Assess: a clear picture of your business credit profile today.
Before any work begins, we look at what's actually reporting on your business credit file. The goal is a clear, honest baseline — what's there, what isn't, and where the gaps are.
What happens during assess
- Pull your business credit profile from the major business credit bureaus.
- Review what tradelines and accounts are currently reporting under the business.
- Identify gaps between your file and what lenders typically look for.
- Outline a practical roadmap based on where the file is starting from.
What you provide
- Basic business information (entity, EIN, time in business).
- Permission to review your business credit reports.
- Context on past financing activity, if any, under the business.
Outcomes of the assess step
- An honest read on the current state of your business credit profile.
- A clear list of the gaps that matter most to address first.
- A realistic sense of the timeline involved to strengthen the file.
No hard personal credit pull is required to start.
Credit-building outcomes depend on consistent reporting and the business's own payment behavior.
Other steps in building business credit
Establish
Confirm the foundational items lenders look for: business entity in good standing, EIN, dedicated business address, phone, and bank account.
View establish stepBuild
Add tradelines and vendor accounts that report to the business bureaus, then manage them responsibly so positive payment history accumulates.
View build stepLeverage
Use your stronger profile when evaluating capital options, so financing partners can underwrite the business on its own credit story.
View leverage stepReady to start the conversation?
Talk through your situation with an advisor. No hard credit pull required to begin.