FairFigure: The Business Card for EIN Only

Get reliable business funding without a personal credit check. The FairFigure Card is a true EIN-only business card that helps you quickly build business credit while offering flexible payment terms. Improve your business credit score by as much as 60% in three months, with same-day funding!

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Revenue-Based Approval

Rather than basing eligibility on your personal credit score, we look at your business data and future revenue projections. That way, you’re not limited by your personal credit and can quickly boost cash flow, while simultaneously building your business credit.

EIN-Only: No Personal Credit Check

Don’t let your personal credit score hold you back. FairFigure requires no personal credit check or personal guarantee.
Rather than getting approved based on your personal credit (which requires a SSN or Individual Taxpayer Identification Number for a personal credit check), apply for a FairFigure business credit card with your EIN issued by the Internal Revenue Service.

Build Business Credit

FairFigure reports to multiple business credit bureaus, including Equifax Business, Creditsafe, and the SBFE. Get funding for the purchases you need, while being rewarded for using your business credit card responsibly.

Capital Card Comparison

Featured Card

FairFigure Capital Card

Business Credit Building Speed ++

Reports to business credit bureaus

No deposit required

No personal guarantee or personal credit checks

Select your own payback terms

Best in class monitoring + 2 tradelines

Get your 1st or 15th capital infusion for your business with the FairFigure Business Capital Card. Get same day funding today with no personal credit checks or personal guarantees. Use your virtual card today while your physical card is shipped in the mail.

Join now

Nav Prime

Business Credit Building Speed +

Reports to business credit bureaus

No deposit required

No personal guarantee or personal credit checks

NET 0 Payback

Limited monitoring + 2 tradelines

The Remaining Guys

Corporate Charge Cards

Good old charge cards

Reports to business credit bureaus

Deposits required

Requires personal guarantee/credit checks

Monthly balance is due

No monitoring + 1 tradelines

Capital Card Comparison

Featured Card
FairFigure Capital Card
Business Credit Building Speed ++
Reports to business credit bureaus
No deposit required
No personal guarantee or personal credit checks
Select your own payback terms
Best in class monitoring + 2 tradelines
Get your 1st or 15th capital infusion for your business with the FairFigure Business Capital Card. Get same day funding today with no personal credit checks or personal guarantees. Use your virtual card today while your physical card is shipped in the mail.
Join now
Nav Prime
Nav Prime
Business Credit Building Speed +
Reports to business credit bureaus
No deposit required
No personal guarantee or personal credit checks
NET 0 Payback
Limited monitoring + 2 tradelines
The Remaining Guys
Corporate Charge Cards
Good old charge cards
Reports to business credit bureaus
Deposits required
Requires personal guarantee/credit checks
Monthly balance is due
No monitoring + 1 tradelines

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How Most EIN-Only Business Cards Work

Normal business credit cards aren’t EIN-only. In most cases, a small business credit card issuer will check your personal credit history before approval.

This is especially true for newer companies that lack an established business credit history. With minimal information to draw from, most card issuers will want to check your personal credit report to determine your creditworthiness.

As a result, this can be problematic if you have poor personal credit, as it can prevent you from obtaining many business credit cards.

You can get around this with EIN-only cards. However, almost all are corporate credit cards and business gas cards, which is limiting to many smaller businesses.

FairFigure is different because we don’t check your personal credit reports. Instead, it’s a true EIN-only card that neither takes your personal credit into account nor reports to personal credit bureaus.

Because we base our offers on your business data and what your projected future revenue will be, this allows us to provide a business credit card without you having to deal with personal credit.

That way, you don’t have to worry about your personal finance history being an issue or any personal liability if you run into trouble making payments.

If you want a card issuer that truly bases your eligibility on your EIN and won’t report to personal credit bureaus, FairFigure is one of the best credit cards there is.

Better Than a Net 30 Account

Net 30 accounts are one of the most common ways to build business credit. And they certainly work.

That said, net 30 accounts have their limitations.

For example, you typically need 5-10 vendor tradelines to build any real momentum. You may have to spend $500-$1,000 to build your business credit. Also, it can take as many as 45 days to see any tangible improvement to your business credit score.

