How Many Net 30 Accounts Do I Need to Build Business Credit?

If you are building business credit for the first time, you want at least four net 30 accounts per credit bureau. Dun & Bradstreet requires at least four trade references to generate a PAYDEX Score for you. Experian, Equifax, and other business credit bureaus require multiple accounts and payments as well.

How Fast Will Net 30 Accounts Build My Business Credit?

It can take 6 to 8 weeks for them to hit your business credit reports. There are a few things that have to happen first. A) You have to sign up for net 30 terms and place an order, B) pay off your order, and C) that payment has to be reported to the business credit bureaus. We recommend that you don't wait the full 30 days to pay your order. Pay it about a week later. That way you can get the payment reported to the credit bureaus faster.

What Is a Net 30 Account?

A net 30 account is a type of credit account that vendors may extend to you as a client or customer. If they do, it means they’ll give you a 30 day, interest-free payment term on your invoices. Some vendors that provide net 30 term accounts report your activities to a business credit bureau, which can help you build business credit. In addition, you can use them to smooth out your cash flow without having to take out a business credit card.

Does Amazon Do Net 30?

Amazon offers net 30 payment terms through their Pay by Invoice program . With a Business Prime membership, you can also apply for net 45 or net 60 terms as well. In each case, your business account is subject to credit approval. However, Amazon does not report net 30 accounts to the commercial credit bureaus. As a result, you won’t build business credit with any of their extended payment terms.

21 Net 30 Accounts for New Businesses [Updated for 2025]

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These net 30 accounts help you build business credit.

We’ve compiled the most thorough list on the internet of net 30 accounts that report to the business credit bureaus. So stop browsing the credit forums and start applying to these vendor accounts!

These accounts have been verified – this list is current and up-to-date.

What Are Net 30 Accounts?

Net 30 accounts are a form of business credit that lets you pay off your invoices 30 days after your initial purchase. A net 30 vendor may report your account usage to the major commercial credit bureaus, helping you build business credit.

1. Crown Office Supplies

Products and Services: Crown Office Supplies provides office supplies like notebooks, folders, stationery, and writing instruments. They also sell school supplies, electronics, t-shirts, and home goods.

Credit Bureaus: Dun & Bradstreet, Equifax, Credit Safe, the SBFE, LexisNexis, and the NACM.

Eligibility Category: New and established businesses. You need to spend at least $30 on your order for them to report your payment.

Vendor Link: https://crownofficesupplies.com/net30-application/

2. CEO Creative

Products and Services: CEO Creative provides products in multiple categories, including graphic design supplies, branded apparel, electronics, and office supplies. They also offer printing services.

Credit Bureaus: Dun & Bradstreet, Equifax, Credit Safe, and the National Association of Credit Management

Eligibility Category: New and established businesses

Vendor Link: https://theceocreative.com/business-net-30-account/

3. FairFigure

Products and Services: FairFigure is an all-in-one business credit builder platform. Its primary offerings are its tradelines, which it reports to several business credit bureaus, including Experian Business, Equifax Business, Creditsafe, and the SBFE.

The first is a financial tradeline, available either through the FairFigure Card or FairFigure Lift program. Importantly, you can only sign up for one or the other at any given time.

Both options offer an advance on your future revenues. However, one allows you to spend those funds through a card, while the other deposits them directly into your business bank account.

The other notable difference between the two options is in their repayment schedules. The Card can have a repayment term of four or eight weeks, while the Lift program is repayable in weekly installments.

Whichever option you choose, FairFigure will also report your monthly subscription payment as a vendor tradeline, as well as provide personal and business credit monitoring services.

You get all your personal credit reports and scores, plus business reports and scores from D&B, Equifax, and Creditsafe. You can also see FairFigure’s proprietary Foundation Report and Score, which factor in financial data.

Credit Bureaus: Experian, Equifax, Creditsafe, and the SBFE.

Eligibility Category: New and established businesses

Vendor Link: https://fairfigure.com/

4. Nav

Products and Services: Nav gives you access to your business credit reports and scores from Dun & Bradstreet, Experian, and Equifax.

If you sign up for a free account, you get access limited access to your business credit reports and a credit score “grade” instead of the actual credit score. If you’re working on building your business credit, this one is a no-brainer!

Note: they don’t really advertise their free account anymore, but it’s still there. Go start the sign-up flow and pick the no-cost plan.

Their paid product, Nav Prime, comes with the full business credit reports and scores. It also reports your monthly payments as a vendor tradeline. (IE Same as a net 30 account.) It costs $49.99/month and can be canceled at any time.