Business Credit Basics
6 min read
Why business credit exists
Business credit (Dun & Bradstreet PAYDEX, Experian Business, Equifax Business) lets your company borrow without every account touching your personal report. It starts with an EIN, a legal entity, and a business bank account.
The starter ladder
Net-30 vendor accounts that report → a business credit card → small business lines of credit. Each rung reports payment history that builds your business profile.
Keep it separated
Personal guarantees blur the line — many business cards still check personal credit. Know which accounts report where before applying.
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