Primary tradeline placement for established businesses

Business credit built to withstand underwriting, not just pass a glance.

We place primary tradelines that report directly to SBFE and Experian Business under your entity's own EIN — not authorized-user or piggyback lines, and not accounts that disappear the moment a lender pulls your file.

Start your intake See how it works
SBFE + ExperianReports where lenders look
30 daysFrom intake to posted
No PG requiredStays off your personal file
Read the fine print

Not every "tradeline" reports the same way

Authorized-user accounts ride on someone else's payment history and can be removed at that person's discretion. A primary tradeline is opened, owned, and reported under your business alone.

Authorized-user / piggyback

NOT WHAT WE PLACE
Sample credit report showing an authorized-user tradeline Sample multi-bureau report showing an authorized-user account
Both examples are flagged "Authorized User" across every bureau — the account belongs to someone else, and the history disappears if they close it or remove you.

Primary business tradeline

WHAT WE PLACE
Sample account detail reports showing primary business tradelines posted under a business entity
Each account is opened under the business's own legal name and reports as a primary obligation — the record is the business's to keep.
The process

A structured four-step placement cycle

Every placement follows the same disciplined sequence, so you know exactly where your business stands at each stage.

1

Submit your entity details

Provide your formation date, EIN, and entity type through our intake form. Review typically takes under 24 hours.

2

Eligibility is verified

We confirm entity age and standing with your Secretary of State before any payment is requested, and flag anything that needs to be resolved first.

3

Select your program

Choose the tradeline size and profile depth that matches your underwriting timeline — a new line or a seasoned one.

4

Placement posts, proof follows

Your tradeline is uploaded on our fixed monthly reporting cycle, and you receive documented proof of posting once it's live.

Programs

Two structures for two positions

A new tradeline establishes reporting history from the placement date forward. A seasoned tradeline carries verified history already attached to the account. The right choice depends on your underwriting timeline, not on which one sounds stronger.

$25KCREDIT LINE SIZE
YOUR PRICE
$2,000
one-time, paid before placement
  • Starter business & store cards
  • Small fleet or vehicle financing
  • NET-30 and basic vendor limits
  • A clean foundation to build from
Choose this
$50KCREDIT LINE SIZE
YOUR PRICE
$3,000
one-time, paid before placement
  • $25K–$75K business card range
  • Entry-level term loans
  • Office and equipment financing
  • Higher vendor and NET-30 tiers
Choose this
Most chosen
$100KCREDIT LINE SIZE
YOUR PRICE
$4,500
one-time, paid before placement
  • $50K–$150K cards and lines
  • No-PG equipment financing
  • SBA microloans, working capital
  • Multi-card stacks, major issuers
Choose this
$150KCREDIT LINE SIZE
YOUR PRICE
$6,000
one-time, paid before placement
  • $100K+ bank and credit union limits
  • Fleet and fuel programs
  • Build-out and real estate ready
  • Split-limit multi-line structures
Choose this
$25KCREDIT LINE SIZE
YOUR PRICE
$3,000
one-time, paid before placement
  • Reads as roughly a year old
  • Faster starter approvals
  • Store cards, NET accounts
  • Early credibility with lenders
Choose this
$50KCREDIT LINE SIZE
YOUR PRICE
$4,500
one-time, paid before placement
  • 12–24 months of verified history
  • $25K–$75K card range
  • Entry loans underwrite easier
  • Higher vendor account tiers
Choose this
Most chosen
$100KCREDIT LINE SIZE
YOUR PRICE
$6,500
one-time, paid before placement
  • $50K–$150K cards and lines
  • Seasoned trust from day one
  • SBA microloans, working capital
  • Vehicle leases, equipment financing
Choose this
$250KCREDIT LINE SIZE
YOUR PRICE
$12,500
one-time, paid before placement
  • Positioned for $150K–$300K total
  • Secured lines, high-limit loans
  • Inventory and marketing capital
  • Bank statement and term loans
Choose this
Before you apply

What your business needs to qualify

  • ✓ Entity active 7+ months for a new line, 12+ months for seasoned
  • ✓ Structured as an LLC, S-corp, or C-corp
  • ✓ In good standing with your Secretary of State
  • ✓ Has an EIN on file with the IRS
VERIFIED

Uncertain whether you meet the criteria?

Submit an intake before any payment is requested. We verify eligibility against these requirements first, and if your entity isn't ready, we'll specify exactly what needs to be corrected.

Track record

The reporting standards we operate under

30 days
Intake to posted
2
Bureaus reported to
0
Personal guarantee required
12th
Monthly upload date
Settlement options

Two accepted payment methods

No added fee

Wire or ACH transfer

Payment instructions are issued upon approval of your intake. This method settles fastest and carries no additional cost.

4% processing

Credit or debit card

All major cards are accepted, subject to a 4% processing fee. A $4,500 program, for example, totals $4,680 when paid by card.

Common questions

Frequently asked

A primary tradeline is a credit account opened under your business's own EIN, with your business listed as the primary account holder. This differs from authorized-user or piggyback arrangements, which attach your business to an account it does not independently hold.

Placements report to SBFE (Small Business Financial Exchange) and Experian Business Commercial Credit, the two sources most commonly pulled during commercial underwriting.

A new tradeline begins reporting from its placement date and builds history forward from there. A seasoned tradeline arrives pre-loaded with verified payment history already attached, so it reads as an established account from day one.

Placements upload on a fixed monthly cycle and typically appear on your business credit file within 30 days of your program being confirmed.

You'll receive documented proof once the account is live, confirming it has reported to the applicable bureaus.

No. A tradeline strengthens the credit profile a lender reviews, but underwriting decisions account for revenue, time in business, existing debt, and other factors we do not control. Outcomes will vary by applicant.

Your entity must be active for at least 7 months for a new placement (12 months for a seasoned one), structured as an LLC, S-corp, or C-corp, in good standing with your Secretary of State, and hold a valid EIN.

Yes. Many businesses place several tradelines in sequence to add depth and diversity to their credit file. Specify your objective during intake and we will recommend an appropriate structure.

No. These accounts report exclusively under the business entity, and placement does not require a personal guarantee from any owner or officer.

Once your intake is reviewed and eligibility is confirmed, we send payment instructions directly. Wire and ACH transfers settle fastest with no added cost; card payments carry a 4% processing fee.

Yes. Primary business tradelines are standard commercial credit accounts reported to recognized business bureaus, and placing them is a routine part of building a business credit file.

Your placement is queued for the next reporting cycle, uploaded on schedule, and confirmed with documentation once it's live on your file.

Once an intake is submitted and payment is processed, the placement is considered final. If you're uncertain about eligibility, submit your intake first — we confirm eligibility before any payment is requested.

SBFE, the Small Business Financial Exchange, is one of the primary data exchanges commercial lenders reference when evaluating a business's creditworthiness.

As long as the account stays open, the tradeline remains a permanent, active part of your business credit file — it isn't a temporary boost.

Begin building a credit profile your business can rely on.

Submit your intake and we will confirm eligibility within 24 hours, prior to any request for payment.

Start your intake