Establish strong business credit for better funding options
Separate your personal and business finances. Build a credit profile that opens doors to better rates, higher limits, and funding opportunities—without relying on your personal credit.
Learn the fundamentals of building credit for your business
The Paydex score is Dun & Bradstreet's business credit score, ranging from 0-100. It measures your business's payment history with vendors and suppliers.
Business credit is separate from your personal credit score. Building business credit protects your personal assets and opens new opportunities.
Strong business credit unlocks better funding options, lower interest rates, and higher approval odds for loans and credit lines.
Follow our tiered approach to establish strong business credit
Start here to establish payment history
Pro Tip: Order small items and pay early (before 30 days) to establish excellent payment history quickly.
Progress to revolving accounts
Note: These may require approval. Build your Paydex score first with Net 30 accounts for better approval odds.
Accelerate your credit building
Buying vs. Building: Purchasing seasoned tradelines can accelerate your credit, but building organically is more sustainable. We recommend starting with Net 30 accounts.
Your Paydex score is the most important metric for business credit. It ranges from 0-100 and is based entirely on your payment history with vendors. The higher your score, the better your access to funding and favorable terms.
A Paydex score of 80+ is considered excellent and signals to lenders that you pay your bills on time or early. This opens doors to better interest rates, higher credit limits, and more approval opportunities.
Best rates, easy approval. Pays early or on time consistently.
Standard rates. Acceptable payment history with minor delays.
May need personal guarantee. Some payment issues reported.
Rebuild recommended. Significant payment issues present.
Comprehensive support to build and optimize your business credit
We help you establish the right tier accounts in the correct order to build your business credit foundation properly.
Get personalized Net 30 account recommendations based on your business type, industry, and current credit situation.
Strategic guidance to improve your Paydex score quickly and maintain excellent business credit standing.
Ongoing monitoring of your business credit profile to catch issues early and maintain strong credit health.
Start today and open doors to better funding opportunities.