Strong business credit separates your company from your personal finances — and unlocks bigger, cheaper funding over time.
The short version
- ✓Set up the basics: entity, EIN, business bank account.
- ✓Open accounts that report to business bureaus.
- ✓Pay early and keep utilization low.
Lay the foundation
- Form your entity and get an EIN.
- Open a dedicated business bank account.
- Get a D-U-N-S number and keep your details consistent.
Build a positive history
Start with vendor accounts and a business card that report to the commercial bureaus. Pay on or before the due date, every time.
Grow responsibly
Keep balances low relative to limits, add accounts gradually, and your profile will steadily open better terms.
QF
Written by the Qualify Finance Team
We help small business owners understand funding options, strengthen their profile, and get matched to the right lender — across every credit profile.