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You need
at least 15 - 20 trade accounts reporting on your business credit reports to qualify for the accounts in the next tier.
Please scroll down to apply and make purchases with accounts that report to the business credit bureaus if you have not already.
Keep in mind the items discussed in Step 4 so that you can have the best success in approvals with the below accounts and success with them reporting.
APPLY WITH
2-3 ACCOUNTS
When applying for unsecured funding make sure you use your correct business information as it matches on all of your business records.
To make sure your accounts report make a purchase of a least $50.
It typically takes 30-60 days to complete this step and for your payments to report on your business credit reports. Continue to search your reports regularly so you are aware when they start reporting.
when planning on securing high limit funding, dont be afraid to go back a step and secure more accounts if you are not on track. when obtaining credit, the more positive accounts you have reporting demonstrates credibility to creditors and raises your scores boosting your profile & Chances of approval.
ASK AI
SAMS CLUB BUSINESS
Sam’s Club is a warehouse retail chain offering office supplies, business furniture, vending items, janitorial/cleaning supplies, paper products, food service supplies, computers, and more.
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Sam’s Club Business Mastercard or a Sam’s Club Business Credit Card
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– Must have Club membership
– At least 2 years in business
– Must have a good Experian business credit score
– Must have a good D&B paydex score of 80 or higher
– Business address on D&B should match with the IRS and Secretary of State (SOS).
As stated on their application if less than the below items might be harder to be approved without a Personal Guarantee(PG) but can try
– $5 million in annual sales or revenues
– At least 2 years in business
– More than 10 employees
– A Personal Guarantee (PG) is required if company is a Sole Proprietor or Partnership
– Cash advance available with business credit card approval, amount of cash advance depends upon approval amount.
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Sam’s Club Business Mastercard or a Sam’s Club Business Credit Card
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– Must have Club membership
– At least 2 years in business
– Must have a good Experian business credit score
– Must have a good D&B paydex score of 80 or higher
– Business address on D&B should match with the IRS and Secretary of State (SOS).
As stated on their application if less than the below items might be harder to be approved without a Personal Guarantee(PG) but can try
– $5 million in annual sales or revenues
– At least 2 years in business
– More than 10 employees
– A Personal Guarantee (PG) is required if company is a Sole Proprietor or Partnership
– Cash advance available with business credit card approval, amount of cash advance depends upon approval amount.
MENARDS
COMMERCIAL ACCOUNT
Menards carries a complete selection of high-quality, name brand merchandise, tools, materials and supplies for all home improvement needs. Menards Commercial Credit card is powered by Capital One bank. No annual fee and has its own line of credit. They also have auth cards for employees. Card can only be used at the store or online purchases
REPORTS TO:
D&B | Experian
TERMS:
Net 30 | 50 | Revolving or Pay-in-full
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Menards Commercial Account (Net 30 or Net 50)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– Trade/credit references
– Strong business credit history with good D&B paydex score of 80 or higher and good Experian business credit score
– At least 3 years in business
– If your Business Legal Structure is Non-Profit Corporation, Corporation or LLC, a Personal Guaranty is required if the business is less than 3 years old.
Menards® Contractor Card (Revolving or Pay-in-full)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– Trade/credit references
– Strong business credit history with good D&B paydex score of 80 or higher and good Experian business credit score
– At least 3 years in business
– If your Business Legal Structure is Non-Profit Corporation, Corporation or LLC, a Personal Guaranty is required if the business is less than 3 years old.
– Built for Contractors looking to maximize savings and manage their businesses
REPORTS TO:
D&B | Experian
TERMS:
Net 30 | 50 | Revolving or Pay-in-full
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Menards Commercial Account (Net 30 or Net 50)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– Trade/credit references
– Strong business credit history with good D&B paydex score of 80 or higher and good Experian business credit score
– At least 3 years in business
– If your Business Legal Structure is Non-Profit Corporation, Corporation or LLC, a Personal Guaranty is required if the business is less than 3 years old.
Menards® Contractor Card (Revolving or Pay-in-full)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– Trade/credit references
– Strong business credit history with good D&B paydex score of 80 or higher and good Experian business credit score
– At least 3 years in business
– If your Business Legal Structure is Non-Profit Corporation, Corporation or LLC, a Personal Guaranty is required if the business is less than 3 years old.
– Built for Contractors looking to maximize savings and manage their businesses
LENOVO
At Lenovo, innovation isn’t just what we do, it’s part of our DNA. It doesn’t just make us who we are, it flows through everything we do—from the smartphone in your pocket and light bulbs in your smart home to the servers in your data center. And beyond.
