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.
How it works
Five steps. Always one clear next action.
No guesswork and no 50-page course. Crediqly checks where your business is today and tells you exactly what to do next — then tracks it for you.
- 1
Establish
Set up the basics lenders check first: entity, EIN, business bank account, phone, address and website.
- 2
Get on the bureaus
Get your D-U-N-S number and make sure Dun & Bradstreet, Experian and Equifax have a file for you.
- 3
Open starter accounts
Open 3–5 net-30 vendor accounts that actually report. Track due dates and pay early in your Credit File.
- 4
Strengthen
Add store, fleet and business cards, keep balances low and watch your PAYDEX and Experian scores grow.
- 5
Get funded
Check lender requirements, prepare your documents and apply only where you’re likely to qualify.
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.
Structured Roadmap
The credit tiers lenders look for — in the right order.
Business credit is built in a sequence. Applying out of order leads to denials. Crediqly shows you which tier you’re ready for today.
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 Crediqly
The guidance of a $3,000 program, at the price of a monitoring app.
Score-monitoring apps $0 – $75/mo | Done-for-you programs $2,000 – $4,000 | Crediqly Free to start · $47.99/mo | |
|---|---|---|---|
| Step-by-step plan with one clear next action | |||
| Tracks your vendor accounts & payment due dates | |||
| Payment reminders before due dates | |||
| Shows which vendors report to which bureau | |||
| Score history across D&B, Experian, Equifax & SBSS | |||
| Fundability score + lender requirement check | |||
| No SSN or bank login required to start | |||
| Cancel anytime |
Typical features and prices for each category of service; individual products vary.
Example journeys
How Crediqly guides different businesses.
Illustrative scenarios, not customer reviews. Results vary based on business profile, payment history and lender decisions. Crediqly does not guarantee funding approval or specific credit outcomes.
Freight & logistics LLC · 1 year in business
Starting from an empty business credit file
Situation: Expenses running through the owner’s personal cards, no reporting accounts, no D&B profile.
What the roadmap does: Crediqly flags the missing DUNS number and business phone listing first, then sequences three starter net-30 vendors that report to Dun & Bradstreet.
Creative studio · single-member LLC
Keeping business and personal credit separate
Situation: Owner wants business credit without new personal inquiries.
What the roadmap does: The roadmap prioritises vendors that don’t pull personal credit and that report to Experian Business, and tracks each account’s payment dates.
Specialty contractor · 3+ years
Knowing when to apply — and when to wait
Situation: Ready to apply for a commercial line, but the business bank account is only two months old.
What the roadmap does: The readiness score highlights the bank-age blocker, so the owner builds statement history and prepares documents before applying.
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.
- Fundability Score (0–100)
- Step 1 of your 5-step plan
- My Credit File: track accounts & scores
- Payment due-date reminders
- Starter net-30 vendor list
- Funding document checklist
Foundation
Build it yourself. Know exactly what to do.
- Everything in Free
- Full 5-step plan, every task unlocked
- All vendor, store, fleet & card recommendations
- Business bank matches + lender criteria
- Pre-qualification check before you apply
- AI credit advisor
- Full funding marketplace (17+ options)
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.