You must start a business credit profile and qualify with initial providers. Initial providers are those who will give you initial credit even if you have no credit, score, or business lines now.

Most stores like Staples will NOT give you start-up credit, so DO NOT try to apply for it.

Here are some awesome starter provider accounts to consider:

Laughlin Associates handles corporate configuration and compliance. Report to Experia. Only the 411 listing and EIN are required. Reports in 30-60 days and 30 net terms.

Quill office supplies, office supplies, packing and cleaning. Inform D&B. You must place the initial order first unless a D&B score is established.

They will typically put you on a 90-day prepay schedule. If you order items every month for three months, you’re usually approved for a Net 30 account.

Gemler’s, supplies and work products. Inform D&B. Place an initial order over $50 and select the “Bill Me” option.

They will pull credit. If not approved, please prepay for the order and continue shopping and choosing the “billing me” option until approved for Net 30 account.

Reliable office supplies, office supplies and promotional products. Report to D&B, Experian and Equifax.

Place the initial order, then request that your order be billed or invoiced to your company. They will pull on your credit.

If it’s not approved, keep ordering and requesting to be billed or invoiced. The more orders you place, the better your chances of being approved for Net 30 terms.

Uline shipping supplies, shipping, packaging and industrial supplies and reporting to D&B. You must have your DUNS number.

They will ask you for two references and a bank reference. First few orders may need to be paid in advance to get initial approval for net 30 terms.

Monopolize your market, everything you need to know about marketing and business 10 CD audio set. Report to Experian and a real startup account.

At checkout, choose the option “4 equal payments of $59.99” and the first charge will be made in 30 days. Need bank account, EIN and delivery address and 30-60 days for reporting.

You may need to get a few vendors you won’t use often just to build your initial credit. DO NOT put your SSN on the applications.

Remember to pay your bills EARLY, the key to a good score.

DO NOT start with store credit…you will be denied…wait until you have five accounts reported.

And DO NOT apply for cash credit until you have 10 accounts reported.

Contact us today to learn more about building credit for your business!