REPORTS TO:
D&B | Experian | Equifax, and Paynet
TERMS:
Net 30 | 60 | 90 | Financing or Leasing
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:Financing or Leasing
– Entity in good standing with Secretary of State
– Business credit history
– EIN number with IRS
– Business address- matching everywhere.
– D&B Number
– Business License- if applicable
– Business Bank account
– Been in business for at least 2 years
– Must have at least 10 or more employees
– Requesting a minimum of $4000
– Must have a good D&B paydex score of 80 or higher
– Business address on the D&B should match with the Secretary of State (SOS) and IRS records.
– Must have a good Experian business credit score
– If the above criteria are not met, a Personal Guarantee (PG) is required.
– Small businesses that are LenovoPRO members can apply online.
Net 30 | Net 60 | Net 90
– Entity in good standing with Secretary of State
– Business credit history
– EIN number with IRS
– Business address- matching everywhere.
– Business License- if applicable
– Business Bank account
– Must have a business website
– Been in business for at least 2 years
– Must have a good D&B paydex score of 80 or higher
– Business address on the D&B should match with the Secretary of State (SOS) and IRS records.
– Must have a good Experian business credit score
– Must have at least 20 employees
SPECIAL INSTRUCTIONS
PRO membership includes premium support for all Lenovo products, as well as special leasing options like our Device-as-a-Service (DaaS) subscription model – which bundles all your IT expenses into a single monthly fee.
REPORTS TO:
D&B | Experian | Equifax, and Paynet
TERMS:
Net 30 | 60 | 90 | Financing or Leasing
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:Financing or Leasing
– Entity in good standing with Secretary of State
– Business credit history
– EIN number with IRS
– Business address- matching everywhere.
– D&B Number
– Business License- if applicable
– Business Bank account
– Been in business for at least 2 years
– Must have at least 10 or more employees
– Requesting a minimum of $4000
– Must have a good D&B paydex score of 80 or higher
– Business address on the D&B should match with the Secretary of State (SOS) and IRS records.
– Must have a good Experian business credit score
– If the above criteria are not met, a Personal Guarantee (PG) is required.
– Small businesses that are LenovoPRO members can apply online.
Net 30 | Net 60 | Net 90
– Entity in good standing with Secretary of State
– Business credit history
– EIN number with IRS
– Business address- matching everywhere.
– Business License- if applicable
– Business Bank account
– Must have a business website
– Been in business for at least 2 years
– Must have a good D&B paydex score of 80 or higher
– Business address on the D&B should match with the Secretary of State (SOS) and IRS records.
– Must have a good Experian business credit score
– Must have at least 20 employees
SPECIAL INSTRUCTIONS
PRO membership includes premium support for all Lenovo products, as well as special leasing options like our Device-as-a-Service (DaaS) subscription model – which bundles all your IT expenses into a single monthly fee.
ABC SUPPLY CO.
ABC Supply Co., Inc. is the largest wholesale distributor of roofing in the United States and one of the nation’s largest distributors of siding, windows and other select exterior and interior building products, tools and related supplies. We offer high quality products, superior service and competitive pricing, ensuring the contractors have the products they need – when and where they need them.
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Net 30
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Must have a business License
– Business Bank account
– Bank reference
– 3 trade/credit references
– Must have a good Experian and Equifax business credit score
– Established business credit history and has the option to apply without a Personal Guarantee (PG).
– If not approved based on business credit history, a Personal Guarantee (PG) is required
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Net 30
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Must have a business License
– Business Bank account
– Bank reference
– 3 trade/credit references
– Must have a good Experian and Equifax business credit score
– Established business credit history and has the option to apply without a Personal Guarantee (PG).
– If not approved based on business credit history, a Personal Guarantee (PG) is required
5 STAR PROCESSING
We offer low cost merchant accounts for all types of businesses, low risk and high risk with international payment gateway solutions and business cards.
REPORTS TO:
Creditsafe (Net 30) | D&B | Experian | Equifax
TERMS:
Net 30 | Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
NET 30
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– No minimum time in business
– Minimum Personal FICO score Of 300+ for Soft Credit Pull
Business credit cards (Revolving)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account and need to set up link with it.
– Must have a business checking account for at least 6 months
– Must provide at least 3 months of business bank statement
– At least 6 months in business
– Minimum Personal FICO score Of 660+ for Soft Credit Pull
SPECIAL INSTRUCTIONS
They report at the end of every month to Creditsafe for the Net 30 account.
There is a ONE TIME application fee of $99 to apply on their Net 30 account.
