A credit profile tied to your company’s legal entity, separate from your personal credit history.
What is a Business Credit?
Business credit refers to a company’s ability to borrow money, access financial products, or obtain trade terms based on its own creditworthiness—independent of the owner’s personal credit. Once a business is formed as a separate legal entity (such as an LLC or corporation) and has an EIN (Employer Identification Number), it can begin to build a credit profile with business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business.
A strong business credit profile can help a company secure better financing terms, supplier credit, insurance rates, and even lease agreements without relying solely on the owner’s personal guarantees. Vendors and lenders may check your business credit score before extending credit lines or approving applications.
Building business credit typically involves:
- Registering with business credit bureaus (e.g., obtaining a D-U-N-S Number)
- Opening business bank accounts
- Paying bills on time
- Using business credit cards
- Working with vendors or lenders that report payment history
Unlike personal credit, which is protected by privacy laws, business credit profiles are often public or accessible by partners, vendors, and institutions. Establishing and maintaining good business credit is key to long-term growth, financial flexibility, and credibility—especially for startups, international founders, and those seeking to scale.
