Business credit · 01
Build credit in the company’s name
A business trade line is an account that reports to the business credit bureaus under your EIN — not under your personal name. Added together over time, they are what turns a brand-new LLC into a business lenders can actually see.
Straight answer
A trade line does not hand you money. It teaches the business credit system who you are.
That is why it comes first. Do this properly for a few months and the conversations that used to end at “your personal credit score” start with your company instead.
Without a trade line
- Every vendor wants to be paid up front, in cash, out of your own pocket.
- A lender sees an LLC with no credit file — which looks like a business nobody has trusted yet.
- When you do need money, the only door open is your personal credit.
- Your personal cards quietly become the company’s working capital.
With one that reports
- A business credit file under your EIN, separate from your personal report.
- Accounts that report every month you pay on time, so the profile compounds.
- Vendor and supplier terms instead of paying for everything before it’s delivered.
- A business that can be looked up and found fundable by someone other than you.
The kinds of accounts
They go in order, and the order matters
You do not start with the big one. You start with the ones your business qualifies for today, let them report, and climb. Robin tells you where you actually stand, not where a sales page says you could be.
Vendor and net-30 accounts
The starting rung. A supplier bills you for goods on thirty-day terms and reports the payment history to the business bureaus.
Store and retail trade lines
Accounts with national suppliers of things you already buy — tools, materials, office and workwear — that report under the business.
Fuel and fleet cards
For anyone running vehicles. A simple one to keep active, and it puts real, recurring spend on the business file.
Business credit-builder accounts
For newer entities with a thin file: accounts built specifically to establish and strengthen the business profile first.
Higher-limit trade accounts
What the ladder leads to once reporting history exists — larger terms with suppliers, and financial conversations that start with the business.
Not sure where you fit?
That is the most common place to start. One short call and Robin will tell you.
(404) 399-4796Next step
Ask about trade lines
Leave your business name and the best number for you. Robin calls, asks a few questions, and tells you which accounts make sense for where you are right now.
Call or text(404) 399-4796