Yes, you can cancel your membership directly from inside your account at any time. We will never charge you any cancellation penalties or hidden fees. However, we want to be completely transparent with you: while we do not penalize you, closing a commercial installment tradeline early can negatively impact your business credit profile. Here is a detailed breakdown of how closing an account affects your business credit profile: It shrinks your credit history: Business credit bureaus factor in the average age of your accounts. Closing a tradeline, especially one you have had for a while, lowers that average age. A shorter credit history can make your business appear less experienced to potential lenders. It reduces your active trade references: Business credit scores (such as the Dun & Bradstreet PAYDEX score) rely heavily on the total number of active vendors reporting positive payment experiences. Closing an account removes an active trade reference, resulting in a thinner, weaker credit file. It lowers your available credit: When you close an account, your total available credit drops. If your business carries balances on other cards or loans, reducing your available credit will instantly increase your credit utilization ratio — a key metric that can drag down your score if it gets too high. It halts positive payment momentum: Open, active accounts build a continuous, rolling history of on-time payments. Once a tradeline is closed, it stops feeding fresh, positive data to the commercial credit bureaus, stalling the momentum you need to grow your score.

0% APR · Fixed Monthly Payment · Reports Automatically

Business Credit, On Autopilot.

Set it up once, your commercial tradeline reports itself. EIN only.

No spreadsheets, no reminders, no guesswork. Set up your commercial installment contract once, and it reports itself to Dun & Bradstreet, Experian, and Equifax Business every month.

Start My Autopilot Tradeline → How it works

EIN only. No personal guarantee. No hard or soft pulls.

★★★★★ 3,500+ businesses building credit on the platform

GENERAL BUSINESS EDUCATION, NOT FINANCIAL ADVICE · CANCEL ANYTIME, NO PENALTIES OR FEES

You incorporated your business so it could operate on its own. Your credit should work the same way. One commercial installment contract, set up once, quietly builds your Dun & Bradstreet, Experian, and Equifax Business profiles in the background while you focus on running things.

How it works

One commercial installment tradeline. Three steps, in order.

Every month, you pay a fixed membership fee — Momentum starts at $39. We report that payment to Dun & Bradstreet, Experian, and Equifax Business, the same way a lender reports a loan payment. Multiply your fee by the 48-month term, and that total — $1,872 on Momentum — becomes your reported credit limit from day one. You're not borrowing it; you're building the track record of paying it.

Watch the 2-minute walkthrough — no SSN, no personal guarantee.

Apply with your EIN

No SSN, no personal credit pull — your business's EIN is all that's required.

Choose a plan & agree to terms

Review your installment contract — fixed payment, fixed term, 0% APR.

Term complete — profile built

Pay down or close early any time, with no penalty.

Revolving credit (typical — still building at month 48)

Your installment tradeline Reports as High Credit — Day 1

Day 0 Month 48 — pay down or close early, no penalty

See your plan options →

3,500+

Thousands in credit established

Major business credit bureaus reported to

APR on Foundation & Momentum plans

48 mo

Fixed term on Foundation & Momentum

Self-reported platform totals, reviewed internally before publishing — not third-party audited.

From businesses on the platform

What one fixed monthly payment has quietly built.

★★★★★

Marcus Vance

Over-the-Road Hauling & Logistics

✓Verified Customer

When you operate over-the-road, fuel, maintenance, and equipment costs can easily suffocate your cash flow if you're relying entirely on personal cards. I needed to establish real commercial credit to buy my next rig, but every vendor demanded a personal guarantee and an SSN pull. BCC Supplies changed the game for my trucking business. Registration used just my EIN, and they reported my high credit limit to D&B and Experian Business right away. It's one fixed monthly expense I can easily account for while hauling freight, and it's quietly building the corporate credit history I need to expand my fleet without putting my family's personal finances on the line.

★★★★★

Elena Gomez

Sol & Luna E-Commerce Brands

✓Verified Customer

Running an e-commerce brand means you are constantly sinking capital into bulk manufacturing, seasonal inventory, and ad spend before you see a single dollar of profit. I wanted to establish real commercial credit to buy inventory at scale, but every card or vendor required an SSN pull that tanked my personal credit score. BCC Supplies solved that exact problem. Setup took minutes using just my EIN, and they reported my high credit limit to D&B and Experian Business immediately. The flat monthly payment fits perfectly into my predictable SaaS and marketing overhead. It has given my brand the independent corporate footprint I need to negotiate net-30 terms directly with overseas manufacturers.

Real customers, quoted with permission and reviewed before publishing. Individual results depend on payment history, business profile, and bureau methodology — testimonials aren't independently audited the way our data claims are.

What's in the account

We traded the supply catalog for a business credit growth engine.

Inside your account, you'll find the education, document generators, and reporting tools you actually need.

Take the full platform tour →

📄

Document generator

Generate clean business documents from guided templates in minutes — no blank-page guesswork.

📈

Reporting dashboard

See your tradeline balance, payment status, and exactly what's been sent to each bureau — updated every cycle, in one place.

🧭

Business credit consulting

Get expert eyes on your file — talk through your reporting timeline and what to do next with someone who knows the bureaus. Included on Momentum.

Built different, on purpose

The proven installment-loan credit builder—rebuilt entirely for your EIN. No SSN. No personal guarantee.

Think of it as Kikoff for business — same playbook as Kikoff and KovoCredit, just pointed at your EIN instead of your SSN.

Kikoff and KovoCredit are personal credit-builder apps, built for individual consumers — they were never designed to build business credit. This isn't "better vs. worse." It's a different tool built for a different job, laid out side by side so you can see exactly where the two diverge.

