How to Build Business Credit Fast
Start from scratch and establish strong business credit in 90 days
90 Days
To Build Credit
5 Steps
Simple Process
$250K+
Funding Potential
Quick Start Checklist
1
Get an EIN
Free from IRS, takes 5 minutes online
2
Register Your Business
LLC or Corporation with your state
3
Get a Business Phone
Separate from personal, listed in 411
4
Open Business Bank Account
Major bank, keep it active
5
Get a DUNS Number
Free from Dun & Bradstreet
Starter Vendor Accounts
These vendors report to business credit bureaus and approve new businesses easily
Uline
Credit Limit:$500+
Approval:Easy
Timeline:Same day
Quill
Credit Limit:$300+
Approval:Easy
Timeline:24 hours
Grainger
Credit Limit:$1,000+
Approval:Moderate
Timeline:2-3 days
Amazon Business
Credit Limit:$5,000+
Approval:Easy
Timeline:Instant
Office Depot
Credit Limit:$500+
Approval:Easy
Timeline:Same day
Home Depot
Credit Limit:$1,000+
Approval:Moderate
Timeline:1-2 days
Your 90-Day Timeline
Days 1-30
Foundation Phase
- ✓Complete business setup checklist
- ✓Open vendor accounts
- ✓Make small purchases on NET-30 terms
- ✓Pay everything on time
Days 31-60
Building Phase
- ✓Add 3-5 more vendor accounts
- ✓Increase purchase amounts
- ✓Apply for first business credit card
- ✓Monitor your D&B credit file
Days 61-90
Growth Phase
- ✓Apply for higher-limit cards
- ✓Request credit limit increases
- ✓Add fleet cards (gas, office supplies)
- ✓You now have established business credit!
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