Finance
Business credit
Business credit is a company's own borrowing reputation, recorded by commercial bureaus such as Dun & Bradstreet, Experian Business and Equifax Business. It is built by opening accounts that report payment behaviour and paying them on time or early.
In plain terms: Your company's credit reputation, separate from your personal one.
Why it matters
Only accounts that actually report to a bureau build it, which is the detail the business-credit industry tends to skip. Expect six to twelve months of reported history before a company qualifies for meaningful credit without a personal guarantee.
Common misunderstanding
Believing an EIN alone unlocks credit. Lenders want reported history and verifiable revenue.
Read the full guideBusiness credit and funding