Start a credit profile under your business, watch your score climb as you pay on time, and keep it cleanly separate from your personal credit — right alongside your banking, payroll, and books.
From your first reported payment to a score lenders can see, OneCo helps you build, track, and protect business credit that stands on its own — no guesswork, no personal exposure.
Credit that builds, reports, and stays separate from personal
Business credit score over time
Business credit score
In the past 7 days
50%
Reserve allocated
Credit utilization
On-time payment
November 28, 2025
+12 pts
New tradeline
November 20, 2025
Reported
Utilization down
November 12, 2025
22%
+2,400 businesses
Performance
In the past 7 days
49%
+2.5%Climbing every month
Build a credit profile that belongs to your company, not you personally, so your business stands on its own history as it grows.
Follow your business credit score as on-time payments and new tradelines get reported, and see exactly what helps it climb.
“We finally have credit in the company's name. OneCo reports our payments, our score keeps climbing, and my personal credit stays out of it.”
Keep business activity off your personal report, so what your company does never has to touch your own credit.
Because your banking and bills already live here, the accounts you pay can report on your behalf without extra setup or logins.
Because your accounts, bills, and payments already run on OneCo, the activity that builds your credit gets reported as it happens — so your score reflects how you actually run the business, with nothing to track by hand and your personal credit left untouched.
Building credit in your business name is not paperwork for its own sake. It opens real doors that stay closed when everything runs through your personal credit.
Qualify for loans and lines of credit in your business name, not your personal one.
Open business credit cards with limits that match your revenue, kept apart from your personal cards.
Buy now and pay later with suppliers, so cash flow stays smooth as you grow.
A real business credit profile makes lenders far more likely to say yes.
Keep business borrowing off your personal report, so one never drags down the other.
Vendors, lenders, and partners take a business with established credit more seriously.
Without business credit
With OneCo business credit
Trusted by 2,400+ small businesses
Here’s what small-business owners shared after moving their banking, payroll, and books onto OneCo.
“OneCo put banking, payroll, and the books in one place. I stopped paying for four tools and a bookkeeper.”
“Payroll ran the same day I switched, taxes filed automatically, and I finally trust my numbers.”
“Cash flow, invoices, and compliance live on one dashboard. OneCo runs the back office so I can drive trucks.”
“Easiest switch we made all year. The team got paid on time and our accountant actually thanked us.”
Business credit is a profile in your company's name, tied to your EIN instead of your social security number. Lenders and vendors use it to decide how much to extend to your business, and it builds separately from your personal credit.
No. When you build through accounts that report under your EIN, the activity stays on your business profile and off your personal report.
Many owners reach a scoreable profile within a few months of paying the right accounts on time, in the right order. OneCo lays out each step so you are not guessing.
No. One of the main reasons to build business credit is to stop relying on your personal score. You can start with vendor accounts that do not check personal credit at all.
Net 30 vendor accounts, business cards, and other tradelines that report to the business bureaus. OneCo helps you open the right ones in the right order.
Yes. Business Credit is a live OneCo product with three plans. You can see what each includes and start on the pricing page.
Trusted by 2,400+ businesses
OneCo unifies banking, payroll, accounting, and compliance so you can run every part of your business from one place, make faster decisions, and stop juggling disconnected tools.
