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Form Your Business Entity
Before you can build business credit you need the right business entity. An LLC or Corporation is required — sole proprietors cannot build true business credit.
Zen Business
Form your LLC fast and affordably. Zen Business handles all the paperwork and filing so you can focus on building your business.
Starting at $0+State fees
Northwest Registered Agent
Premium LLC formation with registered agent service and privacy protection. Trusted by thousands of business owners.
Starting at $39 + State fees
Open Business Bank Account
A dedicated business bank account is non-negotiable for building business credit. Your account must be in your business name and completely separate from your personal finances.
Bluevine Business Checking
Free business checking with no monthly fees, no minimum balance, and up to 2% APY on your balance. Perfect for new and established businesses.
Free to open
Mercury Bussiness Banking
Modern business banking built for startups and small businesses. No fees, no minimums, and powerful money management tools.
Free to open
Get A Business Phone Number
A dedicated business phone number is required for fundability. It must be listed consistently across all your business registrations and directories — never use a personal cell phone as your business number.
Grasshopper
Get a dedicated business phone number that works on your existing cell phone. Professional call handling, voicemail transcription, and multiple extensions.
Starting at $14/mo
Open Phone
Modern business phone system with a dedicated number, team messaging, and call recording. Perfect for solo business owners and small teams.
Starting at $13/mo
Secure A Business Address
A professional business address is required for fundability. You cannot use a P.O. box or your home address. A virtual office gives you a real street address that satisfies all vendor and lender requirements.
Ipostal1
Get a real street address for your business at a professional location. Mail scanning, forwarding, and a credible business address that satisfies all fundability requirements.
Starting at $9.99/mo
Regus Virtual Office
Premium virtual office addresses at prestigious business locations nationwide. Includes mail handling and access to meeting rooms when needed.
Starting at $49/mo
Monitor Your Business Credit
Monitoring your business credit scores is essential throughout the credit building process. You need to know when vendors report, when your scores change, and catch any errors immediately.
Nav Business
The only platform that monitors all three major business credit bureaus in one place — D&B, Experian Business, and Equifax Business. See your PAYDEX score, Intelliscope, and Equifax Business score all in one dashboard.
Free plan available — Paid plans from $49.99/mo
Access Funding & Capital
Once your business credit profile is established you can access real funding with no personal guarantee. These are our recommended funding partners for Tier 3 and Tier 4 clients.
ARF Financial
Revolving lines of credit up to $500K for established businesses. No personal guarantee required for qualified businesses. Our highest recommended funding partner.$10K–$500K revolving credit
Bluevine Credit Line
Business lines of credit up to $250K for businesses with $480K+ annual revenue. Fast approval and flexible draw terms.
Up to $250K
Fundbox
Fast business lines of credit up to $150K for businesses with 3+ months history and $30K+ annual revenue. Same day approval available.
Up to $150K
Affiliate Disclosure
Some links on this page are affiliate links. FundabilityHQ may earn a small commission when you sign up through our links at no extra cost to you. We only recommend tools and services we have personally vetted and that our clients actually use to build business credit. Your trust means everything to us.