Tier 1 Business Credit Vendors [Updated 2024 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. 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/

2. 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/

3. 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: Equifax, Experian, and Dun & Bradstreet. They will not report any negative history. The Nav Prime Card reports to the SBFE.

Try Nav

4. CreditStrong

CreditStrong is a company that offers a variety of credit builder loans.

Their business loans range from a $2,500 to $25,000 and come with a repayment term of 25 months.

The requirements for taking out the loan are that your business must be at least 3 months old, have an EIN, be located in the U.S., and be an LLC, partnership, or corporation.

As with all credit builder loans, you will not receive the money upfront. Instead, the funds are put into a locked savings account. Once you have paid off the loan, the loan funds will be distributed to you.

This tradeline will report to: Equifax, PayNet, and the SBFE. (Remember that the SBFE also reports the payments to Dun & Bradstreet and Experian.)

CreditStrong is unique among the vendors on this list in that it is a loan, not a vendor tradeline. As such, it is a financial tradeline. Financial tradelines are even more powerful for building business credit than vendor tradelines.

Try CreditStrong

5. eCredable

eCredable reports your current business bills to the business credit bureaus. It’s one of the best ways to build business credit because you can report multiple vendor tradelines for the cost of only one subscription.

Each bill payment is reported as a separate tradeline to Equifax Business and Creditsafe. They also report your eCredable Business Lift payments to those bureaus, plus Dun & Bradstreet and Experian.

The feature that I like best is their past payment reporting. They will report payments for up to the past 24 months. This can give a massive, immediate credit score boost!

Reports to: Dun & Bradstreet, Experian Business, Equifax Business, Creditsafe

Vendor Link: https://business.ecredable.com/

6. Business T-Shirt Club

Business T-Shirt Club is a membership-based service that allows you to print custom apparel such as t-shirts, hats, aprons, and more.

As a member, you will have the option to select net 30 billing terms during checkout. Your order will require a 50% deposit. Once you have completed and paid five orders (no late payments), the deposit will be waived on all future orders.

Their tradeline is reported to the following credit bureaus: Equifax, Credit Safe, Ansonia, and Cortera.

Vendor Link: https://www.businesstshirtclub.com/page/benefits/credit-reporting

7. Uline

Uline sells various office products, including janitorial supplies, shipping supplies, etc.

To open a net 30 account, you will need to create a business account on their website. Then, when you are checking out, you will have the option to select net 30 billing. Once you have made the selection, your business credit will be reviewed.

If you meet Uline’s qualifications, you will receive a credit line and be able to proceed with the net 30 purchase.

Use of the tradeline is reported to: Dun & Bradstreet and Experian.

Vendor Link: https://www.uline.com/CustomerService/ULINE_FAQ_Ans?FAQ_ID=104

8. Quill

To begin making purchases on net 30 terms with Quill, you first need to set up a business account.

Then, once you have made a purchase, you select the “Invoice Account” option. At this point, Quill will review your business credit history to determine if you qualify for net 30 terms and what your credit limit will be.

In addition, Quill offers a payment program to all of their customers who qualify for net 30 terms. The payment program allows you to pay for purchases that exceed $500 over the course of 6 months, interest-free.

Quill sells various office products, including furniture, electronics, ink, etc.

Reports to: Dun & Bradstreet and Experian

Vendor Link: https://www.quill.com/payment-information/cbi/94.cshtml

9. Creative Analytics

The qualifying criteria for a Creative Analytics net 30 business account are very specific.

Business must be 30+ days old
No derogatory marks
U.S.-based
Must have an EIN
Must have a DUNS number

You’ll also need to pay a membership fee. For access to their physical products and some digital services, you’ll need to pay $79/year.

For access to their exclusive digital library and a community for networking, you’ll be charged $49 to $149 a month.

This tradeline is reported to: Equifax and Credit Safe.

Vendor Link: https://creativeanalyticsdc.com/net30/

10. Summa Office Supplies

To purchase office supplies such as legal pads, envelopes, etc., from Summa Office Supplies, you’ll first need to create a business account.

Summa will evaluate your business credit during the account setup to determine if you qualify for net 30 terms and what level of products they will offer you.

Account activity reports to: Equifax and Experian. You’ll need to meet the $75 minimum purchase threshold for it to report to the business credit bureaus.

Vendor Link: https://summaofficesupplies.com/register

11. Grainger

Grainger offers a variety of construction-related tools and products including lighting, pipes, HVAC, and more.

During checkout, you have the option of requesting credit as a payment option.

You can also contact Grainger directly via chat or phone to inquire about opening a credit line.

Activity on this tradeline is only reported to: Dun & Bradstreet.

Vendor Link: https://www.grainger.com/content/cof_financing

12. Wise Business Plan

You will need to fill out an application and submit a $99 annual fee to Wise Business Plan in order to qualify for net 30 terms or greater. Wise Business Plan also offers 60 and 90-day payment terms for well-qualified businesses.

You’ll need to own at least 20% of the company in order to apply for an account.

Once approved, you’ll be able to purchase business plans, digital marketing services, and more using your net 30 account.

This tradeline is reported to: Dun & Bradstreet, Equifax, and Experian.

