What is business credit?

Business credit is a credit profile tied to your business's Employer Identification Number (EIN) rather than your Social Security number. It lets lenders, suppliers, and vendors evaluate your business's financial reliability separately from your personal credit history.

How much does Tradeline Coach cost?

Tradeline Coach is a one-time $297 purchase. This unlocks all four credit tiers (Tiers 1-4), the application preparation assistant, progress tracking, and a seat in the live Business Credit Class. There is no subscription and no recurring fee — lifetime access.

What is a net-30 account?

A net-30 account is a vendor tradeline that gives you 30 days to pay an invoice after receiving your goods or services. When the vendor reports your payment activity to a business credit bureau like Dun & Bradstreet, your on-time payments help build your business credit file.

What is a Paydex score?

A Paydex score is Dun & Bradstreet's business credit score, ranging from 0 to 100. A score of 80 or higher means you typically pay your bills on time or early. Many vendors and lenders look for a Paydex of 80+ before extending larger credit lines.

Do I need a D-U-N-S number?

A D-U-N-S number is a unique nine-digit identifier for your business issued by Dun & Bradstreet. Many net-30 vendors and business credit card issuers require one before approving your application. You can request one directly from Dun & Bradstreet at no cost.

Does this hurt my personal credit?

Building business credit separately from personal credit is the goal. Some vendors and card issuers require a personal guarantee, which may involve a personal credit check. Tradeline Coach flags which vendors are known to require a personal guarantee so you can decide before applying.

How long does it take to build business credit?

Most businesses see initial reporting within 30 to 60 days of opening their first net-30 accounts. Building a strong file with multiple reporting tradelines typically takes 6 to 12 months of consistent, on-time payments. Results vary based on your business profile and vendor reporting schedules.

Is this credit repair?

No. Tradeline Coach is an educational tool that teaches you how to build business credit step by step. It is not a credit repair service, does not dispute items on your credit report, and does not guarantee approval for any account or specific credit outcomes.

Tradeline Coach — Build Business Credit Step by Step

A guided platform with a business profile builder, a 4-tier credit ladder with 38 vendor accounts, an application assistant, and a live business credit class.

Start free: Business Profile + your first tradeline.

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How it works

Build your Business Profile

Enter your legal name, EIN, D-U-N-S number, and address once. The app saves everything so every application is faster and more accurate.

Climb the 4-tier credit ladder

Start with net-30 starter accounts, then unlock established vendor accounts, fleet and fuel cards, and business credit cards across 38 vendor accounts.

Apply with confidence

The Application Assistant shows your saved fields with copy-to-clipboard, plus why each field matters and what to avoid.

Full App + Live Class

$297 one-time

All 4 credit tiers with 38 vendor accounts, the application assistant, and a seat in the live Business Credit Class. No subscription — lifetime access.

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Agency License

$199/year

Includes 2 client seats. Extra seats: $67 each. Agencies set their own client price, with a minimum resale price of $197 per seat.

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