💼 How to Build Business Credit and Unlock Funding in 6 Simple Steps
Every successful business needs capital to grow — but most owners don’t realize they can access funding without using personal credit.
At Kridet Solutions, we help entrepreneurs and small business owners unlock real funding by building strong business credit profiles. Whether you’re just starting or want to scale, here’s a step-by-step breakdown to get you funded the right way.
✅ Step 1: Set Up Your Business Properly
Before you apply for any funding, lenders want to see that your business is real and legit.
- Form an LLC or Corporation
- Get a Business EIN from the IRS
- Open a Business Bank Account
- List your business on Google and directories like Yelp, BBB, etc.
Pro Tip: Your business info must match exactly across all platforms (name, address, phone).
✅ Step 2: Establish Business Credit Profiles
You can’t build business credit until credit bureaus know you exist. Register with:
- Dun & Bradstreet (D-U-N-S Number)
- Experian Business
- Equifax Business
✅ Step 3: Open Net-30 Vendor Accounts
Start building your score with starter vendor accounts that report to business credit bureaus.
Trusted vendors include:
- Uline
- Grainger
- Quill
- Summa Office Supplies
Make small purchases and pay early — this builds a positive payment history.
✅ Step 4: Get a Business Credit Card
Once you have a few trade lines reporting, apply for a business credit card using your EIN (not your SSN).
This helps you:
- Build available credit
- Separate personal and business finances
- Prepare for high-limit lines and loans
✅ Step 5: Monitor and Maintain Your Credit
Check your business credit monthly using tools like Nav or CreditSuite. Watch out for:
- Inaccurate data
- Late payments
- Unreported vendor accounts
Or let Kridet Solutions do it for you — we’ll keep you funded and protected.
✅ Step 6: Apply for Business Funding
With good credit built, you can access:
- Business Credit Cards
- Lines of Credit
- Revenue-Based Loans
- Equipment Financing
- Business Grants and more
Good news: You don’t need perfect personal credit. Business credit opens more doors, often with better terms.
🚀 Ready to Get Funded?
You don’t have to figure it out alone. Let Kridet Solutions help you build the credit profile you need to grow and secure funding.