Service 05 · 4–8 weeks (setup); scores build over months
Business Credit
Business credit files, a D-U-N-S number and reporting tradelines — so the company can borrow on its own record.
- Verified Experian and Dun & Bradstreet business profiles
- A free D-U-N-S number for vendors and government work
- 2–3 net-30 vendor accounts that report to the bureaus
- A reporting business tradeline with low utilisation
Fixed scope, a price you approve up front, and a written proposal before any work begins.
Book a free consultation
30 minutes, no obligation. We'll confirm scope, timeline and the exact price for business credit.
Why it matters
What this looks like when it's left undone
The gaps business credit closes — the ones that quietly cost you deals, time and sleep.
- 01
Every dollar rides on your personal guarantee
If the business needs money, your house and your personal score are on the line every time.
- 02
The business has no credit file at all
Lenders and vendors have nothing to look at, so you're stuck with deposits and prepayment.
- 03
You opened accounts that don't report
Paying on time means nothing if the vendor never sends it to Experian or Dun & Bradstreet.
How it works
What working together actually looks like
- 1
Foundation check
We confirm the entity, EIN, address and phone are consistent everywhere — the thing that quietly blocks credit files.
- 2
Open the files
We establish your Experian and Dun & Bradstreet business profiles and register a free D-U-N-S number.
- 3
Reporting tradelines
We open 2–3 net-30 vendor accounts that report, plus a starter tradeline kept at low utilisation.
- 4
Build & monitor
You get a payment cadence to follow and quarterly monitoring so a score actually forms over the next months.
At a glance
Business Credit by the numbers
- $850
- starting price
- 4–8 wk
- files established
- 2–3
- reporting tradelines
- $0
- for the D-U-N-S number
- 4–8 weeks (setup); scores build over months
- typical timeline
What's included
Everything Business Credit covers
Personal guarantees put your own assets on the line. IPELLO helps you establish business credit files, register a D-U-N-S number and open vendor accounts and tradelines that report — so the company can borrow on its own record.
Experian Business Profile
Open and verify your Experian business credit profile so lenders can find the business.
Obtain Dun & Bradstreet Number
Request a free D-U-N-S Number – required for many vendor accounts and government contracts.
Net-30 Account
Open 2–3 vendor accounts that report to the business bureaus and pay early.
Business Tradeline
Add a business credit card or line of credit that reports, and keep utilization low.
The result
What you walk away with
Concrete deliverables you own at the end — not a folder of advice.
- Verified Experian and Dun & Bradstreet business profiles
- A free D-U-N-S number for vendors and government work
- 2–3 net-30 vendor accounts that report to the bureaus
- A reporting business tradeline with low utilisation
Who it's for
Business Credit is a fit if…
- Owners tired of personally guaranteeing every lease and card
- Businesses that want vendor terms instead of prepayment
- Founders planning to apply for funding in 6–12 months
Not sure business credit is the right next step?
Book the free 30-minute call — we'll tell you honestly whether you need it yet.
A year in, the business has its own Paydex score and two vendors gave us net-30 without asking me to sign personally. That was the whole point.
Illustrative of a typical engagement.
The difference
Doing it yourself vs. doing it with IPELLO
| On your own | With IPELLO | |
|---|---|---|
| Personal risk | Personal guarantee on everything | A path to borrowing on the business's own file |
| D-U-N-S | Applied, waited, gave up | Registered and verified |
| Vendor accounts | Opened three — none of them report | Only accounts that report to the bureaus |
| Follow-up | No idea what your business score is | Quarterly monitoring with dispute support |
Every business credit engagement is fixed-scope with a written proposal and a price you approve before any work begins.
Kept honest
What this price does not cover
Government fees, advertising spend, software subscriptions and third-party professional fees are billed separately unless your proposal explicitly includes them.
- Any deposits, membership or vendor fees required to open accounts
- A guaranteed credit line, loan approval or funding amount
- Personal credit repair or dispute services
Frequently asked
Good questions
The goal is the opposite — separating the two. Some early accounts still ask for a personal guarantee; we tell you which.
Want the full detail? Read the Business Credit service page.
Ready to start business credit?
Book a free 30-minute consultation. We'll map the exact scope, timeline and price for your situation — one accountable partner, start to finish.