Guides
Straight Answers About Business Credit
Written for the stage before you buy anything. Nothing here is gated, and where the honest answer is unflattering to us, it says so.
How Long Does It Take To Build Business Credit?
Expect the first reported tradeline to appear on your file within one to two reporting cycles — roughly 30 to 60 days from the account opening — and expect a lender to take the file seriously somewhere between 12 and 24 months later. The gap between those two numbers is the part nobody sells you on, and it is the part that decides whether this works.
Read →8 min readBusiness Credit Scores Explained: PAYDEX, Intelliscore And FICO SBSS
There is no single business credit score, which is why the question is harder than its consumer equivalent. Three models matter in practice — Dun & Bradstreet's PAYDEX, Experian's Intelliscore Plus and FICO's SBSS — they run on different scales, they measure different things, and a lender pulls whichever one it has a contract with.
Read →6 min readDoes Business Credit Affect Your Personal Credit?
Usually not directly — a business tradeline reported to a commercial bureau does not appear on your consumer report. But the wall leaks in four specific places, and every one of them is something you signed or can check. Knowing which four is more useful than the general reassurance most articles offer.
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