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7 Vendors to Build Business Credit With No Personal Credit Check or Guarantee

Are you looking for business credit and financing to help your business grow?


Did you know that you can immediately get vendor business credit accounts that are linked to your EIN not your SSN even if you have bad personal credit now? We have the vendors you can actually use to build your initial business credit profile and score.




They sell shipping, packing and industrial supplies, and they report to Dun & Bradstreet and Experian. You MUST have a D-U-N-S number and an EIN before starting with them. They will ask for your business bank information. Your business address must be uniform everywhere.


You need for an order to be $50 or more before they’ll report it. Your first few orders might need to be prepaid initially so your company can get approved for Net 30 terms.


How to apply with them:

  • Add an item to your shopping cart

  • Go to checkout

  • Select to Open an Account

  • Select to be invoiced


They sell office, packaging, and cleaning supplies. And they also sell toner, office furniture, and even shipping and school supplies. They report to Dun and Bradstreet every quarter.


To apply, you MUST have a D&B PAYDEX score. If not given a Net 30 they will ask you to do prepaid orders of $100.00. Normally any prepaid order won’t report but you would need them to have given you a Net 30 account. Net 30 accounts require $50.00 purchase to report.


New business or businesses with no credit history may need to prepay purchases until Net 30 is approved. Terms are Net 30.


Here’s how to qualify:

  • Your business entity must be in good standing with the applicable Secretary of State

  • You must have an EIN and a D-U-N-S number

  • Business address (matching everywhere)

  • Business license (if applicable)

  • A business bank account


They sell hardware, power tools, pumps and more. They also do fleet maintenance.

To qualify, you need the following:

  • A business license (if applicable)

  • An EIN number

  • A business address matching everywhere

  • A business bank account

  • A DUNS number from Dun & Bradstreet

Your business entity must be in good standing with the applicable Secretary of State. If your business doesn’t have an established credit, they will require additional documents like accounts payable, income statement, balance sheets, and the like.



They report to: D&B, Experian, and Equifax. Get up to $50,000 in purchasing power. They will debit your account on a schedule you set. This is based on business checking account history.


Behalf has an internal scoring system. You must have business bank account, in good standing, without negative postings. They will pull a soft personal inquiry.


To qualify, you need:

  • An EIN

  • To have your business entity squared away (corporation, partnership, LLC, etc.) and in good standing with the applicable Secretary of State

  • Business address (matching everywhere)

  • Business license (if applicable)

  • A D-U-N-S number

  • A business bank account


They offer technology training and tech support. A credit limit will start at $1000 for new businesses. It increases by an $500 increment if balances are paid in full and on time. They report to Experian and Credit Safe.


To qualify, you need:

  • An EIN

  • To have your business entity squared away (corporation, partnership, LLC, etc.) and in good standing with the applicable Secretary of State

  • Business address (matching everywhere)

  • Business license (if applicable)

  • A D-U-N-S number

  • A business bank account


Get fleet cards from WEX, to repair and maintain the vehicles your business uses. They report to D&B, Equifax, and Experian.

  • Terms are Net 22 but they can extend to Net 30

  • You can provide a deposit of $500 in lieu of a personal guarantee if you have been in business for less than one year

  • Fleet cards come with a rewards program

  • Before applying for multiple accounts with WEX Fleet cards, leave enough time between applications so they don’t red flag your account for fraud


They are a multinational source of dependable labor for companies in a variety of industries. They put people to work and enable their clients to achieve greater success. They report to D&B and Experian. Terms are Net 7, Net 15, and Net 30.


To qualify, you need to have:

  • An entity in good standing with Secretary of State

  • EIN number with IRS

  • Business address (it must match everywhere

  • D-U-N-S number

  • Business license (if applicable)

  • A business bank account



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