How to Build Business Credit from Scratch (Without Using Personal Credit)
- Strike Force Agency LLC
- Oct 3
- 2 min read
Most entrepreneurs make the same mistake: they use their personal credit for every business expense. That means high utilization, risky approvals, and personal liability if things go sideways.
But here’s the truth: you can build a completely separate business credit profile tied to your EIN, not your SSN — and use it to unlock high-limit cards, vendor accounts, and business loans.
At Strike Force Agency LLC, we specialize in helping business owners build business credit from scratch, the right way.
Step 1: Set Up Your Business the Right Way
Banks and vendors don’t lend to hobby projects. You need structure:
Form an LLC or Corporation.
Get your EIN from the IRS.
Register for a D-U-N-S number (Dun & Bradstreet).
Open a business bank account.
Set up a professional business email, phone, and address.
💡 Pro tip: Keep your business identity consistent across all platforms (SOS filing, bank account, DNB, etc.).
Step 2: Start with Net-30 Vendors
Before you get business credit cards, you need vendor tradelines that report to business credit bureaus.Examples:
Uline
Quill
Grainger
Summa Office Supplies
👉 Order products you actually need, pay invoices early, and let those accounts report.
Step 3: Add Store & Fleet Accounts
Once you’ve got a few vendors reporting, move up to store/fleet accounts:
Amazon Business
Lowe’s / Home Depot Pro
Fuel cards (WEX, Shell, BP)
These accounts give your business more credibility and start building your PAYDEX score.
Step 4: Graduate to Revolving Business Credit
Now you can apply for revolving credit:
Business credit cards (Chase Ink, Amex Blue Business, Capital One Spark).
Business lines of credit from your bank.
👉 If your foundation is strong, you’ll get approvals without a personal guarantee (or with only a soft check).
Step 5: Leverage Business Credit for Funding
Once your business profile is established, you can scale into:
Higher-limit revolving accounts.
Equipment financing.
SBA loans ($50K–$5M).
⚡ This is how you separate personal and business finances — and set your company up for long-term funding power.
Strike Force’s Advantage
We don’t just show you which vendors to apply to. We:
Build your business structure right.
Set up your tradeline foundation.
Stack accounts in the right order.
Position you for SBA loans and large approvals.
💡 The goal isn’t just to get business credit. It’s to make your company funding-ready.
The Bottom Line
Business credit is the cheat code for growth. Without it, you’re capped. With it, you’re unstoppable.
At Strike Force Agency LLC, we help entrepreneurs build, grow, and leverage business credit without risking their personal profile.
Start your own Credit Repair Journey with our Free Dispute Starter Kit.
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