However, a business credit card EIN only gives you the chance to turn all of your business and vendor purchases into business credit-building opportunities.

Whether it’s for office supplies, office furniture, travel expenses, or any other business expense, using an EIN-only business credit card like FairFigure lets you capitalize on everything.

Another benefit of the FairFigure Capital Card is that it offers cash back on your vendor purchases. Unlike a net 30 account where you’re spending but not getting anything back, you’re always earning with an EIN-only card, which is a nice plus.

Besides that, there’s the potential to access additional funding. By using your FairFigure business card responsibly and making payments on time, you may become eligible to receive additional funding to further increase your credit limit and boost your cash flow.

Secured vs. Unsecured Business Credit Cards

While secured business credit cards are usually easier to qualify for than unsecured cards, they have some considerable drawbacks.

One, they’re expensive, with many requiring a minimum deposit of $2,000. If you’re a small business owner on a tight budget, this can be a serious problem and negate the impact of getting a business credit card in the first place.

Next, they’re usually limited to local banks. In turn, this can minimize your options when applying for a secured credit card.

Also, they don’t usually report to more than one business credit bureau. But with an EIN-only business credit card like FairFigure, your information is reported to multiple credit bureaus for a bigger impact on your business credit score.

Not to mention, secured business credit cards tend to have higher interest rates and fees than unsecured cards, as well as less cash back.

Because these credit cards are often geared toward new small business owners with minimal business credit, you can expect higher APRs, annual fees, foreign transaction fees, and late fees.

The bottom line is that you should generally avoid using a secured business credit card if you can help it. Some popular unsecured credit cards are the FairFigure Card, the Tap Business Credit Card, and the Ink Business Cash Card.

Report to Business Bureaus But NOT to the Personal Credit Bureaus

As a business owner, you want to report your positive payment history to business credit bureaus. That’s the key to building your business credit score and unlocking future cash flow.

However, you don’t want to report to personal credit bureaus. That’s because if there are any issues with your business credit like a late payment, it can potentially spill over and harm your personal credit score.

In turn, this can make it more difficult to qualify for a personal credit card like Citi Double Cash or a personal loan in the future.

Ideally, a credit card company will report to business bureaus but NOT to personal credit bureaus. That way, you can reap the rewards of making business credit card payments on time but not needlessly put your personal credit score at risk.

And that’s exactly what you get with the FairFigure Card. With it, you get the cash flow you need while keeping your business and personal finances separate — something that few card issuers offer.

So even in a worst-case scenario where you default or aren’t able to make a business credit card payment on time, your personal credit score won’t take a hit.

Financial Tradelines Build Business Credit Faster

Getting a financial tradeline like a business credit card, business loan, or a business line of credit is one of the quickest ways to build business credit. And the process is very straightforward.

Obtain a financial tradeline, make your payments on time, have the card issuer report your positive payments to at least one business credit bureau, and watch your business credit score increase.

With an EIN-only business card like FairFigure, you can proactively build your business credit and establish yourself as a trustworthy borrower. And you can do so quickly, with some tradelines showing up on your business credit report in as little as just 15 days.

From there, you can use this momentum to open doors for other business financing opportunities and create even more cash flow. Not only that, you’ll likely be eligible for lower interest rates, lower fees, better rewards like 2 cash back plus, and more.

It’s all part of creating a positive cycle that allows you to establish yourself as a creditworthy business owner. Getting financial tradelines is a critical first step for getting the ball rolling and can help lay the foundation for a healthy business credit history.

Loved by thousands of customers

Shaquita R

Kingsmans Sweets

FairFigure was a lifesaver! Before, climbing Everest seemed easier than securing a loan for my bakery. But with FairFigure's tradelines, my credit score soared! Now, I have the funding to expand, and my cupcakes are flying off the shelves. Thanks FairFigure!

Eduardo R

QuikFix Repair

My old business credit score had me stuck in a tiny storefront. After using FairFigure's program, my score jumped. Now, I secured a dream location with twice the space. FairFigure helped me land the perfect launchpad for my business!

