Skip to main content

Search

Support Center

CreditStrong Business

Overview

CreditStrong Business accounts are designed for small business owners who want to establish or build business credit.
 
Each CreditStrong Business plan is interest‑free, meaning your monthly payments go directly toward paying down the balance rather than interest. As you make on‑time payments, your account builds business credit reporting over time.
 
All CreditStrong Business accounts include the following features:
  • Builds 25 or 50 months of payment history, depending on the plan
  • Payments are made by checking account (ACH) only
  • Reports to Equifax, Experian, PayNet, and SBFE
  • Access to the Equifax Delinquency Financial Score in your customer portal
For more information on business credit reporting and scores, see Business Credit Scores & Reporting.

 

What are the benefits of a CreditStrong Business account?

A financial tradeline is an extension of credit from a bank or financing company. Common examples include business loans, commercial credit cards, and equipment financing.
 
Adding positive financial tradelines to your business credit profile can support several important goals.
 

Improved business credit profile

Consistent, on‑time payments can help strengthen your business credit scores over time. A healthier credit profile may improve how lenders and vendors view your business.

 

Increased borrowing opportunities

A stronger business credit profile can make it easier to qualify for financing, higher credit limits, or more favorable terms as your business grows.

 

Establishing business credit history

For newer businesses, financial tradelines help create a documented credit history. This shows lenders and vendors that your business can manage credit responsibly.

 

Supporting business growth

Access to business credit can help support growth opportunities such as expanding operations, purchasing equipment, or managing cash flow.

 

Stronger supplier relationships

A positive credit history can lead to better payment terms with suppliers and service providers, and in some cases may open the door to discounts or extended terms.

 

Risk diversification

Building multiple positive tradelines can help reduce reliance on a single source of financing and improve access to credit during challenging economic periods.

 

Plans and pricing

CreditStrong Business plans vary by term length and monthly payment amount. For the most current plan details and pricing, visit the CreditStrong Business page on our website.

 

If you have questions about whether a CreditStrong Business account is right for your business, or how business credit reporting works, our Support Team is here to help!