What's Your Business Credit Stage?
Nine questions, about ninety seconds. You'll get a specific stage and a short list of what to do next — not a generic "build your credit" answer.
How This Is Scored
Foundation items (LLC, EIN, bank account, DUNS) carry the most weight early on, since nothing else builds correctly without them. Trade lines and a business card carry more weight in the middle stages. Revenue consistency and personal guarantee tolerance shape whether you're ready to deploy capital at scale, or should keep building the file first.
The Four Stages, in Brief
- Stage 1 — Foundation: LLC, EIN, bank account, DUNS number.
- Stage 2 — Vendor Credit: Net-30 accounts open and reporting.
- Stage 3 — Revolving Credit: A business credit card approved in the business's name.
- Stage 4 — Capital Deployment: Consistent revenue, ready to fund inventory or growth at scale.
See the full guide to building through each stage → | Compare your options once you know your stage →
This is informational, not financial advice. Vendor terms, card offers, and bureau reporting policies change, and a general guide can't account for your specific credit history or business situation. Confirm current terms directly with the issuer or vendor before applying. See our editorial policy for how we verify what we publish.