Grow your business with our proven credit-building strategies!

AMERICA CREDIT CARE’s business credit building service goes beyond improving business credit scores—we empower business owners to build comprehensive financial ecosystems that drive sustainable growth and unlock funding opportunities that were previously out of reach.

FAQs 

Why should entrepreneurs build business credit?

Building business credit isn’t just smart—it’s a necessity for sustainable growth. It opens doors to better small business funding options with favorable terms, which in turn lowers the cost of running your business. Lower expenses mean higher profits and more room to reinvest in what matters most.

A strong credit profile also improves your credibility with suppliers and vendors. It can secure better trade credit terms and give you quick access to business lines of credit when the unexpected happens. 

Vendors, potential partners, and even customers often check your credit score before committing—it’s your silent advocate in every deal.

Solid business credit also limits your personal financial exposure. It separates personal liability from your business and allows you to access better financing options to scale your operations.

Can I build business credit if I’m just starting?

Yes! Our business credit building services are designed for startups and established businesses alike.

What are vendor accounts, and how do they help?

Vendor accounts are partnerships with companies (e.g., retailers) that report payments to commercial credit bureaus. Trade credit from vendor accounts can help you build business credit, but only if they report payments. Not all vendors and creditors report to business credit bureaus, so it is important to work with vendors that do report to these bureaus.

AMERICA CREDIT CARE has researched hundreds of vendors that report to business credit bureaus. We use this research to advise clients on the right vendors to work with.

How does a business credit score differ from a personal credit score?

While both business and personal credit scores measure how well someone manages debt, they are separate and distinct. 

Business credit scores and reports are maintained by commercial credit bureaus like Experian, Dun & Bradstreet, and Equifax; they evaluate factors specific to businesses, such as payment history with vendors, credit utilization on business accounts, and the company’s size and time in business. 

Business credit is tied to a company’s Employer Identification Number (EIN) or D-U-N-S number, while personal credit is linked to an individual’s Social Security Number (SSN). However, business credit card use can impact your personal credit score if the card issuer reports payment activity to consumer credit bureaus. 

Lenders and suppliers often look at both personal and business credit when making decisions.

How long does it take to establish business credit ?

With consistent effort and our guidance, many clients see progress within three to six months. It can take about a year to establish a business credit history because commercial credit bureaus need enough data to generate a credit score for the business.