First 90 days: Build credit and a home baseStep 14 of 25
Build business credit
Business credit lets your company get loans, equipment financing and supplier terms without leaning only on your personal credit.
- Get a free D-U-N-S Number from Dun & Bradstreet. It creates your business credit file.
- Use the exact same business name, address and phone number everywhere (bank, IRS, state, website, listings).
- Open accounts with suppliers that offer net-30 terms and report payments to business credit bureaus.
- Get a business credit card, keep balances low and pay on time or early.
- Check your business credit reports with Dun & Bradstreet, Experian Business and Equifax Business.
CostFree to startKey habitPay early
This playbook is general information, not legal, tax or financial advice. Rules change, so confirm details with a licensed professional. Last reviewed September 2026.