Lucia K

Lucia's Bridal

Blindsided by denials! My monitoring platform hid half the story. FairFigure showed me EVERYTHING on my business credit report. Turns out, a missed payment lingered! Fixed it, used FairFigure's card, and finally got approved! Now my business is growing.

FAQ

What is FairFigure?

Who is FairFigure for?

FairFigure is for any business in the United States who is looking to get funded. If you’re brand new or established our Foundation Report provides tri-bureau Commercial Monitoring and Score Boosting.

If your business has just started to pick up and you’ve been around for 3 months or more and have at least $2,500 in deposits, you can apply for the FairFigure Capital Card to supercharge your scores and get funded today. Already doing $5,000+ a month? We have even more funding options available to you using just your EIN.

Is this EIN or SSN only?

Is this a Credit Card or a Charge Card?

Neither. We analyze your business data and generate offers based on what we expect your future revenue to be. These deposits are purchased by us at a discounted rate, and funded to your FairFigure Capital Debit Card.

What does this mean for you? No personal credit checks, no personal guarantees, and no confusing payments or APRs. You select the payback terms that work best for you, we fund the full amount to your card for use today, and we report your payments to the bureaus boosting your business credit scores.

Where does FairFigure report to?

FairFigure allows you to check your business credit scores with Dun & Bradstreet, CreditSafe, and Equifax. FairFigure reports to Equifax Commercial, CreditSafe USA, SBFE, as well as our own Foundation Report. We’ve selected these data providers based on our extensive research and development into what lenders are looking for. Our data rubric was based on data accuracy & vendor adoption.

What this means for you is that our #1 goal is to get your business funded with the best data possible.

Is your platform secure?

How can Business Credit Monitoring services help me?

Business credit monitoring services like FairFigure help small business owners in five main ways.

First, credit monitoring allows you to quickly identify any errors that could potentially harm your business credit score. For instance, an incorrectly reported late payment that you actually made on time could be promptly spotted so you can take swift action. That way, you can resolve the issue before it has a chance to negatively impact your business credit history.

Next, you get up-to-date information as you build your business credit report. With business credit monitoring services like FairFigure and Business Credit Advantage, you can stay on top of your trajectory and see things from a lender’s perspective.

Third, credit monitoring keeps you up-to-date on your business credit score so you know whenever changes — good or bad — occur. In turn, you can make better decisions when seeking business financing and potentially find lower interest rates and fees.

Fourth, you can always be sure your business tradelines are reported on time and correctly. Given that your payment history from business credit card payments, business loans, and vendor payments heavily impacts your business credit score, this helps you stay on top of things so you can consistently build your business credit.

Finally, specifically using FairFigure as a business credit monitoring service gets business owners two additional tradelines for an affordable price. That way, you can improve your business credit score even more to open the door for future business financing.

This makes it easier to qualify for the best credit cards and get a higher credit limit to boost cash flow for a significant business advantage.

What should I look for in my Business Credit Reports?

As a small business owner, you should always be on the lookout for credit reporting errors. Just like with a personal credit report, inaccuracies on business credit reports are quite common, so you should never assume that what’s reported is 100% correct.

Mistakes like an account being closed that’s still open, incorrect payment delinquencies, or incorrect credit utilization can hurt your business score, even if it’s no fault of your own. Therefore, it’s important to proactively monitor with a tool like FairFigure’s Business Credit Monitor before they escalate.

Accounts that you have that aren’t being reported should also be on your radar with credit monitoring. Just like with a personal credit score, reporting positive payment history is an integral factor in building your business credit score. That’s why business owners should be leveraging everything they can to raise their business credit scores.

Whether it’s a lender, a small business product supplier, or any other type of account, this all contributes to improving your overall business credit report. Without properly reporting payment activity to at least one business credit bureau, you’ll likely miss out on small business credit-building opportunities.

Next, look for how many accounts you have and what types of accounts they are. With vendor tradelines, for example, it usually takes 5 - 10 tradelines to build any legitimate momentum.

On the other hand, having just one business credit card can have a tangible impact. That’s why you’ll want to know the quantity of each type of account.

Finally, pay attention to how old your accounts are. Because the length of your business credit history is a big contributor to your credit score, you’ll want to keep a close eye on this as well with either paid or free credit monitoring.

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