Boost Your Credit & Fund Your Business
Don't let a low score block your company's growth. Our authorized user tradelines add years of perfect payment history to your report — helping you reach the score you need for SBA loans, business lines of credit, and more.
What Score Do You Need for a Business Loan?
Each type of business financing has different requirements. See where you stand and how tradelines can get you there.
| Financing Type | Min. Score | Max Amount | Status |
|---|---|---|---|
| SBA 7(a) Loan | 650+ | Up to $5M | Achievable |
| Business Line of Credit | 680+ | Up to $500K | Achievable |
| Equipment Loan | 600+ | Up to $1M | Needs Boost |
| Invoice Financing | 600+ | Up to $5M | Needs Boost |
| SBA 504 Loan | 680+ | Up to $5.5M | Achievable |
| Premium Business Credit | 720+ | No limit | Premium |
Requirements vary by lender. Approximate data as of Q1 2026.
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How Do Tradelines Prepare You for Business Financing?
Your personal credit is the gateway to business financing — especially for new or early-stage companies
Cross the Approval Threshold
Most business lenders require 650–680+. Our tradelines can get you there in 7–15 days, opening doors to SBA, lines of credit, and more.
Get Better Rates
A higher score means lower interest rates on your business loans. The difference between 620 and 720 can be 2–4% on your rate, saving you thousands.
Established History
Business lenders love long credit history. Our tradelines add 4–12+ years of age, making you look like a reliable borrower.
Higher Loan Capacity
A stronger credit profile doesn't just get you approved — it gives you access to higher loan amounts to finance real business growth.
The ROI for Your Business
A small investment in tradelines can save you tens of thousands on business financing
*Based on $100,000 business loan over 5 years. Approximate rates as of Q1 2026.
Business Loan Tradeline Packages
Specifically curated for business owners targeting business financing. No hard pull, reports to all 3 bureaus.
Starter Business Tradeline
Scores 580–640 targeting equipment loans or micro-loans
- Added as authorized user
- Reports to all 3 bureaus
- Priority reporting cycle
- No hard pull
- Aged account history
- Dedicated account manager
Business Tradeline
Scores 620–670 targeting SBA loans or business lines of credit
- Added as authorized user
- Reports to all 3 bureaus
- Priority reporting cycle
- No hard pull
- Premium aged account
- High business-grade limit
- Dedicated account manager
- Business strategy consultation
Enterprise Package
Scores 650+ targeting large SBA financing or premium business credit
- Added as authorized user
- Reports to all 3 bureaus
- Urgent priority reporting
- No hard pull
- Premium aged account
- Highest limits available
- VIP account manager
- Business strategy consultation
- 2 reporting cycles included
- Business credit review
Need a custom order? View all tradeline packages →
Business Owners Who Got Funded
These clients used tradelines to cross the business approval threshold
“I needed 680 to qualify for a $50K business line of credit. I was at 601. Used the Business Tradeline and hit 699 in 3 weeks. Approved and expanding my business!”
“My SBA application was denied due to a low score. I combined the Enterprise Package with credit repair and went from 588 to 700. Second application: approved for $150,000.”
“I wanted financing for construction equipment. The Starter Tradeline boosted me from 622 to 698 in 2 weeks. Got the equipment loan I needed to grow.”
Combine Tradelines + Credit Repair
Tradelines add positive history. Credit repair eliminates collections, late payments, and negative marks. Together, they create the strongest possible credit profile for qualifying for business financing — and we offer bundle discounts.
The Business Package Includes
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Frequently Asked Questions — Business Loan Tradelines
Common questions from business owners using tradelines
Start Your Path to Business Financing
Pick a package above or call us for a personalized recommendation for your business.
No hard pull · No credit check · 100% confidential · FCRA compliant