What Is Tier 1 Business Credit?

Tier 1 business credit consists of basic vendor trade credit. These vendor credit accounts are easy to qualify for, don’t require credit history, and don’t need a lot of time in business. This type of credit is vital for helping new businesses build their business credit profile. But once your business credit is established, you’ll want to look at adding in tier 2 business credit (accounts with higher credit limits and/or longer repayment terms) and tier 3 business credit accounts (business financing, i.e. a small business loan).

What Companies Can Build Business Credit?

Any business can build business credit. This includes sole proprietors. The critical component needed for building business credit is establishing a separate legal entity . This is often done by creating an LLC, S-corporation, partnership, etc. But this is not required. What is required are separate business bank accounts and business tradelines. So, a sole proprietor could begin establishing business credit with nothing more than a checking account and a business credit card . It is worth noting that a business that wants to establish a credit report with Dun & Bradstreet will need to request a DUNS Number .

What is a Tier 1 Net 30 Account?

A net 30 account is any vendor or supplier account where you are given 30 days to pay the bill in full. A net 15 account would allow you 15 days to repay your bill and a net 45 account would give you 45 days to repay your bill. What makes net 30 accounts tier 1 accounts, involves the other aspects of each account. Tier 1 accounts are usually easy to obtain, they often do not have any business or personal credit score minimums. Some vendors don’t even check your credit profile. Net 30 tier 1 accounts also have lower credit lines and almost never require a personal guarantee.

Tier 1 Business Credit Vendors [Updated 2025 List]

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When you have a small business and are trying to establish a business credit score or build good business credit, opening tier 1 business credit vendor accounts is essential.

These vendor credit accounts are great for building business credit, and they can help you improve your cash flow.

We have thoroughly researched and have determined several tier 1 business credit accounts that you can add to your business credit profile to build good credit.

1. FairFigure

FairFigure is unique in that it offers three ways to build business credit.

First, they offer cutting-edge business credit monitoring that helps you stay on top of your credit so you can quickly identify issues and resolve them. That way, you can protect your business credit from errors that are no fault of your own.

Next, FairFigure acts as a tradeline, where on-time payments are reported to major business credit bureaus to boost your business credit score.

FairFigure offers FairFigure Lift — an easy-to-use business credit builder account. Funds are directly placed into your business account, and you make payments in flexible weekly installments.

Lift payments get reported as a second tradeline.

This tradeline reports to: Experian, Equifax, Creditsafe, and the SBFE.

Vendor Link: https://fairfigure.com/

2. CEO Creative

CEO Creative offers net 30 terms to businesses that meet the following qualifications:

In business, at least 90 days
U.S.-based
Positive credit history

CEO Creative offers many products, including: office supplies, electronics, branded apparel, graphic design supplies, and printing services. They also let you buy digital services (like web design) using net 30 terms.

This tradeline is reported to the following credit bureaus: Dun & Bradstreet, Equifax, Credit Safe, and the National Association of Credit Management.

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

3. Crown Office Supplies

Once your business has been established for 90 days, you can apply for a business account with Crown Office Supplies.

Crown Office Supplies sells office supplies, t-shirts, electronics, and more.

Their business account comes with net 30 terms and a credit line ranging from $800 to $5000. To qualify, your business must be U.S.-based and have zero late payments on your business credit.

Opening the account will require a $99 annual membership fee before you access your tradeline as well as a $30 minimum initial purchase.

This tradeline reports to: Dun & Bradstreet, Equifax, Credit Safe, the SBFE, LexisNexis, and the NACM.

Vendor Link: https://crownofficesupplies.com/

4. Nav

Nav gives you free access to your business credit reports and scores! This one is a no-brainer if you are working on your business credit.

The free account gives you limited access to your business credit reports and a business credit score “grade” (A-F) instead of your actual business credit score. (See also What Is a Good Business Credit Score?)

Their paid product, Nav Prime, offers a complete business credit monitoring service with other perks. They give access to the full business credit reports and scores from D&B, Experian Business, and Equifax Business.

The great thing is that they report your monthly payment as a tradeline to those three credit bureaus. On top of that, Nav Prime gives you access to a charge card that reports to the business credit bureaus.

Between the charge card and the tradeline reporting, Nav gives you two business tradelines.

This service will report Nav as a business tradeline to: