Built for Founders Who Mean Business
Where Serious Entrepreneurs Come to Grow.
BizMotus is an all-in-one business platform: a personal AI assistant, document generator, learning academy, and vendor marketplace. Your membership is a fixed-term commercial account, so we report your monthly payment history to the major business credit bureaus under your company's EIN.
From $14/mo · no interest, no finance charges · 30-day refund · general business education, not financial advice
How it works
One membership builds your business and your credit profile in four easy steps.
Build a reported commercial account under your EIN, not just another net-30.
01
Sign up as your business
Your membership is opened in your company's name, using its EIN. We run a standard business verification (KYB) to confirm the entity is real and in good standing. Because nothing is being lent, there's no personal credit check involved.
02
Choose your term
12, 18, 24, or 36 months, none of them carrying 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 history
Every on-time payment adds to your business's payment history. How lenders and vendors weigh that history is their decision. Pay down, pay off, or close your account early, no penalty.
Built for EIN-based businesses.
Generative AI powers every tool your business needs.
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, with 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. The account is opened in your business’s name, and because nothing is being lent, there’s no personal credit check involved.
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
How they differ
Business credit vs. personal credit: how they differ.
BizMotus builds your business credit file, not your personal score. Here’s how that differs from personal credit-builder products.
| Built for your EIN BizMotus (Business Credit Builder) | Personal Credit Builders (e.g. Kikoff, KovoCredit) | |
|---|---|---|
| Reports to | D&B, Experian Business | Experian, TransUnion |
| Account holder | Your business (EIN) | An individual (SSN) |
| Builds | Business credit file | Personal credit file |
| Interest | None, 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. No plan carries interest or finance charges.
Starter
Best for new businesses just starting to build business credit from scratch.
reported over term:$504
This is what you pay over the plan, reported as payment history, not a credit line or spending limit.
Reports to Duns & Bradstreet
AI Document Builder (5 docs/mo)
Business credit score tracking
Business credit roadmap
Starter courses
Voice AI assistant
Ebook library
Growth
Best for growing businesses ready to accelerate credit progress with stronger reporting.
reported over term:$1,224
This is what you pay over the plan, reported as payment history, not a credit line or spending limit.
Reports to Experian and Duns & Bradstreet
AI Document Builder (25 docs/mo)
Template library
Net-30 vendor network
Business credit score tracking
Business credit roadmap
Advanced courses
Ebook library
Audiobook library
Voice AI assistant
Enterprise
Best for established businesses that need custom terms, higher tradeline limits, and white-glove services.
reported over term:$2,520
This is what you pay over the plan, reported as payment history, not a credit line or spending limit.
Reports to all major business credit reporting bureaus
Unlimited
Template library
Net-30 vendor network
Business credit score tracking
Business credit roadmap
Masterclasses + early access
Ebook library
Audiobook library
Voice AI assistant
Priority support
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, no interest, real refund window
- Plain-language agreement
Get a commercial tradeline your business can grow on.
A complete business platform: the Academy, an AI assistant, document generation, and a vendor network, built for EIN-based businesses. Every plan comes with fixed terms, no interest, and an agreement written in plain English.
Get started →