9 Tier 2 Business Credit Vendors

Suppose you’re a business owner with a solid credit profile and looking for larger credit lines than what tier 1 vendors typically offer. In this situation, tier 2 business credit vendors can be an excellent choice.

These vendors tend to allow for larger purchases and flexible payment terms, which is perfect for scaling your business while building business credit.

The Best Tier 2 Business Credit Vendors

1. FairFigure
2. Home Depot
3. Staples
4. Advance Auto Parts
5. Office Depot/OfficeMax
6. Lowe’s
7. Valero
8. United Rentals
9. NAMYNOT

1. FairFigure

The FairFigure Capital Card is a true EIN-only card that’s designed to separate your business and personal finances. It doesn’t look at your personal credit report, there’s no personal guarantee, and no deposit is required.

When determining eligibility and credit limit, we base our decision on your business revenue. If you use the FairFigure Capital Card responsibly, consistently making payments on time, you may become eligible for a higher credit limit in the future.

You also get to choose your payment terms, with the option for a 4- or 8-week payback plan.

Because FairFigure reports to multiple business credit bureaus, including Equifax Business, CreditSafe USA, and the SBFE, you can use it to continually build business credit while unlocking steady cash flow to propel your business forward.

You also get access to FairFigure’s best-in-class business credit monitoring, allowing you to quickly spot and resolve any errors or inaccuracies that could potentially harm your business credit score.

Sign up for FairFigure and get your Equifax Business Report for free!

2. Home Depot

With more than 2,300 stores across America and a line of over one million products, Home Depot is one of the top sellers of tools, appliances, furniture, and more.

If this is your go-to store for these types of items, this can be a great business credit builder with a favorable credit term.

A Home Depot Commercial Account offers net 60 terms that give you 60 days to pay for each invoice. However, if you pay within 20 days, you’ll get a 2% discount, which is a nice plus.

If approved, you’ll receive buyer ID cards for your employees, which have preset spending limits and provide access to detailed vendor tradeline spending info. This makes it helpful if you have multiple employees using business credit cards and need to efficiently manage your spending.

In terms of business credit bureau reporting, Home Depot reports to Dun & Bradstreet, Experian Business, and Equifax Business.

Note that Home Depot does require a personal guarantee if:

• You earn under $2 million in revenue per year
• You’ve been operating for less than two years
• You have less than 10 employees

While this isn’t ideal if you’re a new small business owner, we feel Home Depot is a solid business credit vendor overall.

Reporting positive payment history to the three major bureaus for D&B, Experian Business, and Equifax Business can open the door for future financing like a large business loan and business credit cards/corporate credit cards with low interest, great rewards, and high credit limits.

3. Staples

When it comes to financing office supplies while simultaneously building business credit, Staples is usually one of the first vendors that comes to mind. It currently has over 1,000 stores nationwide and carries more than 45,000 items.

Unfortunately, the Staples More Account Credit Card — the company’s former business credit card — was closed in July 2023. Therefore, this is no longer a valid option for business owners.

However, this supplier does offer the Staples Business Advantage Account, which has net 30 payment terms for eligible businesses with 20 or more employees. Note that it’s not currently available to businesses with fewer than 20 employees.

If approved, you have 30 days to pay for invoices and get several benefits, including:

• Custom pricing to help save on frequently purchased items
• An unlimited number of users for an account
• Next-day delivery for 98% of US-based customers
• Business spending reports

If your business is big enough and uses Staples as your primary office supplies vendor, this can be one of the best net 30 accounts for continuing to improve your business credit score.

4. Advance Auto Parts

Advance Auto Parts is one of America’s leading auto parts providers and sells everything from oil and brake pads to radiators and rotors. If you constantly need to purchase auto parts and are looking for financing opportunities to build business credit, this may be right up your alley.

Of all the tier 2 business credit vendors on this list, Advance Auto Parts is the least transparent.

However, you can find basic information about the Advance Professional program, including shop solutions, rewards, and more.

With rewards, for instance, you can earn free signage and point-of-sale materials, gift cards, rebates, and savings. You can also get free merchandise like hats and coolers.

While this won’t be the right financing option for every small business, and we wish the details of the business credit program were a bit clearer, it’s worth looking into if you want to finance auto parts. And we do know that AAP reports to Dun & Bradstreet.

Reporting to all three major business credit bureaus of D&B, Experian Business, and Equifax Business is preferable. But D&B alone should still have a considerable impact.

5. Office Depot/OfficeMax

Formerly two separate office supply companies, Office Depot and OfficeMax merged back in 2013. As of 2024, there are over 1,400 stores throughout the US, with nearly 8,000 products in inventory.

While this isn’t the same volume as Staples, Office Depot/OfficeMax still has an impressive catalog and offers two different business credit account options that can help raise your business credit score.

Their Business Credit Account is a net 30 account, giving you 30 days to pay for purchases. And you get a $50 credit if you spend $150 or more. There’s also no annual fee, you get exclusive offers for additional savings, and you can make larger purchases.

Note that you need to have a strong business credit history to qualify for this net 30 account.

