Know exactly where your business stands for funding.
Crediqly audits your business across 14 deterministic milestones, shows you exactly what lenders look for, and guides you step-by-step toward commercial funding — with zero personal credit exposure.
Founder Masterclass
Why business credit is your company's most underutilized asset.
In 60 seconds, understand why personal credit cards silently limit your growth — and how building a corporate credit file changes everything.
Protect your personal credit
Keep business balances off your SSN report. Your personal FICO score stays clean regardless of how you fund operations.
Access 10x larger facilities
Commercial lenders underwrite your EIN and Paydex score — unlocking revolving lines that consumer credit never could.
Build lasting corporate equity
A seasoned 80+ Paydex file is a business asset. It compounds over time and dramatically increases your company's borrowing power.
Platform Capabilities
Built to pass commercial underwriting, not just look impressive.
Crediqly audits your real fundability across 14 deterministic milestones — each one directly tied to what prime commercial lenders evaluate.
One Authoritative Readiness Score
Zero arbitrary point bumps. Every point reflects a verified milestone required by prime commercial lenders. Total weights always sum to 100.
No Personal Credit Exposure
We never ask for your SSN, banking passwords, or personal tax returns. Your credit profile is built entirely under your company EIN.
Always Know Your Next Move
The engine continuously identifies your highest-leverage action, explains why lenders care, and shows what unlocks next.
Prime lenders auto-reject businesses banking from personal accounts.
Context-Aware AI Mentor
Ask questions about your specific profile. The AI Mentor evaluates your exact readiness data to deliver institution-grade guidance.
DSCR measures operating cash flow vs. debt. At $28k/mo revenue you safely support up to $50k in draw limits.
Matched Capital Spectrum
Explore commercial financing matched to your profile.
Know exactly what lenders require before you ever apply — minimum age, revenue thresholds, and underwriting criteria with zero credit pull risk.
Unsecured Commercial Revolving Lines of Credit
Access dedicated credit pools from $10,000 to $100,000+. Only pay interest on funds actively drawn.
Structured Roadmap
From zero credit file to $250k+. A proven 4-stage blueprint.
Building commercial credit is a precise sequence. Apply out of order and lenders reject you. Follow this framework and institutional doors open.
Foundation Tradelines
Establish trade accounts with major vendors that report to D&B, Experian, and Equifax — with no personal credit check required.
Prerequisites
- State LLC or Corp in Good Standing
- Federal EIN + Business Checking Account
- Commercial Phone & Verified Address
Unlocked Accounts
- Uline Corporate Net-30
- Grainger Industrial Net-30
- Quill Office Products Net-30
Why Most Founders Get Denied
Stop risking personal credit. Build institutional power.
Relying on personal credit cards to fund business expenses caps your growth, damages your score, and puts your personal assets at risk.
The Blind Guessing Trap
- Personal SSN Guarantee
High business utilization drags your consumer credit score down 40–80 points, damaging your ability to qualify for mortgages, auto loans, and personal financing.
- Blind Underwriting Denials
Applying without reviewing your commercial bureau file leads to mysterious rejections and wasted hard inquiries — with no explanation from lenders.
- Personal Card Limits Cap Growth
Personal cards max at $5,000–$15,000, severely choking cash flow during inventory builds, seasonal cycles, and expansion opportunities.
- Personal Asset Exposure
When your business hits a rough patch, personal guarantees keep your home, savings, and family finances directly on the hook.
Standalone Corporate Credit
- 100% EIN Corporate Profile
Credit is tied to your business tax ID and reported to D&B, Experian Commercial, and Equifax — completely separate from your personal file.
- 14 Deterministic Milestones
Know your exact 0–100 Readiness Score and fix underwriting gaps before lenders ever run your file. No surprises.
- $50k – $250k+ in Commercial Credit
Revolving lines, vendor terms, and non-dilutive credit at 10x higher limits than consumer cards — without personal credit exposure.
- Zero Personal Liability Protection
Keep company liabilities strictly inside your corporate entity. Your personal credit score stays healthy regardless of business activity.
Founder Experiences
Used by founders across the U.S. building corporate credit.
Illustrative experiences. Individual results vary based on business profile and lender decisions. Crediqly does not guarantee funding approval or specific credit outcomes.
“From zero corporate file to an 80 Paydex with D&B in 60 days.”
We were running the business on personal cards, which was crushing my utilization. Crediqly gave us an exact 4-tier roadmap. Within 60 days we had our Paydex established and were having real conversations with commercial lenders — something I didn't think was possible at our stage.
Marcus Vance
Managing Partner · Apex Freight & Logistics LLC
Atlanta, GA
“The zero-SSN architecture is why I signed up on day one.”
Every other service wanted my Social Security Number and banking passwords. Crediqly diagnosed our commercial filing gaps in 5 minutes and guided us to 3 reporting vendor accounts that seeded our Experian file — all without touching anything personal.
Elena Rostova
Founder & CEO · Lumina Brand Studio
Austin, TX
“The priority engine told us we had a bank account age blocker. Saved us from a denial.”
I was ready to apply for a commercial line. Crediqly showed us our business banking was too new. We waited 30 days, completed the document pack, and submitted with confidence. The lender had everything they needed and we were approved on the first try.
David Sterling
Principal Contractor · Sterling Specialty Contracting
Denver, CO
Start free. Upgrade when you're ready to move faster.
No credit card required to start. Upgrade or cancel anytime.
Free
Explore your business funding readiness.
- Business Profile + Fundability Assessment
- Baseline 0–100 Readiness Score
- Stage 1 Roadmap Preview
- Tier-1 Net-30 Vendor Catalog
- Funding Marketplace Preview
- Limited Recommendations
Foundation
Build it yourself. Know exactly what to do.
- Everything in Free
- Full 4-Tier Business Credit Roadmap
- All Tier 2 & 3 Tradeline Recommendations
- Commercial Banking Directory + Underwriting Criteria
- Pre-Qualification Parameter Simulator
- Context-Aware AI Mentor
- Full Funding Marketplace + 17+ Lender Access
Guided Program · Option B
Guided 12-Month Program
Full 12-month Guided access with monthly 1-on-1 strategy sessions, fundability audit, application sequencing, and priority support. One-time payment with no auto-renewal.
Crediqly is not a lender, broker, or credit reporting agency. Plans provide platform access and educational guidance only. No funding outcome, credit score, or approval is guaranteed.
Frequently Asked Questions
Clear, candid answers.
Everything you need to know about building business credit and preparing for commercial funding.