How to build business credit in 30 days

Tier 1: Establish Initial Credit Accounts To begin building your business credit, you will need

to set up three accounts with vendors that offer Net 30, Net 60, or Net 90 payment terms. Once

your accounts are established, make timely payments. Once your business receives a Paydex

score of 80 or higher, you will be ready to move to the next tier.

It is crucial to follow this step carefully and ensure that your profile is strong enough to be

approved for larger credit limits in subsequent tiers. Avoid skipping or mixing steps, as this could

hinder your progress.

Tier 2: Apply for the Nav Prime Account Next, open a Nav Prime account and apply for the

Nav Prime Card. This will add two tradelines to your business credit profile, further

strengthening your bussiness credit foundation. You can learn more and apply here: Nav Prime

Account.

Tier 3: Apply for Retail Store Credit In Tier 3, apply for retail store credit with vendors such as

Lowe’s, Home Depot, Sam’s Club, and Floor & Decor. Before moving to the next tier, ensure

that these vendors report your credit activity to your business credit report.

Tier 4: Apply for Gas Cards Once Tier 3 is complete, apply for gas cards from vendors like

Chevron, Shell, and BP. These will further diversify your credit profile and contribute positively to

your business credit score.

Tier 5: Apply for Store and Fintech Credit Cards At this stage, you can apply for higher-limit

store and Fintech credit cards, such as the Sam’s Club Mastercard, Amazon Mastercard, and

other Fintech credit cards. By this point, you should be approved for at least $5,000 or more in

credit.

Tier 6: Secure Business Funding or Vehicle Financing Finally, with a strong business credit

profile in place, you will now be ready to apply for business funding or purchase a vehicle

without requiring a personal guarantee (no PG).