The fastest way to build business credit from zero. Apply to these vendor accounts, make purchases, and watch your D&B, Experian, and Equifax scores grow in 30–60 days.
Pro Tip — Start With These 5 First
Open Uline, Quill, Grainger, Summa Office Supplies, and Crown Office Supplies in your first month. These report to D&B and establish your Paydex score. Apply to all 5 the same week — each approval builds your profile faster.
All accounts below report to at least one business credit bureau. Sorted by ease of approval.
The #1 starter account. Ships shipping supplies, safety products, and warehouse items. Apply, make a purchase, and they report within 30 days.
Office supplies, ink, toner, and furniture. A Staples company. Approve on first order and report to D&B each month.
Industrial supplies, tools, safety gear. One of the strongest D&B reporters. Used by businesses across every industry.
Logos, brand kits, social media graphics, and marketing materials on Net 30 terms. One of the most popular Tier 1 tradeline accounts — reports monthly to D&B and Experian.
Easy approval for startups. Reports to all 3 business credit bureaus monthly. Buy any office product and get credit reported.
Custom t-shirts, uniforms, and branded merchandise on Net 30 terms. Reports to all 3 bureaus. Great for building early trade lines.
Business cards, letterheads, promotional products. Easy Net 30 approval. Reports to D&B and Experian on net 30 terms.
Business plan writing, bookkeeping, and consulting services on Net 30. Reports monthly to D&B and Experian.
Custom branded t-shirts, hats, and apparel for your business on Net 30 terms. Built specifically for new businesses that need a quick tradeline. Reports to D&B and Experian.
Office products, cleaning supplies, and breakroom items. Specifically designed for businesses with no credit history.
Pay by invoice with Net 30 terms on Amazon Business. Millions of products, fast shipping, and monthly D&B reporting.
Net 30 terms on office supplies, breakroom, and technology. Requires a minimum annual spend but strong D&B reporter.
Contractors, builders, and property owners. Home Depot Pro Account offers Net 30 billing that reports monthly.
Computer hardware, servers, electronics, and accessories on Net 30 terms. Ideal for tech companies and startups.
Industrial furniture, storage, cleaning, and safety products. Strong D&B reporter. Apply online and get approved within 24–48 hours.
Office supplies, furniture, and janitorial on Net 30. One of the original business credit building vendors.
Computer supplies, office electronics, cables, and tech accessories on Net 30. One of the most-recommended Tier 1 vendors for building D&B and Experian trade lines from day one.
Office supplies, tech, furniture, and print services on Net 30. Business account with monthly D&B reporting.
Digital marketing analytics and business reporting tools on Net 30. Reports to Equifax Business and CreditSafe — two bureaus that many other Tier 1 vendors skip. $49/month, easy startup approval.
Nav offers a Net 30 tradeline specifically for business credit building. Subscription reports as a vendor account to all 3 bureaus.
Net 30 fuel cards for vehicles, drivers, and fleets of any size. Many require only your EIN — no personal credit check.
The easiest fleet card for new businesses. No personal guarantee, no hard pull. Approved on EIN alone. Accepted at all major gas stations.
Built specifically for small fleets. No personal guarantee required. Real-time spend controls and accepted nationwide at 45,000+ locations.
Accepted at 95% of U.S. fuel stations. Detailed reporting, driver controls, and mileage tracking. Reports to D&B.
One of the largest fleet card networks. Discount pricing at 50,000+ locations. Per-driver controls and real-time alerts.
Accepted at all Shell locations and many other gas stations. Net 30 billing with purchase controls. Great for fleets fueling primarily at Shell.
Accepted at BP, Amoco, and partner stations. Monthly billing with discounts per gallon and detailed fuel reporting.
Nationwide acceptance at Exxon and Mobil stations. Rebates up to 6¢ per gallon, detailed expense reporting, and online account management.
Net 30 gas card for Chevron and Texaco stations nationwide. Competitive rebates and per-vehicle reporting for fleets of any size.
Universal fleet card accepted at 320,000+ locations. Detailed IFTA reporting, driver PINs, and multi-vehicle management.
Trucking and large fleet specialists. Over-the-road (OTR) capabilities, load advances, and 7,000+ truck stop locations.
Visa prepaid fleet card with real-time controls. No credit check, no personal guarantee. Accepted everywhere Visa is accepted.
FlexControl Fleet Card from U.S. Bank. Accepted nationwide. Detailed reporting and integration with QuickBooks and expense management.
EIN-only corporate card with no personal guarantee. Use for fuel and fleet expenses. Unlimited cards for each driver/vehicle.
No personal guarantee, no credit check. Issue fleet cards to every driver. Brex builds your business credit profile automatically.
Discounted gas at Sam's Club fuel centers nationwide. Business members save 5–8¢ per gallon plus purchase rewards on all Sam's purchases.
The primary business credit bureau. Most lenders pull D&B first. Your Paydex score is built exclusively from vendor payment history.
The second most checked bureau. Many SBA and bank lenders pull Experian. Grow this with Summa, Crown, and Shirtsy accounts.
Banks and commercial lenders use Equifax. Reports All 3 accounts help you grow across all bureaus simultaneously.
Good Year Fund builds your complete credit profile — Net 30s, D&B registration, bank-ready Paydex, Experian, and Equifax — all done for you as part of our Master Blueprint.