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Find Your Path to Business Credit

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Your Action Steps

    Helpful Resources

    This is a general guide based on typical situations. Consult a financial advisor for advice specific to your circumstances.
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    Business Credit Resources

    Funding

    The $0 Revenue Business Credit Playbook

    How to get your first business credit card with zero revenue. The exact sequence — EIN, bank account, net-30 vendors, then card applications — that works in 2026.

    8 min read · By Morgan Ellis
    Legal

    EIN Registration: The 10-Minute Step Everyone Skips

    IRS Form SS-4 takes 10 minutes online and costs $0. Without an EIN, you cannot open business accounts or build credit. Here's exactly how to file.

    5 min read · By Morgan Ellis
    Operations

    Business Banking 101: The Accounts You Need

    Separate business and personal finances from day one. Which banks accept new LLCs, minimum deposits, and why a checking account is step one for credit.

    6 min read · By Morgan Ellis
    Funding

    Net-30 Vendors: Build Credit Before You Need It

    Uline, Grainger, and Quill report to business credit bureaus. Start with 3-5 net-30 accounts and pay early. Your PAYDEX score starts building in 60 days.

    7 min read · By Morgan Ellis
    Funding

    Your DUNS Number: What It Is and Why It Matters

    Dun & Bradstreet assigns your PAYDEX score. Getting a DUNS number is free and takes 30 days. Apply before you need credit — not after.

    4 min read · By Morgan Ellis
    Strategy

    From Secured Card to $50K Limit: A Real Timeline

    One founder's 18-month journey from a $1,000 secured card to $50K in business credit. The exact cards, timing, and credit score milestones.

    9 min read · By Morgan Ellis

    Get the Business Credit Setup Checklist

    A step-by-step checklist covering EIN filing, bank account setup, DUNS registration, net-30 vendor applications, and your first business card application.

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    Frequently Asked Questions

    Can I get a business credit card with no revenue?
    Yes. Many issuers — including Chase, Capital One, and Amex — approve business cards based primarily on your personal credit score, not business revenue. You can report $0 or minimal projected revenue on the application. Your personal guarantee is what secures the card. According to the SBA, 73% of new businesses use personal credit to fund their first year.
    Do I need an LLC before applying for business credit?
    Not strictly — sole proprietors can apply using their Social Security number. However, forming an LLC and obtaining an EIN creates a separate legal entity that builds its own credit profile. This separation protects your personal assets and is required by most commercial lenders. LLC formation costs $50-$500 depending on your state.
    What credit score do I need for a business credit card?
    For unsecured business cards, most issuers want a personal score of 670+. Below 670, secured business cards (like the Wells Fargo Business Secured) accept scores as low as 580 with a refundable deposit. The Discover it Secured reports to business bureaus and has no annual fee. Start there and graduate to unsecured cards within 6-12 months of on-time payments.
    How long does it take to build business credit?
    With consistent activity, you can establish a PAYDEX score within 3-6 months. Start with net-30 vendor accounts (Uline, Grainger) that report to Dun & Bradstreet. Pay early — not just on time — to score 80 instead of 75. After 3-4 tradelines reporting for 90+ days, you qualify for tier 1 business credit cards. A strong profile takes 12-18 months to build.
    What's the difference between personal and business credit?
    Personal credit uses your SSN and is scored by FICO (300-850). Business credit uses your EIN and is scored by Dun & Bradstreet (PAYDEX 0-100), Experian Business, and Equifax Business. Business credit scores payment history with vendors and lenders. Building both in parallel gives you maximum financing options. Business credit inquiries don't affect your personal score.