What it does

Kikoff & KovoCredit

Identifier used to open the account

≠Social Security number

✓Your EIN

Whose file grows

≠You, personally

✓Your business, as its own entity

Reports to

≠Experian, TransUnion

✓D&B, Experian Business, Equifax Business

Scoring model

≠FICO / VantageScore

✓Business-specific (e.g. PAYDEX) — no single unified score

Personal guarantee

≠N/A — personal account by design

✓Not required to open your tradeline

Who it's for

≠Individuals building or repairing personal credit

✓Business owners building credit separate from personal finances

Kikoff and KovoCredit are consumer credit-building apps. BCC Supplies is not affiliated with, endorsed by, or sponsored by either; names are used solely for comparison. Details accurate as of this page's last review — verify current terms directly with each provider.

Read the full breakdown: Kikoff for business →

Plans & terms

Business Credit Builder Plans Starting at $19/mo.

Every plan runs a 48-month term at 0% APR and reports automatically, every cycle. Pick the tradeline size that fits where your business is headed — plus business education and tools — Momentum also includes business credit consulting. Nothing in the account is required to get reported.

See the full plan comparison and pricing FAQ →

How Your Tradeline is Calculated and Reported

Your tradeline is structured as a pre-set commercial installment plan with BCC Supplies. The total contract amount is calculated by multiplying your monthly membership fee by 48 months. From day one, this total amount is reported to the credit bureaus as your "high credit" limit. Each monthly payment you make is applied directly to this balance, decreasing what you owe while paying for your ongoing access to our platform's services, tools, and education. You build a strong payment history as the balance is paid down to zero.

Foundation

For new businesses just starting to build a file from scratch.

$19/mo

48-month term · $912 tradeline reported

Reporting to Dun & Bradstreet
No personal guarantee or credit pull
Reporting dashboard
Document generator — 5/mo
Exclusive access to Lendavo™, the Capital Intelligence Platform
Access to our Fundability Hub
Email support

Select Foundation

Momentum

For growing businesses ready to build on both major bureaus at once.

$39/mo

48-month term · $1,872 tradeline reported

+$20/mo unlocks: a 2nd bureau, 2x the document limit, and live credit consulting

Reporting to Experian Business
Reporting to Dun & Bradstreet
Higher starting tradeline limit
Reporting dashboard
Document generator — 25/mo
Business credit consulting
Exclusive access to Lendavo™, the Capital Intelligence Platform
Access to our Fundability Hub
Priority support

Select Momentum

Bespoke

VIP

For established businesses that want maximum tradeline size on terms built around them.

Custom pricing

Reports to all major business bureaus

All of Momentum's tools and reporting
Reports to all three business bureaus
Unlimited document generator
Custom build-out of additional services for your business
Dedicated account manager
White-glove support

💬 Talk to a Specialist

🛡️

Try it without the fear of getting stuck. Cancel anytime from inside your account — no penalties, no fees, no phone call required. If it's not right for your business, walk away at zero cost.

BCC Supplies does not lend money and does not guarantee any score, rating, or financing outcome. Results depend on how you run your business and on bureau methodology outside our control. This is general business information, not financial advice. Cancel anytime, with no penalties or fees. See how this is structured →

🚫We Never Sell Your Data — used only to build and report your tradeline.

Payments Secured by Stripe — PCI Level 1 certified, card details never stored.

Questions, answered plainly

Before you sign up.

Browse the full FAQ, searchable by topic →

To better support your business growth, our platform has evolved to focus entirely on actionable education and powerful tools. Instead of selling supplies ourselves, we retired the original catalog and built a document generator and reporting dashboard directly into your account.

No. You sign up with your EIN. The credit file we build belongs to your business, not to you personally.

The major business credit bureaus — Dun & Bradstreet, Experian Business, and Equifax Business. Higher plans include reporting to more of them; everything we report to is included in your plan price.

Every plan operates at 0% APR for its entire duration, with no extra fees or cancellation penalties. Your monthly payments are applied directly to your commercial installment contract, which simply finances your business's access to our exclusive AI tools and education. (BCC Supplies does not lend money — see how this is structured →)

What Kikoff does for your personal score, BCC Supplies does for your business — EIN only, personal credit stays out of it. Same fixed-payment mechanism, different file, different bureaus.

Yes, you can cancel your membership directly from inside your account at any time. We will never charge you any cancellation penalties or hidden fees.

However, we want to be completely transparent with you: while we do not penalize you, closing a commercial installment tradeline early can negatively impact your business credit profile. Here is a detailed breakdown of how closing an account affects your business credit profile:

It shrinks your credit history: Business credit bureaus factor in the average age of your accounts. Closing a tradeline, especially one you have had for a while, lowers that average age. A shorter credit history can make your business appear less experienced to potential lenders.
It reduces your active trade references: Business credit scores (such as the Dun & Bradstreet PAYDEX score) rely heavily on the total number of active vendors reporting positive payment experiences. Closing an account removes an active trade reference, resulting in a thinner, weaker credit file.
It lowers your available credit: When you close an account, your total available credit drops. If your business carries balances on other cards or loans, reducing your available credit will instantly increase your credit utilization ratio — a key metric that can drag down your score if it gets too high.
It halts positive payment momentum: Open, active accounts build a continuous, rolling history of on-time payments. Once a tradeline is closed, it stops feeding fresh, positive data to the commercial credit bureaus, stalling the momentum you need to grow your score.

Get a commercial tradeline your business can grow on — on autopilot.

Education, tools, and fair terms — built for EIN-based businesses. No SSN on the application, no personal guarantee, no hard or soft pull, and cancel anytime with no penalties or fees.

See plans from $19/mo Talk to a specialist

GENERAL BUSINESS EDUCATION, NOT FINANCIAL ADVICE