Your Business, With Its Own Credit History.
We open a commercial account in your business’s name and report the on-time payment to the business credit bureaus, every month.
From $49 a month. No credit check, no personal guarantee, no setup fee, and cancelling takes one step.
Before you buy: Reporting has not started yet. We are completing the furnishing agreements that let us submit tradelines, and your account is queued from the day you join — you will be told the date your first submission goes, and you can cancel at any time before then with no fee.
What a lender sees on your file
ACME WIDGETS LLC
Commercial tradeline · Develop Credit
- Reported limit
- $10,000
- Account status
- Current
Payment history · 12 months
- Apr
- May
- Jun
- Jul
- Aug
- Sep
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
Paid on time, reported to the business credit bureaus each month
Develop Credit Builder
A commercial tradeline in your business's name, reported to the business credit bureaus every month. We open the account at a set reported limit and report the on-time payment. That is the entire product.
No credit check, no personal guarantee, no setup fee and no minimum term. It does not touch your working capital — the monthly fee is the whole commitment.
Worth being plain about: reporting is not selective. Pay on time and the on-time payment is what gets reported. Miss one and that is reported too — a tradeline that only ever showed good months would not be worth anything to the lender reading it.
$10,000
reported limit
$99/month
An operating business that wants a larger limit on its file.
Start — $99/mo$30,000
reported limit
$199/month
Maximum reported capacity, for a file being built in earnest.
Start — $199/moBefore you buy: Reporting has not started yet. We are completing the furnishing agreements that let us submit tradelines, and your account is queued from the day you join — you will be told the date your first submission goes, and you can cancel at any time before then with no fee.
How It Works
Choose a reported limit
$5,000, $10,000 or $30,000. Same product at each rung — the only difference is the limit shown on the account. No credit check and no personal guarantee, because we are not lending you anything.
Tell us which entity to report
Legal entity name, formation state, EIN and principal business address. The bureaus match on those exactly, which is why we ask for the registered details rather than a trading name. About two minutes, once.
We report the on-time payment every month
A commercial tradeline in your business's name, reported on the monthly cycle. Allow up to two months before it appears — the bureaus process on their own schedule and nobody in this category can shorten that.
Why Business Credit Is Its Own Thing
Protect your personal credit
Every business expense on a personal card or personal guarantee is a risk to your own score. A real business credit profile lets your business borrow as itself.
Unlock financing you can't get otherwise
Vendors, lenders, and leasing companies check business credit before they'll extend terms — a thin or nonexistent file quietly closes doors you don't even see.
Look like the business you actually are
A real, documented credit history signals stability to suppliers, landlords, and partners — not just lenders.
Three Files, Not One Score
Business credit is three separate files, each checked by different vendors and lenders. A tradeline reported by Develop Credit goes to all three.
Dun & Bradstreet
Home of the PAYDEX score — the one most vendors and suppliers check first.
Experian Business
Powers the Intelliscore Plus rating many lenders use for financing decisions.
Equifax Business
Tracks payment trends and public records tied to your business's EIN.
Against the closest alternative
Where We Win, And Where We Don't
Credit Strong is the nearest thing to this product. Six of the thirteen differences, including the two that go against us. Every figure is checkable against their own published pricing, as of September 2026.
| Dimension | Develop Credit | Credit Strong |
|---|---|---|
| Monthly cash required | $49–$199 | $100–$2,000 |
| Setup fee | None | $349–$999 |
| Minimum term | None — cancel any month | 25 or 50 months |
| Holds your money | Never | Yes, until term ends |
| Money returned at end | Nothing to return | Full principal |
| Reports to SBFE / PayNet | No — closed to non-lenders | Yes |
Questions People Actually Ask
How much does Develop Credit cost?+
Develop Credit Builder starts at $49/month: $49 for a $5,000 reported limit, $99 for $10,000, or $199 for $30,000. All three together are $312.30/month, 10% off — a rate that applies only when they are bought together, and is not applied retroactively to accounts you already hold. Billing starts the day you subscribe. No free trial, no setup fee, no minimum term, and you can cancel any account on its own with no fee. The Track, Build and Fund monitoring plans are listed at $19, $29 and $49 but are not running yet.
