Terms and Conditions

🤝1. Acceptance of these terms

By registering for, accessing, or using the BCC Supplies membership platform (the "Service"), your business agrees to be bound by these Terms and Conditions ("Terms"). If your business does not agree to these Terms, do not use the Service.

These Terms are entered into between BCC Supplies and the business entity enrolling in the Service (referred to as "you" or "your business"), acting through an authorized representative.

✅2. Eligibility

The Service is a commercial product available only to businesses, not individual consumers. To use the Service, your business must:

• Be a legally formed business entity with a valid Employer Identification Number (EIN);
• Be enrolled and represented by an authorized owner, officer, or representative who is at least 18 years old;
• Provide accurate, current, and complete registration information; and
• Not be barred from using the Service under applicable law.

📋3. Description of the service

BCC Supplies provides a fixed-term membership that functions as a commercial installment tradeline reported to major U.S. business credit bureaus under your business's EIN. Depending on your plan, the Service may also include optional tools such as a document generator, a reporting dashboard, and a business resource library.

BCC Supplies is not a bank and does not lend money. Your membership is a commercial installment contract — a fixed-payment agreement for BCC Supplies' own products and services, financed directly by BCC Supplies rather than a third-party lender. No cash is disbursed to you at any point.

That commercial installment contract is what gets reported to the business credit bureaus as a commercial installment tradeline — the same general account-type classification bureaus use for other fixed-payment, structured-debt accounts. Some pages on this site also refer to this as an "installment loan" in a descriptive sense; where that phrase appears, it refers to how the contract is reported and classified, not to a cash loan extended by BCC Supplies.

4. Membership plans, billing & term

Current plans (Foundation, Momentum, and VIP) and their pricing, features, and reporting scope are described on our pricing page and may be updated from time to time. Except for VIP (which is custom-quoted), plans run on a fixed 48-month term at 0% APR, with a total tradeline amount equal to your monthly payment multiplied by the term.

• Membership fees are billed automatically each month through our payment processor, Stripe, using the payment method on file.
• There is no interest and no hidden fees on any plan.
• You are responsible for keeping a valid payment method on file. A failed payment may affect your account status and reporting.

📊5. Bureau reporting

BCC Supplies reports payment activity on your account to one or more major U.S. business credit bureaus (Dun & Bradstreet, Experian Business, and/or Equifax Business, depending on your plan) under your business's EIN. Reporting typically occurs monthly.

BCC Supplies does not guarantee any specific score, rating, tradeline outcome, or financing result. Bureau methodologies, timing, and the ultimate impact of reporting on your business's creditworthiness are determined by the bureaus and by third-party lenders, and are outside our control.

6. Cancellation & early release

Your membership is a fixed-term commercial installment contract for the plan and term you selected at signup — that commitment is what allows your tradeline to report meaningfully to the business credit bureaus over time. There is no self-serve cancel button that ends this obligation on its own.

Early release — want out? No penalty, no questions asked

If you ever want out of your commercial installment contract — for any reason, not just financial hardship — we will release you from the remaining balance. To start, contact us by phone or email and let us know. We work with you toward a resolution: full release, an adjusted arrangement, or another path that closes your account on fair terms. We don't add any penalty or early-termination fee on top of an approved release.

This isn't limited to hardship cases: whatever your reason for wanting out, reach out and we'll find a fair path to close your account without penalty.

Closing a tradeline before the end of its term can also affect your business credit profile — including the average age of your accounts, your number of active trade references, your available credit, and your ongoing payment history momentum. This is a function of how business credit bureaus evaluate accounts generally, not a penalty imposed by BCC Supplies. See our FAQ for a full explanation.

Experian Business 90-day reporting guarantee — all plans

We guarantee your tradeline reports to Experian Business — or you get your money back, no questions asked. You don't need to prove anything or justify your request; we verify it ourselves. Here's exactly how it works: on any plan, we guarantee your tradeline will be submitted to Experian Business, confirmed received by Experian, and visible on an Experian Business report we pull ourselves — all within 90 days of your sign-up date. If you believe we haven't met that within your 90-day window, contact us to request a review. If it's verified as not reported, you choose the remedy: we retroactively submit and correct your Experian Business reporting, or we refund all fees paid during that 90-day period and close your account, no questions asked. Once we've verified your tradeline is reported, this guarantee no longer applies.