Their other option, Office Depot/OfficeMax Business Account, is much easier to qualify for and is also a net 30 vendor. You can’t make as large of purchases with this net 30 account, but there’s no personal credit check, and it offers perks like volume discounts.

In terms of reporting, this vendor reports payment history to Dun & Bradstreet.

6. Lowe’s

With over 40,000 items in its physical retail stores and an additional two million items available online, the sheer volume of Lowe’s products is truly staggering. Building supplies, cleaning supplies, appliances, and bathroom products are just a few categories in its line.

If you want a one-stop shop, it doesn’t get much better than Lowe’s.

Besides the huge inventory, Lowe’s is one of our favorite tier 2 business credit vendors because it offers three trade credit account options for small business owners.

• Lowe’s Business Advantage - Offers net 30 terms, and you save 5% on in-store purchases and eligible online purchases
• Lowe’s Business Reward Card - Offers net 30 terms, and you earn 5% cash back on Lowe’s purchases during the first six months and 2% after that, with no annual fee
• Lowe’s Commercial Account - Offers net 60 terms, and you save 5% on in-store and eligible online purchases, plus get extended payment terms

Lowe’s reports your payment history to Experian Business and Dun & Bradstreet, which is ideal for improving your business credit report.

7. Valero

Formed in 1981, Valero is one of the nation’s top fuel producers and currently has over 6,800 locations throughout the US.

If you’re a small business owner looking to open a credit account with a fuel supplier, Valero is one of the best choices, as they have two business credit card options.

The Valero Fleet Card allows you to save up to 8 cents per gallon and is accepted at over 5,000 Valero gas stations. There are no setup or monthly fees, and you also get discounts on vehicle parts, hotel travel, and more.

You can also get a vendor credit, where you can carry a monthly balance with this business credit card.

The other option, the Valero Fleet Plus Card, also lets you save up to 8 cents per gallon and is accepted at over 5,000 Valero gas stations, as well as 95% of all US gas stations. You can also earn discounts on auto parts, hotels, and more.

We like the straightforward nature of this vendor, and you can leverage your positive payment history with Dun & Bradstreet to further build your business credit report.

8. United Rentals

United Rentals is one of America and Canada’s premier industrial and equipment rental providers, with over 3,300 types of rentals. With it, you can get forklifts, mini excavators, scissor lifts, and more.

If you’re a small business owner who’s heavily focused on projects that require heavy-duty equipment like this, getting a tradeline from United Rentals is a great way to obtain financing while simultaneously building your business credit history.

The company doesn’t provide much information about eligibility requirements, rewards, and business credit bureau reporting. But like most tier 2 business credit vendors, you need to have good credit to qualify, with a positive payment history with at least a few vendor tradelines.

If you’re ready to move on from tier 1 vendors and want to continue building your business credit, this is certainly a vendor to consider.

You can apply for a tradeline with United Rentals here, with most applications being processed within one business day.

9. NAMYNOT

Finally, there’s NAMYNOT — a brand growth and digital marketing agency that offers a wide array of services.

Some of these include:

• Lead generation
• Web design
• Email marketing
• Social media
• Paid ad management

This is a net 30 vendor that will provide up to a $10,000 line of credit to qualified businesses, with no personal credit check or personal guarantee. If you’re concerned about a poor personal credit score hurting your chances, there are no worries with NAMYNOT.

As for credit bureau reporting, it reports to Dun & Bradstreet and Experian Business.

While this company isn’t overly rigorous with its qualification criteria, it does require a business owner to:

• Be a registered business
• Operate in the US
• Have been in business for at least 90 days
• Have at least 25% ownership in their company or be a trustee with at least 25% ownership
• Have an EIN and DUNS number
• Have a positive payment history

If you meet that criteria, you can apply for a net 30 NAMYNOT trade credit account here.

Alternatives to Tier 2 Business Vendors

There are four business credit tiers in total — tier 1, tier 2, tier 3, and tier 4.

If you want to look for alternatives to tier 2 business vendors, you can opt for tier 1, tier 3, or tier 4 accounts.

Tier 1 business credit vendors offer basic trade credit and tend to be easier to qualify for than any other tier. These typically have net 30 terms and work well if you’re just starting out and have limited business credit.

Tier 3 vendors require a far more robust business credit history, with about a dozen tier 1 and tier 2 accounts under your belt. As a result, these aren’t usually a viable option for brand-new businesses or those lacking a strong credit history.

And tier 4 business funding involves leveraging investors to raise capital. This is a good option if you’re seeking significant funding and don’t mind exchanging part of your company’s equity to do so.

The main downside is that you often have to give up equity to obtain tier 4 business funding.

We wrote about about net 30 electronics accounts and net 30 clothing vendors if you're looking specifically for products in those niches.

Taking Your Business Credit to the Next Level

If you’ve already established solid business credit and are looking to take the next step beyond tier 1 accounts, tier 2 business credit vendors are likely for you.

From office supplies to auto parts to fuel to digital marketing, the vendors listed above offer a diverse range of products and services that can help finance your business purchases while continuing to strengthen your business credit profile.