Not through a self-serve button — every plan is a fixed-term commercial installment contract, but you're never locked in. Contact us by phone or email for any reason and we'll work with you toward a release; an approved release never carries an added penalty or hidden fee. We also want to be completely transparent with you: even with an approved release, closing a business 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 business credit bureaus, stalling the momentum you need to grow your score.

No Hidden Fees · Fixed Monthly Payment · Reports Automatically

Join Our Credit-Building Platform.
Secure a $1,872 Business Tradeline.

Skip the Overpriced Net-30s. Build Real Credit for Less.

Stop spending hundreds a month on products you don't need just to generate a credit report. Instead, finance our business growth platform to secure a large-dollar tradeline that actually moves the needle.

As direct commercial data furnishers, we get you established without the industry runaround:

✓A Fraction of the Cost: Stop overpaying for minimum monthly orders or subscriptions that just show up as another Net-30 invoice. Get real credit-building power for less.
✓High-Value Reporting: Financing our platform unlocks a significantly larger tradeline amount, giving your new financial profile a massive head start.
✓Lender-Respected History: Basic Net-30 invoices carry little weight with serious lenders. We report a real commercial installment contract, proving your business can responsibly manage long-term debt.

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

*90-DAY EXPERIAN BUSINESS REPORTING GUARANTEE, ALL PLANS — SEE TERMS & CONDITIONS FOR DETAILS

Net-30 vs. Business Installment Tradelines

Which builds better credit? See what each reports and how lenders weigh them.

Business Credit DeskRead Article

Best Net-30 Accounts for 2026 (And Why to Skip Them)

The traditional Tier-1 vendor list — and why serious founders are moving past it.

Business Credit DeskRead Article

Zero Lock-Ins.Get the power of a business contract with a penalty-free, cancel-anytime guarantee. ✓ We Guarantee You're Reported — Or Your Money Back, No Questions Asked* →

How it works

One business 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.

Video Testimonial

Hear it directly from Chris in Las Vegas.

Chris Las Vegas, NV ✓Verified Customer

No script, no actor — just a real BCC Supplies customer talking about building a business credit file with nothing but an EIN.

★ Premium Add-On Services

Premium Personal Credit Repair

Specialized Personal Credit Repair.

We also offer premium personal credit repair services with the capability to remove inquiries from your credit file. This is a premium, hands-on service for serious clients.

Inquiry Removal

We have the means to remove inquiries from your personal credit file — a specialized capability most services cannot offer.

Proven Track Record

Specialized experience and a proven process on every case. Premium service for serious clients.

Discrete & Professional

White-glove service with complete privacy. Your credit situation is handled with the utmost discretion.

Personal Credit Profile Optimization

We work your full profile — balances, utilization, account mix — for a holistic strengthening strategy, not a single quick fix.

Guaranteed Results

Results you can count on — our process is built to deliver, backed by our guarantee.

Credit Bureau Algorithm Unlock

We know how each bureau's scoring model actually weighs your file, and build your strategy around that — not generic advice.

Become a Business Data Furnisher

Report Your Own Customers' Payment Data to the Big 3 Bureaus.

We also help qualified business owners become approved business data furnishers with Dun & Bradstreet, Experian Business, and Equifax Business — so instead of just being reported on, you can report your own customers' payment activity to the bureaus yourself. Every applicant goes through an eligibility screening process to confirm they meet each bureau's minimum requirements before approval.

Big 3 Bureau Furnisher Approval

We help you get approved to furnish data directly to Dun & Bradstreet, Experian Business, and Equifax Business.

Eligibility Screening

Every applicant is screened to confirm they meet each bureau's minimum requirements before approval.

Guided Application Support

We walk you through the entire application and setup process, start to finish.

Both personal credit repair and data furnisher approval are premium services that require a consultation. To inquire, contact us directly — for data furnisher approval, put "Data Furnishing" in your email subject line, or simply call us.

Email Us Contact Form Call Us

Premium personal credit repair and data furnisher approval support are separate services from our business credit platform. Approval as a business data furnisher is determined solely by each bureau based on their own eligibility criteria, and outcomes vary. Contact us for a consultation to discuss your specific needs.

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 business 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 Experian Business
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

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. Early release is available anytime, for any reason, with no added 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.

Not working out? Exit anytime, no penalty. Not through a self-serve button — every plan is a fixed-term commercial installment contract — but you're never locked in. Contact us by phone or email for any reason and we'll work with you toward a release. An approved release never carries an added penalty or hidden fee.

However, we want to be completely transparent with you: while we do not penalize you, closing a business 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 business credit bureaus, stalling the momentum you need to grow your score.

Put Your Business Credit On Autopilot.

Education, tools, and fair terms — built for EIN-based businesses. No SSN, no personal guarantee, no hard or soft pull, and an early release if you ever want out — no penalty, no questions asked.

Get My Tradeline Reporting → Talk to a specialist