Business credit
Why it decides your terms.
Most owners we talk to have never separated their business credit from their personal score. That single gap decides which funders will look at a file and what they will charge — long before anyone reads a bank statement.
It is a separate file
Your business has its own credit identity, built on trade lines reporting to commercial bureaus rather than consumer ones. A strong personal score does not create it, and a weak personal score does not doom it. They are different files, pulled by different underwriters, for different decisions.
What it changes
Established business credit widens the set of funders who will consider you and moves you toward products priced on the business rather than on a personal guarantee. It is the difference between qualifying only for revenue-based financing and qualifying for a line of credit or a term loan — see how those products compare.
Without it, funding decisions lean harder on deposits and on your personal guarantee. That is still workable — revenue-based underwriting exists precisely for businesses in that position — but it is more expensive than it needs to be if you plan ahead. And if your personal credit is the obstacle today, read funding options with bad personal credit.
What actually builds it
An entity in good standing with matching records everywhere, a business bank account used as the operating account, an EIN, vendor and trade accounts that report to commercial bureaus, and a payment history on them. The mechanism is boring: accounts that report, paid on time, over time. There is no shortcut worth taking, and anyone selling one is selling you a problem.
Build it before you need it
The worst time to start is the week you need capital. Credit profiles take months to mature, and the businesses that get the best terms began building well before they had a use for them. If you are funding something now, we can work with the file you have today and put you on a path to better terms on the next round.