UNLOCK FUNDING FAST WITH A BUSINESS TRADELINE.
Our business and educational platform automatically reports a commercial installment tradeline to the business credit bureaus—building up to 36 months of continuous, on-time payment history under your company’s EIN. All with 0% interest, no personal guarantee, and no hard or soft pulls.
How it works
ONE BUSINESS TRADELINE. FOUR EASY STEPS.
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.
Not another dead-end subscription. This is a legitimate, bureau-reported business tradeline.
Why a tradeline
BUILD A PREMIUM BUSINESS CREDIT PROFILE,
NOT JUST ANOTHER NET 30.
Net 30 vendor accounts are a start. A reported installment tradeline is the structured, long-term payment history lenders actually weight.
An installment tradeline
All plans build commercial installment-loan credit and payment history — reported as a financial tradeline, not a simple vendor line.
Up to 36 months of history
Choose a longer term to build up to 36 months of continuous, on-time payment history on your business file.
0% interest — always
Establish business credit without paying interest. 12 / 18 / 24 / 36-month terms, every one at a 0% interest rate.
Built on your EIN
No personal guarantee. No SSN underwriting. No hard or soft pulls. Your tradeline belongs to the business.
Reported to the bureaus
Automatic monthly reporting to Experian Business and Dun & Bradstreet — building a credit profile lenders trust.
Pay off, pay down, cancel
Pay off or pay down early with no penalty, or close your account when you choose. Flexibility is built in.
What’s inside
AI-AWARE SOLUTIONS TO SUPPORT YOUR BUSINESS.
The Academy
Structured, expert-built courses on entity setup, vendor relationships, commercial credit education, and funding readiness — with video, audio, and quizzes.
AI business assistant
A built-in assistant that knows your account — ask about your plan, your documents, your next step, anything.
AI document generator
Operating agreements, letters, policies, and the business documents you actually need — generated from your real business details.
Net-30 vendor marketplace
A curated catalog of vendors and business services matched to your stage — find suppliers that work with new businesses.
Business library
Ebooks, audiobooks, templates, and practical guides — a complete reference shelf inside your membership.
The new way to pay
One fixed monthly payment at 0.00% APR. A 30-day full-refund window, early payoff anytime with zero penalty.
Plans & Terms
PLANS STARTING AS LOW AS $14/MO.
Pick the term that builds business credit history to match your growth goals. Longer terms build more payment history, while higher tiers report larger tradeline limits to match your company's scale.
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
FAQ
STRAIGHT ANSWERS.
Is this a business tradeline?
Yes. Every plan builds a commercial installment-loan tradeline — your payment history is reported as a financial tradeline to the major business bureaus (Experian Business and Dun & Bradstreet), not just a Net 30 vendor line.
Will it affect my personal credit?
No. There are no hard or soft pulls and no personal guarantee. Your membership is established with your business's EIN — we verify the business (KYB), not your personal finances.
How long is the payment history?
Up to 36 months. Choose a 12, 18, 24, or 36-month term — the longer the term, the more continuous on-time payment history you build on your business file.
Is there interest?
No. Establish business credit for your company without paying interest. Every term is offered at a 0% interest rate — one fixed monthly installment, no surprises.
Can I cancel or pay off early?
Yes — a 30-day, no-questions-asked cancellation with a full refund. After that you can pay off, pay down, or close your account early at any time with no prepayment penalty.
What do I need to start?
A formed U.S. business with an EIN and a business bank account. That's it — no SSN-based underwriting and no personal guarantee.
BUILD A BUSINESS TRADELINE YOUR
BUSINESS GROWS ON.
Long-term installment credit, reported under your EIN. 0% interest. Plans from $14/mo.
Get started →