Purchase

What you get for $60 a month

Two things.

A NET 30 business trade account, where your on time monthly payment is reported to Dun & Bradstreet, Experian Business and Equifax Business under your business name.

And a professionally designed website built for your business, up to five pages, included at no extra cost.

There is no setup fee and no application fee. You can cancel any time.

Your website is included, not upsold

You do not start from a blank page. We select an initial design based on your business and industry, then build it from the information you provide in a short intake.

Nothing goes live until you have seen it. You review the finished draft first.

If you already have a website that works for you, keep it. Your reporting is unaffected either way, and declining the website does not lower your price. The $60 is the price of the credit reporting, and it did not go up when the website was added.

What grows, and what you never get back

This is not a credit card, a loan, or a line of credit. You cannot spend it, draw against it, or withdraw it. None of it is money that comes back to you later.

What does grow is the trade account itself. The longer you pay on time, the larger the credit limit we report on your account becomes, so your business shows a bigger and longer trade line on its file as the months go by.

That is the whole idea. You are building a record, not a balance.

How it works

You are charged $60 at the start of each month. We report that payment as an on time business payment experience to the credit bureaus on the normal monthly reporting cycle.

Your website setup and your credit reporting are separate. Your payment is reported on schedule whether or not your website intake is finished.

How this helps your business credit

Business credit files are built from trade payments that somebody actually reports. A business with no trade accounts, and no trade payments being reported on its behalf, has nothing for a bureau to score. That is where nearly every new business starts, and it is why a business can be profitable and still look invisible to a lender.

Reporting an on time payment every month gives the bureaus something accurate to work with. A strong D&B PAYDEX score of 80 or above signals that a business pays on time and is a lower risk to extend terms to.

Which bureaus, and when

We furnish to Dun & Bradstreet, Experian Business and Equifax Business.

We report every month, on the first of the month, covering the month before. You get an email confirmation after each reported payment.

After we submit, each bureau processes on its own timetable, which commonly takes 30 days or longer.

What we do not promise

We will tell you this plainly rather than let you find out later.

Every credit reporting agency is independent and controls its own matching rules, acceptance criteria, file creation, display and scoring. We furnish accurate information. What each bureau does with it is the bureau’s decision, not ours.

We do not guarantee a tradeline, a PAYDEX score, an Intelliscore, a score increase, funding approval, a loan, a credit card, vendor approval, or purchasing power.

The most common reason a payment does not appear on a file is inconsistent business information. Your legal business name, address and identifiers should match across your filings and your other accounts.

Who can apply

Any legitimate business, applying for business purposes, with an authorized officer or representative submitting the application.

There is no revenue requirement and no minimum time in business. New businesses are welcome.

We do not require a personal guaranty and we do not pull a personal consumer credit report to decide your business application.

Some industries are not eligible for credit reporting through us. The application tells you before you fill anything out.

Apply first

Please apply for a NET 30 account before subscribing. The application takes about three minutes and costs nothing, and approved applicants get a link that fills their details in for them.

Billing, cancelling and refunds

You are billed $60 monthly, in advance, until you cancel. You can buy only one month at a time.

You can cancel yourself from your account page. Cancelling stops future charges and future reporting from that point. It does not reverse services already provided or remove accurate history already reported.

Your first payment comes with a 7 day refund. Ask us within 7 days of that first charge and we give all of it back and close the subscription.

After those 7 days, you can still cancel whenever you like. Cancelling stops every future charge from that point on. What it does not do is return a payment we have already taken, so cancelling in month four refunds nothing from months one to four.

A refunded month is not an eligible payment experience, so it is not furnished to the bureaus, and anything already submitted for it is corrected or withdrawn.

If you cancel, your website stays online through the end of the period you have already paid for. Your domain is registered in your name and remains yours either way.

Questions

Email [email protected] or call (855) 922-0490. Office hours are Monday to Friday, 9am to 5pm Central.

For the full picture of the program, see the NET 30 overview.