Business Credit That
Actually Gets You Funded.
You opened the LLC. You got the EIN. Now it's time to build the credit profile that gets you approved, for the card, the loan, the lease. We'll walk you through every step.
The Reality
Built the right way.
In the right order.
Only 1 in 4 small business owners has an established business credit profile. The ones who do get approved 3x more often for funding. OneCo walks you through every step, in the right order.
Start Building Your CreditYour Business Deserves Its Own Financial Identity.
Stop Risking Your Personal Credit
Every time you swipe your personal card for business, you're putting your personal score on the line. Keep them separate.
Unlock Funding on Your Terms
Net-30 accounts, lines of credit, equipment financing, vehicle leases. The more you build, the more you can access.
Get Approved. Not Declined.
Banks check your business credit before they say yes. No profile means no approval. A strong profile means yes.
This Is What Business Credit Makes Possible.
It's not abstract. Here's what real OneCo members have used their business credit for.
Vehicle Financing
Put a car on Turo or Uber. Finance it under your business, not your name.
Equipment Funding
Get the pressure washer, the lawn mower, the tools, without draining your savings.
Business Vehicles
Lease or finance a work van, a cleaning truck, a delivery vehicle under your LLC.
Working Capital
Cover payroll, inventory, marketing, a business line of credit keeps you moving even when cash flow dips.
This Is How You Build It.
Set Up Your Business Foundation
LLC, EIN, business address, dedicated business bank account.
Get Your Credit File Opened
Register with Dun & Bradstreet, Experian Business, and Equifax Business.
Build Your First Tradelines
Net-30 vendor accounts that report to business bureaus.
Watch the Doors Open
Business credit cards, lines of credit, equipment financing, all under your business name.
The Difference Is Real.
See exactly what changes when your business has an established credit profile, and what it costs you not to build one.
Why It Matters
Only 1 in 4 small business owners has an established business credit profile. The ones who do get approved 3x more often and at better rates.
How OneCo Helps
We walk you through every step, from registering with Dun & Bradstreet to building your first tradelines and monitoring your score in real time.
Real People. Real Results.
Not gurus. Not influencers. Just people who did the work.
"Eight months later I financed my first Turo car under my LLC. No personal guarantee."
Darius W.
Car detailing / Turo · Atlanta, GA
"I got approved for a $12,000 business line of credit in under a year."
Keisha M.
Cleaning services · Houston, TX
"Now my business has its own identity, and I just got approved for equipment financing I thought was out of reach."
Marcus T.
Pressure washing · Chicago, IL
Questions? We've Got Answers.
Business credit is a credit profile attached to your business entity, not to you personally. It's tracked by bureaus like Dun & Bradstreet, Experian Business, and Equifax Business using your EIN, not your SSN. A strong business credit profile means lenders and vendors evaluate your business on its own financial history.
With the right steps in the right order, you can have a scoreable profile in 3–6 months. The key is opening the right accounts early, starting with net-30 vendor accounts that report to business bureaus, and making every payment on time.
Yes. You need a registered business entity (LLC or Corporation), a dedicated EIN, a business address, and a business bank account. Without these, there is no separate business identity for bureaus to track.
The goal is that it won't. As your business credit profile matures, lenders can approve based on business history alone, no personal guarantee, no personal credit pull. Early stage you may still need personal credit, but OneCo walks you through graduating off it.
Net-30 vendor accounts are trade lines where the vendor extends you 30 days to pay. When those vendors report your payments to business credit bureaus, it builds your business credit history. These are typically the first accounts you open and the fastest path to a scoreable profile.
The three main business credit bureaus are Dun & Bradstreet (DUNS score), Experian Business, and Equifax Business. Unlike personal credit, not all lenders pull from the same bureau, so OneCo helps you build a presence across all three.
Requirements vary by lender, but a Paydex score of 80+ (Dun & Bradstreet) or an Experian Intelliscore of 76+ generally qualifies you for most business credit cards and small lines of credit. OneCo monitors your score and tells you exactly when you're ready to apply.
Yes, that's actually one of the main reasons to build business credit. Your business credit profile is built independently of your personal score. Starting with EIN-only vendor accounts that don't check personal credit is the path forward, and OneCo maps it out step by step.
OneCo provides a guided credit-building roadmap: entity setup verification, bureau registration, vendor account recommendations, real-time score monitoring across all three bureaus, and alerts when you're ready to apply for the next level of credit. Everything tracked in one dashboard.
You stay stuck applying for everything with your personal credit, exposing your personal score to every business inquiry, requiring personal guarantees on loans, getting denied by vendors who require an established business profile, and missing out on higher credit limits that come with a real business track record.
Your Business Has a Name.
Now Give It a Credit Score.
Start building today. It's free to get your foundation set up.