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

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

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

Think Kikoff or KovoCredit for your business — the same fixed-payment mechanic, reporting to the business bureaus under your EIN, never your personal SSN.

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.

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.

Sample Account Snapshot

Tradeline Amount $1,872

Bureaus Reporting ✓ D&B ✓ Experian Business

Payment Status ✓ On-Time, Reporting Monthly

Illustrative example — actual bureau reporting varies by plan.

Get Started for $19

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

Business Credit Lies & Traps

Six myths that cost founders money — and the real FTC cases, laws, and numbers behind each one.

Business Credit DeskRead Article

Cancel Anytime.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

You Know How Kikoff Works for Personal Credit. Here's How We Do It for Your Business.

Building consumer credit used to require expensive credit cards or high-interest loans — until micro-installment apps like Kikoff and KovoCredit proved there was a smarter way. BCC Supplies takes that proven mechanic and points it strictly at your business entity:

Same Mechanics: A low, fixed monthly payment reported as a fixed-term commercial installment contract.
Different File: Reports strictly to commercial credit bureaus under your EIN — never your personal SSN.
Zero Personal Risk: No hard pulls, soft pulls, or personal guarantees required.

You wouldn't use a consumer credit card to build a corporate profile. Don't rely on consumer credit apps to do a business tool's job.

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.

See your plan options →

Built different, on purpose

The "Kikoff Strategy" — Rebuilt for Your Business.

Apps like Kikoff and KovoCredit revolutionized personal credit by turning small monthly payments into high-value installment tradelines. We brought that exact playbook to commercial credit.

Personal Credit Builders build your personal FICO score using your SSN.

BCC Supplies builds your corporate credit profile using your EIN.

No personal credit pulls. No personal guarantees. Just automated installment reporting directly to Dun & Bradstreet, Experian Business, and Equifax Business.

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 →

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.

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.

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.

🔓 Locked In For Results, Not For You

Every plan below runs a 48-month term on paper — but a penalty-free release is available anytime, for any reason. Contact us and we'll work with you toward an exit, with no added fees or hidden penalties, ever.

Foundation

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

$19/mo

48-month term · $912 tradeline reported

Experian Business only — 1 of 3 major bureaus
Dun & Bradstreet — Momentum & up
Equifax Business — VIP only
No personal guarantee or credit pull
Reporting dashboard
AI Business Advisor
Document generator — 5/mo
Access to our Fundability Hub
Email support

Want your file reporting to 2 bureaus instead of 1? Momentum adds Dun & Bradstreet →

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, live credit consulting, and exclusive access to Lendavo™

Reporting to Experian Business
Reporting to Dun & Bradstreet
Higher starting tradeline limit
Reporting dashboard
AI Business Advisor
Exclusive access to Lendavo™ — our funding partner network, helping your business find real financing as your file grows
Document generator — 25/mo
Business credit consulting
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
AI Business Advisor
Exclusive access to Lendavo™ — our funding partner network, helping your business find real financing as your file grows
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 →

🇺🇸Proudly Small Business Owned — you're not just building your credit file, you're supporting one too.

🚫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 →

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 by a small business, for small 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