7 Business Tradelines with No Upfront Fee

Business tradelines are necessary for building business credit for your small business. That being said, paying upfront fees, annual fees, and other associated fees can get expensive quickly.

Here are some top business tradelines without an upfront fee that you can get started with.

1. Growegy

If you’re looking for a business tradeline that offers comprehensive support for your small business, consider Growegy.

Growegy isn’t like other net 30 vendors. Most offer a net 30 account that will help you build your business credit and payment history when you purchase products.

Growegy, on the other hand, is a business software and net 30 vendor that offers a wealth of solutions for the small business owner.

These include:

• Streamlined matching for funding. This helps you connect with trusted lending partners that are the best fit for your business’s needs.
• Business plan creation. These business plans will help you remain competitive, grow your revenue, and launch marketing strategies with ease.
• An AI assistant that helps you automate lower-level tasks so that you can focus on tasks only you can handle in your small business.
• A dedicated account manager to answer any questions and help you get the most out of Growegy.
• Partner services, discounts, and a loyalty program to maximize savings.

Growegy also helps you build business credit. This net 30 vendor reports to Equifax Business and Experian Business. They do list Dun & Bradstreet, but they don’t offer automated reporting. They also don’t require a personal credit check or personal guarantee.

Growegy doesn’t have an upfront fee in the sense that you’re paying to be able to buy products. However, you will pay a subscription fee to access their full suite of services. You can either pay $55/month or save and pay $600 annually.

2. The CEO Creative

The CEO Creative is a net 30 vendor worth approaching if you want custom promotional products.

Promotional products are a great way to advertise your business locally, reward customers, and unify your team with uniforms and casual wear featuring your business’s logo.

There’s no limit to the types of products small businesses can customize. They offer everything from apparel to business cards. If you’re not interested in customization, you can still find tech and office supplies to buy on your net 30 account.

Interestingly, you can find business services here as well. They offer graphic design services, SEO services, and website packages.

They don’t have any application fees, but they do charge a membership fee. However, this is a mere $49/year for net 30 payment terms. That’s more than reasonable and quite affordable to get a net 30 account.

As with the other net 30 vendors on this list, there is no personal credit check.

They report net 30 account activity to three business credit bureaus: Equifax Business, Creditsafe, and Dun & Bradstreet.

3. FairFigure

FairFigure is another one of the standout net 30 vendors if you’re looking for more than just net 30 terms, accompanied by the ability to purchase various business goods.

FairFigure is first and foremost a business credit building and business credit monitoring service.

FairFigure business credit monitoring services allow you to track your business credit across Dun & Bradstreet, Equifax Business, and Creditsafe. They also have their own FairFigure Foundation Scores to help you understand your likelihood of acquiring financing.

These services come with perks like AI podcasts with credit and cash flow insights, darknet monitoring, and the Business Credit Corrector to fix inaccurate data.

The subscription costs $30/month. It is a fee, but it’s more than manageable for a small business. Each payment is reported as a tradeline to Equifax Business, Experian Business, Creditsafe, and the SBFE. This helps your new business build credit effectively.

What doesn’t come at an extra cost is their financing solutions. The FairFigure Capital Card and the FairFigure Lift business credit builder account are EIN-only solutions. There’s no personal credit check or personal guarantee.

Both are easy to apply for, revenue-based, and offer flexible payment term options. You don’t need good credit to qualify.

The FairFigure card is a business credit card alternative. Unlike a business credit card, there’s no interest or paperwork. It’s the perfect business credit card alternative if you’re having trouble getting approved for business credit cards.

The FairFigure Lift solution is a business credit builder account (not a business loan) that deposits credit-building funds right into your business bank account.

More than that, using these solutions gives you an additional tradeline at no extra cost. That’s two business tradelines for your growing small business on one platform.

If you want to protect your business credit, build business credit and payment history, and fund your business, FairFigure is one of the net 30 vendors you should register for right away.

4. HD Supply

Do you operate a business in the hospitality sector? Are you flipping homes or creating a large portfolio of rental properties? Do you work in the healthcare industry? If your answer was yes, HD Supply is the net 30 vendor for you.

HD Supply is a division of Home Depot, hence the name.

As one would expect, you can find many of the supplies, products, and services you would find at Home Depot. They cater to a wide range of industries. More importantly, they are very generous with discounts and promotions.

This can be a major benefit for those seeking cost-effective tier 2 business credit vendors.

They don’t have any upfront fees to get trade credit. They don’t require an annual fee or order minimums for net 30 payment terms.

They don’t conduct a personal credit check for net 30 account approval.

They only report to Dun & Bradstreet. However, this will be enough to help you build business credit.

Tip: Paying your net 30 account balance off earlier will help you boost your PAYDEX score.

5. Quill

Having multiple net 30 vendor accounts will help you build business credit quickly. Thankfully, there are a lot of net 30 vendors who offer numerous products that will appeal to any business owner. Another vendor that will likely fit your small business needs is Quill.

Quill offers your standard range of office supplies. For example, you can get ink and toner, breakroom supplies, and furniture here.

However, you’ll also find products you might not have expected to come across. These include healthcare goods, grills, and even tools.

There’s something for everyone over at Quill. This guarantees that you’ll be able to make use of your net 30 account to build business credit and payment history.

Quill doesn’t feature any upfront fees or annual membership fees for trade credit. There’s also no personal credit check.

Their minimum order is a bit high when you first open a net 30 account.

They require you to spend at least $100 to qualify for their net 30 tradeline. However, you won’t have to spend this much every time. Each subsequent order will only need to meet a $50 order minimum to maintain net 30 payment terms.

Quill is a solid option if you need a net 30 vendor you’re guaranteed to use. Their broad offerings appeal to businesses across multiple industries.

They report to Dun & Bradstreet and Experian Business.

6. Grainger

Grainger has a broad range of supplies. Still, it’s worth mentioning that they’re best suited for businesses in hospitality, education, or manufacturing. Retail businesses and warehouses might also have use for their products as well.

This is because Grainger sells safety equipment, tools, HVAC equipment, material handling products, and related goods.

Grainger offers two ways to apply for a net 30 account: through checkout or over the phone.

They will conduct a credit check (business credit check, not personal credit check).

As a note, your business credit score and business credit report will matter for some credit tradelines.

Your business credit score will naturally increase with each vendor account and timely payments. If you don’t qualify, you can wait until you have a strong business credit score and apply later.

They don’t have any upfront fees or annual fee requirements. They don’t have a minimum order requirement for trade credit.

Grainger only reports activity to Dun & Bradstreet.

Because their supplies tend to cost more, you can expect to receive a higher credit limit than you might receive with other tier 1 business credit vendors. You may receive a $1,000 credit line or greater.

7. Uline

Uline is a company you may already be familiar with. They supply businesses with a wide range of industrial, packing, cleaning, and office supplies.

Uline is one of the top net 30 vendors to utilize if you want a vendor account with no fees.

They don’t charge any upfront fees to use vendor credit. They also don’t charge an annual fee to maintain your net 30 account.

Most importantly, they don’t have order minimums that require you to spend a certain amount to ensure your business tradeline is being reported to each business credit bureau.

If you’re a new account owner, you can request net 30 terms at checkout. They’ll extend them to you if you qualify. Existing Uline account owners can request net 30 terms on the website.

They also don’t check your personal credit for your net 30 account.

Uline reports transactions to Dun & Bradstreet and Experian Business.