Vendor Link: https://wisebusinessplans.com/wise-net-30-application/

13. Ohana Office Products

To purchase office supplies such as filing folders, software, ink, etc., from Ohana Office Supplies, you’ll first need to create a business account.

During the account setup, Ohana will evaluate your business to determine if you qualify for net 30 terms. When you checkout, select the “Bill My Net 30 Terms Account” as the payment method.

It’s not clear which business credit bureaus Ohana Offic Product reports to, but they do report to at least one bureau.

Vendor Link: https://ohanaofficeproducts.com/register

14. NAMYNOT

NAMYNOT offers net 30 accounts with up to a $10,000 credit line. To apply, you’ll need:

An EIN
A DUNS number
A business that is at least 90 days old
Zero negative payment history

You’ll receive a decision within 5-10 business days.

Your payments will be reported to: Dun & Bradstreet.

Vendor Link: https://namynot.com/net-30/

15. HD Supply

HD Supply offers a variety of products and services, including electronics, appliances, professional training, and more.

They also offer net 30 payment terms. You’ll need to fill out their credit application in order to qualify.

The credit application also allows you to set certain account preferences such as how you would like to receive invoices, purchasing instructions, and more.

This tradeline is only reported to: Dun & Bradstreet.

Vendor Link: https://hdsupplysolutions.com/s/credit_application

16. Strategic Network Solutions

To use net 30 terms at Strategic Network Solutions, you’ll need to create a business account. Once you have done so, you’ll need to make a purchase.

You’ll then need to purchase an $80 downloadable product and select “Bill My Net 30” during checkout.

Their net 30 account comes with a $2000 credit line that can be used to purchase any office supplies or computer accessories they sell.

This credit line will be reported to: Credit Safe and Experian credit bureaus.

Vendor Link: https://stntsol.com/register

17. Staples

Staples is a well-known retailer of office products, selling everything from Post-it Notes to laptops. And staples, of course.

One of the payment methods they offer is net 30 terms. If you meet their qualifications, your net 30 account will come with a dedicated representative, weekly invoices, and zero late fees or interest charges.

The account will be reported to: Dun & Bradstreet.

Vendor Link: https://www.staples.com/sbd/content/help/yourorder/invoiceaccountpopup.html

18. SupplyWorks

SupplyWorks is a division of Home Depot that sells items in partnership with HD Supply. Products include hardware, appliances, painting, and more.

As a Home Depot Pro customer, you can fill out their credit application to request net 30 terms.

Credit bureaus reported to: Undisclosed

Vendor Link: https://www.supplyworks.com/info/terms-of-sale

19. JJ Gold International

JJ Gold International focuses on selling beauty and home decor products, including luxury items like handcrafted candles and spa essentials.

They also offer net 30 payment terms for businesses that meet their basic qualifications of being U.S.-based and in business for 90+ days.

Once approved, you’ll need to make a minimum purchase of $100. And for new customers, a 50% deposit is required.

The tradeline is only reported to: Dun & Bradstreet.

Vendor Link: https://jjgold.com/net30-account/

20. Office Garner

Office Garner sells more than just office supplies. They also sell kitchen appliances, apparel, and electronics.

Office Garner offers a net 30 account with very few requirements. Your business only needs to have been open for 30 days, be U.S.-based, and your business credit history needs to be clean. Office Garner will never charge you any late fees or interest.

Applications are also reviewed within 72 hours.

The tradeline is reported to: Credit Safe and Equifax.

Vendor Link: https://officegarner.com/about-net-30/

21. Newegg Business

Newegg Business offers all of the same Newegg products (mostly electronics) you can purchase as an individual, but with the added bonus of cost savings and higher rewards earning potential.

To apply for net 30 terms, you will first need a Newegg business account. Your application will be reviewed within 5 to 10 business days. Once you have had your account for three months, Newegg will review your spending habits and could increase your credit line.

This tradeline is reported to: Dun & Bradstreet and Equifax.

Vendor Link: https://www.neweggbusiness.com/net-30-terms

22. Laughlin and Associates

Laughlin and Associates offer a range of business services, such as business formation services, credit management, and accounting services.

In setting up and paying for these services, you will automatically be given net 30 terms

Reports to: Experian

Vendor Link: https://laughlinusa.com/home

23. The Red Spectrum

A variety of educational resources are available through The Red Spectrum. They also offer a few business-building services such as website design and logo design.

If you are trying to build your business credit, you can sign up for their Business Builder program. This net 30 account is a subscription-based service. They’ll send account information to the business credit bureaus for $54.95/month (plus a $99 sign-up fee).

Additionally, they will review your business credit every month and potentially extend you a credit limit increase.

Reports to: Equifax and Credit Safe

Vendor Link: https://www.theredspectrum.com/business-builder/

FAQs

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.

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Amanda Garland

Amanda Garland is a personal finance blogger living in Dallas, TX. 10 years ago she was living paycheck to paycheck and knew nothing about how credit works. She learned some hard lessons in her fight for financial stability. Now she has a friendly competition going with her husband to see who can reach a credit score of 850 first. She is also a poet, having obtained a Bachelor of Fine Arts degree in Creative Writing.