Business credit, built the right way.
Develop Credit gives your business its own credit identity — tracked clearly, explained in plain language, and built deliberately, separate from your personal score.
How it works
See where your business credit actually stands
Track your business credit profile in one place — no more guessing which bureau matters or digging through reports that assume you already know the jargon.
Understand exactly what's helping or hurting it
Plain-language breakdowns of what's building your score and what's holding it back — payment history, trade lines, utilization, and public records — explained the way a person would explain it to you.
Follow a guided path to real, fundable credit
A step-by-step plan to build a business credit profile that stands on its own — separate from your personal credit, and strong enough to qualify for financing in your business's name.
Develop Credit Builder
Whether you're establishing your business credit profile or preparing to qualify for larger credit lines and financing, choose the membership that matches your goals.
Track
Know where your business stands.
$19/mo
Monitor your business credit profile, understand what impacts your scores, and stay informed as your company grows.
Included
- ✓Business credit score monitoring
- ✓Easy-to-understand score analysis
- ✓Monthly business credit report updates
- ✓Real-time alerts for significant credit changes
Best for: New businesses and owners who want to monitor and protect their business credit.
Start Free TrialBuild
Establish stronger business credit.
$29/mo
Everything in Track, plus the tools and guidance to actively build a lender-ready business credit profile.
Included
- ✓Everything in Track
- ✓Step-by-step Business Credit Building Roadmap
- ✓Business Credit Builder Loan eligibility
- ✓Recommended vendor and trade line opportunities
- ✓Personalized credit-building guidance
Best for: Businesses actively building business credit and expanding financing opportunities.
Start Free TrialFund
Become financing ready.
$49/mo
Everything in Build, plus advanced tools and support to help prepare your business for larger credit lines, loans, and capital opportunities.
Included
- ✓Everything in Build
- ✓Business Financing Readiness Review
- ✓Multiple business profile management
- ✓Priority member support
- ✓Advanced funding and credit readiness insights
Best for: Businesses preparing to qualify for business loans, credit lines, equipment financing, and other growth capital.
Start Free TrialAll plans start with a 7-day free trial. Cancel anytime, no long-term contract.
Your standing across the bureaus that actually matter.
Business credit isn't one number — it's three different files, each checked by different vendors and lenders. Develop Credit tracks all of them in one dashboard.
Dun & Bradstreet
Home of the PAYDEX score — the one most vendors and suppliers check first.
Experian Business
Powers the Intelliscore Plus rating many lenders use for financing decisions.
Equifax Business
Tracks payment trends and public records tied to your business's EIN.
Your score, broken down into what actually matters.
No more staring at a number with no context. See exactly which factors are pulling your score up, which ones are holding it back, and what to do about each one.
Acme Widgets LLC
98/100
Why business credit is its own thing
Protect your personal credit
Every business expense on a personal card or personal guarantee is a risk to your own score. A real business credit profile lets your business borrow as itself.
Unlock financing you can't get otherwise
Vendors, lenders, and leasing companies check business credit before they'll extend terms — a thin or nonexistent file quietly closes doors you don't even see.
Look like the business you actually are
A real, documented credit history signals stability to suppliers, landlords, and partners — not just lenders.
Develop Credit Secured Builder
Build your business credit with a secured credit-builder loan designed to establish a stronger financial profile over time. Your loan proceeds are securely held in an FDIC-insured account until the loan is fully repaid, making it an accessible way to build credit history while creating savings.
Each on-time payment is reported to applicable business credit bureaus to help strengthen your credit profile. There are no prepayment penalties, and once the loan is paid in full, the entire principal you've contributed is released to you as your savings.
$5,000
credit built
$250 one-time setup fee
from $100/mo
25 or 50 months terms
$10,000
credit built
$400 one-time setup fee
from $200/mo
25 or 50 months terms
$25,000
credit built
$650 one-time setup fee
from $500/mo
25 or 50 months terms
One-time setup fees scale with account size starting at $250. Every on-time payment is reported as a commercial installment loan tradeline; the loan carries a 5% interest rate to cover administrative and credit-reporting costs, with no prepayment penalty, and 100% of the principal you pay in becomes savings you keep.
Develop Credit Business Checking.
A real business checking account with a card tier for wherever your business is — from a free virtual card to a metal card backed by AI financial coaching.
Foundation
Everything a new business needs to start
$0/mo
Virtual card
- ✓Business checking, no minimum balance
- ✓Virtual Visa® debit card
- ✓Mobile check deposit
- ✓Standard ACH transfers
Momentum
For businesses moving real money
$9/mo
Physical card
- ✓Everything in Foundation
- ✓Physical Visa® debit card
- ✓Business savings account with APY
- ✓Same-day ACH, higher transfer limits
Summit
Full-service business banking
$29/mo
Metal Card
- ✓Everything in Momentum
- ✓Premium metal Visa® debit card
- ✓Business savings account with higher APY
- ✓1% cash back on card purchases
- ✓AI financial coaching
- ✓Priority account support
What's included
Every Develop Credit plan is built around the same idea: give you the full picture, in plain language, with a real path to better credit.
Backed by Trusted Banking Infrastructure
Your funds are held with an FDIC-insured banking partner, giving you the security and reliability of a regulated financial institution.
Our banking services—including business checking, savings, payment cards, and credit-building solutions—are delivered through trusted banking partners. We provide a seamless digital experience while our banking partners securely hold and protect your deposits in accordance with applicable banking regulations.
Questions people actually ask
How much does Develop Credit cost?+
Plans start at $19/month — Track $19, Build $29, Fund $49. Every plan starts with a 7-day free trial and you can cancel anytime, no long-term contract.
What's the credit builder loan?+
A secured loan option from Develop Credit: your payments are held in an FDIC-insured account rather than disbursed upfront, so there's no credit check to qualify. Accounts have a one-time setup fee starting at $250 that scales with the credit amount, plus a 5% interest rate that covers administrative and credit-reporting costs — there's no prepayment penalty. Every on-time payment is reported as a commercial installment loan tradeline, and once the loan is repaid, the full principal you paid in becomes your savings.
Will checking my business credit hurt my score?+
No. Develop Credit is built around soft-pull checks, which don't affect your credit score the way a hard inquiry from a lender application would.
How is business credit different from my personal credit score?+
Your personal credit score is tied to your Social Security number. Business credit is tied to your business's EIN and its own history — separate from you personally, and visible to vendors and lenders evaluating your business specifically.
Do I need an LLC or corporation to use this?+
Having a formal entity (LLC, S-Corp, C-Corp, etc.) helps you build a business credit profile that's cleanly separated from your personal credit, but you can create an account regardless of entity type.
What happens after I sign up?+
You'll get access to your dashboard right away. We're rolling out live business credit score tracking and the guided build-credit path next — your account will be ready the moment those features ship.
Ready to see where your business stands?
Start your 7-day free trial and get your business credit picture in minutes — plans start at $19/month, no personal guarantee, no long-term contract.
Start your free trial