The business platform for EIN-based companies
Build business credit with a commercial tradeline.
BizMotus is a complete business platform — an AI assistant, document generator, the Academy, and a vendor marketplace — and every membership builds a commercial installment tradeline: up to 36 months of on-time payments, automatically reporting your payment history to major business credit bureaus under your company’s EIN. 0% interest, no personal guarantee, and no hard or soft pulls.
From $14/mo · 0% APR · cancel anytime · general business education, not financial advice
How it works
One business tradeline. Four easy steps.
Build a premium business credit profile, not just another net 30.
01
Apply with your EIN
Build business credit using your company's EIN. No SSN, no personal guarantee, and no hard or soft pulls.
02
Choose your term
12, 18, 24, or 36 months — all at 0% interest. A longer term builds more months of payment history.
03
Pay your installment
One fixed monthly payment, reported as a financial installment tradeline. No interest, ever.
04
Build the profile
Every on-time payment builds a credit profile that lenders trust. Pay down, pay off, or close your account early — no penalty.
Built for EIN-based businesses.
Build your commercial credit profile with next-gen business tools.
Education sits at the center, surrounded by the tools owners actually use — so you can learn how something works, then go do it without switching apps or paying for five subscriptions.
BizMotus Academy
Structured courses on entity setup, commercial readiness, vendor strategy, and funding readiness — video, audio, transcripts, and quizzes that pace as you advance.
AI assistant
A voice-and-chat assistant that answers business questions in plain language and helps you take action inside your account.
AI document generator
Generate clean business documents from guided templates in minutes — no blank-page guesswork.
Net-30 vendor network
A curated marketplace of net-30 vendors, plus the education on how to evaluate and manage terms responsibly.
Business library
A growing shelf of ebooks and audiobooks on running, financing, and growing your company — read or listen on the go.
Roadmap & progress
A clear, step-by-step plan for your business profile and a simple place to track your progress over time.
Tools and limits vary by plan — see pricing for what’s included in each.
A membership benefit
Your membership reports to the business bureaus.
Every plan includes a bureau-reported business installment tradeline: your on-time membership payments are reported monthly to major business credit bureaus under your EIN — with no personal guarantee and no hard or soft credit pulls.
See exactly what gets reported →Results depend on how you run your business. BizMotus does not lend money and does not guarantee any score, rating, or financing outcome. This is general business information, not financial advice.
What’s reported
- A commercial installment tradeline under your EIN
- On-time monthly payment history
- Reported to major business credit bureaus
- No personal guarantee · no hard/soft pulls
How we compare
Business credit vs. personal credit.
BizMotus builds your business credit file — not your personal score. Here’s how that differs from personal credit-builder products.
| BizMotus (Business Credit Builder) | Personal credit-builder apps (e.g. Kikoff, KovoCredit) | |
|---|---|---|
| Reports to | D&B, Experian Business | Experian, TransUnion |
| Tied to | Your EIN | Your SSN |
| Builds | Business credit file | Personal credit file |
| APR | 0%, fixed term | Varies by provider — check current terms |
| Personal guarantee | Not required | N/A — personal account by design |
| Scoring model | Business-specific (e.g. PAYDEX) — no single unified score | FICO / VantageScore |
| Reporting cycle | Monthly | Typically monthly |
| Who it's for | Business owners building credit separate from personal finances | Individuals building or repairing personal credit |
Competitor details are accurate as of the date of this page’s last review and subject to change. Verify current terms directly with each provider before making decisions. BizMotus does not guarantee any credit outcome. BizMotus is not affiliated with, endorsed by, or sponsored by Kikoff or KovoCredit; their names are used solely for comparison purposes.
Plans & Terms
Plans starting as low as $14/mo.
Pick the term that fits your stage — a longer term means a smaller monthly payment, and higher tiers unlock more tools and higher limits. Every plan is 0% APR.
Starter
Best for new businesses just starting to build business credit from scratch.
reported:$504
Reports to Duns & Bradstreet
AI Document Builder (5 docs/mo)
Score tracking
Business credit roadmap
Starter courses
Voice AI assistant
Ebook library
Referral rewards
Growth
Best for growing businesses ready to accelerate credit progress with stronger reporting.
reported:$1,224
Reports to Experian and Duns & Bradstreet
AI Document Builder (25 docs/mo)
Template library
Net-30 vendor network
Score tracking
Business credit roadmap
Advanced courses
Ebook library
Audiobook library
Voice AI assistant
Referral rewards
Enterprise
Best for established businesses that need custom terms, higher tradeline limits, and white-glove support.
reported:$2,520
Reports to all major business credit reporting bureaus
Unlimited
Template library
Net-30 vendor network
Score tracking
Business credit roadmap
Masterclasses + early access
Ebook library
Audiobook library
Voice AI assistant
Priority support
Referral rewards
Built on education, not hype
“We believe informed owners make better decisions — so we teach how business finance and vendor systems actually work, and we never promise outcomes nobody can promise.”
Most small businesses get sold dashboards, upsells, and jargon. We built the opposite: real tools, education at the center, and payment terms that respect the buyer.
Why BizMotus →How we operate
- Education before everything
- Working tools, not teaser screens
- Fixed terms, 0% APR, real refund window
- Plain-language agreement
Get a commercial tradeline your business can grow on.
Education, tools, and fair terms — built for EIN-based businesses.
Get started →