Will checking my business credit hurt my score?+
No. Develop Credit is built around soft-pull checks, which don't affect your credit score the way a hard inquiry from a lender application would.
How is business credit different from my personal credit score?+
Your personal credit score is tied to your Social Security number. Business credit is tied to your business's EIN and its own history — separate from you personally, and visible to vendors and lenders evaluating your business specifically. Worth knowing: early on, plenty of lenders still look at the owner's personal file before a young business has a record of its own, so the two aren't fully independent until your business profile is established.
Do I need an LLC or corporation to use this?+
Having a formal entity (LLC, S-Corp, C-Corp, etc.) helps you build a business credit profile that's cleanly separated from your personal credit, but you can create an account regardless of entity type.
What happens after I sign up?+
You will get access to your dashboard straight away. Reporting has not started yet. We are completing the furnishing agreements that let us submit tradelines, and your account is queued from the day you join — you will be told the date your first submission goes, and you can cancel at any time before then with no fee.
Is the reporting selective — do you only report the good months?+
No, and it is worth being plain about. Pay on time and the on-time payment is what gets reported. Miss one and that is reported too. A tradeline that only ever showed good months would be worth nothing to the lender reading it, which is the whole reason a real one is worth having.
Not running yet
Monitoring Plans
Separate from the Builder reporting line above. These follow what is already on your business credit file rather than adding to it.
Nothing below is on sale. Monitoring needs bureau data licences we have not signed, so there is no way to buy it and no date we are willing to put on it. The prices are published so you can see what it will cost, not so you can pay them today.
Track
Know where your business stands.
$19/mo
Monitor your business credit profile, understand what impacts your scores, and stay informed as your company grows.
Planned
- Business credit score monitoring
- Easy-to-understand score analysis
- Monthly business credit report updates
- Real-time alerts for significant credit changes
Best for: New businesses and owners who want to monitor and protect their business credit.
Build
Establish stronger business credit.
$29/mo
Everything in Track, plus the tools and guidance to actively build a lender-ready business credit profile.
Planned
- Everything in Track
- Step-by-step Business Credit Building Roadmap
- Business Credit Builder Loan eligibility
- Recommended vendor and trade line opportunities
- Personalized credit-building guidance
Best for: Businesses actively building business credit and expanding financing opportunities.
Fund
Become financing ready.
$49/mo
Everything in Build, plus advanced tools and support to help prepare your business for larger credit lines, loans, and capital opportunities.
Planned
- Everything in Build
- Business Financing Readiness Review
- Multiple business profile management
- Priority member support
- Advanced funding and credit readiness insights
Best for: Businesses preparing to qualify for business loans, credit lines, equipment financing, and other growth capital.
Nothing is charged, and it does not sign you up for anything.
What monitoring is being built to show.
No more staring at a number with no context: which factors are pulling the score up, which are holding it back, and what to do about each one.
Acme Widgets LLC · Sample dashboard
98/100
Illustrative example. Your own factors and score will depend on your business's actual credit file.
Ready To Give Your Business Its Own Credit History?
A commercial tradeline in your business’s name, reported every month. From $49/month, no credit check, no personal guarantee, no minimum term, and cancelling takes one page.
See The Three LimitsIn plain terms
What you get
- A commercial account opened in your business's legal name
- The on-time payment reported every month it is paid
- A set reported limit: $5,000, $10,000 or $30,000
- Cancellation from your billing portal, in one step, at any time
What you never get
- A credit check, hard or soft, to open it
- A personal guarantee, or your Social Security number as collateral
- A request for your bank login or account connection
- Your details sold, or passed to a lender panel — we take no referral fees
Reporting is not selective. Pay on time and the on-time payment is reported; miss one and that is reported too — a tradeline that only ever showed good months would be worth nothing to the lender reading it.