offer that is designed around your business funding needs.

Their business operating software supports your business with features like:

• Streamlined Matching for Financing: Growegy connects you with the best lender options, streamlining the funding process for faster and better results.
• Business Plan Creation: A business plan is necessary if you want an SBA loan. Their business plans will support your small business and better position it for small business loan approval.
• AI Content Generation: Their AI tool can help you generate first drafts for content so that you can focus on tasks that demand your attention.
• Business Management Optimization: Growegy offers tools like a project management calendar, marketing agency services, and a dedicated account manager to help your business build its online presence.
• Partner Services and Loyalty Program: Are you looking for additional support without breaking the bank? Their partner services and loyalty program provide you with essential support and benefits at a discount.

Growegy may offer only one tradeline. However, its net 30 account is quite robust and is designed to support your business in all the ways that you need to secure business funding with less difficulty.

5. Wise Business Plans

If you’re looking for something similar to Growegy, Wise Business Plans is another net 30 account worth looking into.

Wise Business Plans boasts a four-step application process with easy approval. As long as you have a U.S.-based business, an EIN, are filed with the Secretary of State, and have no major delinquencies, you’ll qualify.

They report to Equifax Business, Experian Business, and CreditSafe for maximum impact on your business credit score and credit history.

In comparison to Growegy, you’ll find that Wise Business Plans offers a lot more in terms of business support. Their business services encompass:

• Business Plans
• Tax ID Filing
• Digital Marketing
• Business Formation
• Website Design
• Business Compliance
• Business License Search
• Business Branding
• Business eLearning

Whatever is required to get your business up and running, they offer it.

It’s worth noting that this net 30 credit account does require you to pay an annual fee of $99. You must also have a minimum spend of $164 to maintain an active vendor credit account and take advantage of trade credit.