Business Credit
Understanding Business Credit & How It Can Help You Leverage Your Business
Business credit is a financial profile created specifically for your business, separate from your personal credit. Just like individuals have credit reports and scores, businesses can establish their own credit history through agencies like Dun & Bradstreet, Experian Business, and Equifax Business.
Building strong business credit involves registering your business properly (with an EIN and DUNS number), establishing trade lines with vendors, and using business credit responsibly. Over time, your business can qualify for its own lines of credit, credit cards, loans, and vendor accounts—often without the need for a personal guarantee.
Benefits of Business Credit:
Protects personal credit
Keeps business and personal finances separate, reducing personal liability.
Increases borrowing power
Access larger funding opportunities that may not be available personally.
Improves cash flow
Use credit to manage expenses, cover short-term gaps, and invest in growth.
Builds credibility
A strong business credit profile makes your company more attractive to lenders, suppliers, and partners.
Enables scaling
With higher credit limits and vendor relationships, you can grow faster without relying solely on personal funds.
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Understand business credit and business scores as well as some options to build/establish lines of credit.