There is a monthly fee of $9.99 to apply for the business credit cards. No full refund if denied. This $9.99 monthly fee provides you additional perks with all the 5 Star Products and our exclusive partnership products. These extra perks offer you exclusive 5 Star bonuses and money-back offers in addition to the great offers our partners provide. Merchant Service Discounts & Free terminal options, exclusive credit building products, Affiliate Programs, rewards, and much more. There is NO One Time Application fee for the business credit cards.
Net 30 account- Monthly fee of $9.99 will be reported to Creditsafe
Business credit cards – Monthly fee of $9.99 will not be reported
REPORTS TO:
Creditsafe (Net 30) | D&B | Experian | Equifax
TERMS:
Net 30 | Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
NET 30
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– No minimum time in business
– Minimum Personal FICO score Of 300+ for Soft Credit Pull
Business credit cards (Revolving)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account and need to set up link with it.
– Must have a business checking account for at least 6 months
– Must provide at least 3 months of business bank statement
– At least 6 months in business
– Minimum Personal FICO score Of 660+ for Soft Credit Pull
SPECIAL INSTRUCTIONS
They report at the end of every month to Creditsafe for the Net 30 account.
There is a ONE TIME application fee of $99 to apply on their Net 30 account.
There is a monthly fee of $9.99 to apply for the business credit cards. No full refund if denied. This $9.99 monthly fee provides you additional perks with all the 5 Star Products and our exclusive partnership products. These extra perks offer you exclusive 5 Star bonuses and money-back offers in addition to the great offers our partners provide. Merchant Service Discounts & Free terminal options, exclusive credit building products, Affiliate Programs, rewards, and much more. There is NO One Time Application fee for the business credit cards.
Net 30 account- Monthly fee of $9.99 will be reported to Creditsafe
Business credit cards – Monthly fee of $9.99 will not be reported
DELL TECHNOLOGIES
Visit Dell to buy computers and accessories for your Home or Small, Medium & Large Business. The Dell Business Credit Account is a revolving line of credit that provides an easy way to finance purchases of Dell equipment.
REPORTS TO:
D&B | Experian
TERMS:
Net 30 | 90 | Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Net 30, Net 90 or Revolving
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– At least 5 years in business
– Must have a good D&B paydex score of 80 or higher
– Personal Guarantee (PG) may be required if some criteria is not met
REPORTS TO:
D&B | Experian
TERMS:
Net 30 | 90 | Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Net 30, Net 90 or Revolving
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– At least 5 years in business
– Must have a good D&B paydex score of 80 or higher
– Personal Guarantee (PG) may be required if some criteria is not met
LOWE'S
BUSINESS ADVANTAGE
Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 50 home improvement company serving more than 18 million customers a week in the United States and Canada. Lowe’s and its related businesses operate or service more than 2,200 home improvement and hardware stores and employ approximately 300,000 associates. Founded in 1946 and based in Mooresville, N.C., Lowe’s supports its hometown Charlotte region and all communities it serves through programs focused on safe, affordable housing and careers in the skilled trades.
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Revolving | Net 30
TO QUALIFY:
Lowe’s Business Advantage (Net 60 or Net 26)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Established business credit history
– No minimum time in business
– Must have a good Experian business credit score
– Must have a good D&B paydex score of 80 or higher
– Can apply without a PG and credit dept. will review. It’s best to apply at the branch or store.
– If not approved based on business credit history, then a Personal Guarantee (PG) is required.
Business Rewards Card From American Express (Net 25 or Revolving)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Must have a good Experian business credit score
– Must have a good D&B paydex score of 80 or higher
– A Personal Guarantee (PG) is required
– Use it at Lowe’s and everywhere American Express is accepted.
Lowe’s Commercial Account (Net 30)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Bank reference
– Trade/credit references
– At least 2 years in business
– Must have a good D&B paydex score of 80 or higher
– Must have a good Equifax business credit score
– Can apply without a PG and credit dept. will review.
– If not approved based on business credit history, then a Personal Guarantee (PG) is required.
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Revolving | Net 30
TO QUALIFY:
Lowe’s Business Advantage (Net 60 or Net 26)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Established business credit history
– No minimum time in business
– Must have a good Experian business credit score
– Must have a good D&B paydex score of 80 or higher
– Can apply without a PG and credit dept. will review. It’s best to apply at the branch or store.
– If not approved based on business credit history, then a Personal Guarantee (PG) is required.
Business Rewards Card From American Express (Net 25 or Revolving)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Must have a good Experian business credit score
– Must have a good D&B paydex score of 80 or higher
– A Personal Guarantee (PG) is required
– Use it at Lowe’s and everywhere American Express is accepted.
Lowe’s Commercial Account (Net 30)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D&B number
– Business License- if applicable
– Business Bank account
– Bank reference
– Trade/credit references
– At least 2 years in business
– Must have a good D&B paydex score of 80 or higher
– Must have a good Equifax business credit score
– Can apply without a PG and credit dept. will review.
– If not approved based on business credit history, then a Personal Guarantee (PG) is required.
COSTCO | CITI
ANYWHERE VISA BUSINESS
a membership warehouse club, dedicated to bringing our members the best possible prices on quality, brand-name merchandise. With hundreds of locations worldwide, Costco provides a wide selection of merchandise, plus the convenience of specialty departments and exclusive member services, all designed to make your shopping experience a pleasurable one.
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Net 23 | Revolving
TO QUALIFY:
Costco Anywhere Visa® Business Card by Citi (Net 23 or Revolving)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– A Costco membership is required to apply.
– Must have a good Experian business credit score and D&B paydex score of 80 or higher
– At least $5M in annual sales. If less than that a PG is required.
– A Personal Guarantee (PG) is required.
– Cash advance available with business credit card approval, amount of cash advance depends upon approval amount.
– Exclusively for Costco members.
Costco Corporate Account
– At least $5 M in annual sales
– At least 2 years in business
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Net 23 | Revolving
TO QUALIFY:
Costco Anywhere Visa® Business Card by Citi (Net 23 or Revolving)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– A Costco membership is required to apply.
– Must have a good Experian business credit score and D&B paydex score of 80 or higher
– At least $5M in annual sales. If less than that a PG is required.
– A Personal Guarantee (PG) is required.
– Cash advance available with business credit card approval, amount of cash advance depends upon approval amount.
– Exclusively for Costco members.
Costco Corporate Account
– At least $5 M in annual sales
– At least 2 years in business
HOME DEPOT
PRO EXTRA REVOLVING CHARGE CARD
The Home Depot provides products and services for all your home improvement needs. Their Commercial Revolving Charge Card gives your business payment flexibility and provides a boost to your business credit profile at the same time.
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Net 30 | 60 | Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Commercial Account (Pay In Full Terms)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
-They like to see minimum 2 accounts reporting,
but look at merit of overall application
– Business Phone Number Listed in 411
– At least 3 years in the business
– Must have a good Experian business credit score and D&B paydex score of 80 or higher
– Can request Net 60 after account is established
– If not enough business credit history or been in business for less than 3 years,a Personal Gurantee(PG) is required.
Commercial Revolving Charge Account
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– No minimum time in business
– Must have a good Experian business credit score and D&B paydex score of 80 or higher
– A Personal Guarantee (PG) is required
REPORTS TO:
D&B | Experian | Equifax
TERMS:
Net 30 | 60 | Revolving
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
Commercial Account (Pay In Full Terms)
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
-They like to see minimum 2 accounts reporting,
but look at merit of overall application
– Business Phone Number Listed in 411
– At least 3 years in the business
– Must have a good Experian business credit score and D&B paydex score of 80 or higher
– Can request Net 60 after account is established
– If not enough business credit history or been in business for less than 3 years,a Personal Gurantee(PG) is required.
Commercial Revolving Charge Account
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– Business Phone Number Listed in 411
– No minimum time in business
– Must have a good Experian business credit score and D&B paydex score of 80 or higher
– A Personal Guarantee (PG) is required
UNITED RENTALS
United Rentals, Inc. is the largest equipment rental company in the world, with an integrated network of more than 900 rental locations in 48 states and 10 Canadian provinces. Their diverse customer base includes construction and industrial companies, utilities, municipalities, government agencies and independent contractors.
REPORTS TO:
Equifax
TERMS:
Net 30 | 45
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– No minimum time in business
– No minimum purchase to report
– Established business credit history and has the option to apply without a Personal Guarantee (PG).
– Must have a good Equifax business credit score
– If Equifax business score is low, a PG is required
REPORTS TO:
Equifax
TERMS:
Net 30 | 45
PG / NO PG:
No Personal Guarantee Required
TO QUALIFY:
– Entity in good standing with Secretary of State
– EIN number with IRS
– Business address- matching everywhere.
– D & B number
– Business License- if applicable
– Business Bank account
– No minimum time in business
– No minimum purchase to report
– Established business credit history and has the option to apply without a Personal Guarantee (PG).
– Must have a good Equifax business credit score
– If Equifax business score is low, a PG is required
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