This guarantee depends on the accuracy of what you give us. You're responsible for making sure every piece of business information you submit to us — including your legal business name, EIN, formation state, business address, entity type, and any other identifying detail — is accurate, complete, current, and fully consistent with your official entity filings and records (your Secretary of State filing, your IRS EIN registration, and any other government or bureau record reflecting your business). This guarantee does not cover, and we are not responsible for, any failure, delay, rejection, or mismatch in Experian Business reporting that results, in whole or in part, from inaccurate, incomplete, outdated, mismatched, or inconsistent information you provided — including, without limitation, clerical or typographical errors, misspelled or abbreviated legal names, an incorrect EIN, address discrepancies, entity-type errors, or any other input error on your part, whether or not you were aware of the error at the time. If Experian Business (or any bureau) cannot match, verify, or process your tradeline because the information you provided to us differs from what is on file with them, with your Secretary of State, or with the IRS, that outcome is outside our control and is not a basis for a refund or correction under this guarantee. You agree to notify us promptly of any change to your business information and to correct any inaccuracy as soon as you become aware of it. This guarantee covers reporting failures caused by BCC Supplies — it does not cover, and is not intended to cover, any failure, delay, or reporting inconsistency caused by an error, omission, or inconsistency originating from you.

This is separate from the early release policy above: early release forgives your remaining balance if you want out, for any reason; this guarantee refunds fees already paid if Experian Business reporting isn't confirmed in time.

This guarantee covers Experian Business reporting on every plan — it does not extend to Dun & Bradstreet on any plan (Momentum or VIP). D&B's own PAYDEX methodology requires a business to have 3–5 trade experiences reported before D&B will generate a PAYDEX score or publish data on a new business — an outcome that depends on other creditors reporting too, not just BCC Supplies, and is outside our control. Because we can't control whether or when other vendors report to D&B on your behalf, we can't make the same timing guarantee there.

As with early release, closing your account early — including as a result of this guarantee — can affect your business credit profile: it shortens your average account age, reduces your active trade references, and stops contributing positive payment history.

This guarantee took effect on August 8, 2026 — the date this policy was published on our site — and applies to memberships that begin on or after that date.

🧰7. Optional tools & educational content

The document generator, the reporting dashboard, and the business resource library are optional and provided for general business education and convenience. None of these tools are required to receive tradeline reporting, and none of them constitute financial, legal, tax, or investment advice.

Documents generated through the Service are templates only. You are responsible for reviewing and, where appropriate, having qualified professionals review any document before use.

⚠️8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

• BCC Supplies does not lend money, is not a bank, and does not guarantee any score, rating, tradeline outcome, or financing result.
• Content on this site and within the Service — including generated documents and dashboard summaries — is general business information only and is not financial, legal, or tax advice.
• Results depend on how you operate your business, your payment history, and bureau methodology outside our control.

9. Acceptable use

You agree not to: provide false or misleading business information; use the Service for any unlawful purpose; attempt to gain unauthorized access to the Service or other accounts; interfere with or disrupt the integrity of the Service; or use the Service on behalf of a business you are not authorized to represent.

💡10. Intellectual property

The Service, including its software, design, courses, and content, is owned by BCC Supplies or its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Service for your business's internal purposes during your membership. You may not copy, resell, or redistribute the Service or its content without our written permission.

⛔11. Suspension & termination

We may suspend or terminate your access to the Service if you violate these Terms, provide false information, fail to pay amounts owed, or for other reasonable business or legal reasons. Where practical, we will provide notice before suspending or terminating your account. Provisions of these Terms that by their nature should survive termination will survive.

⚖️12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BCC SUPPLIES AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING FROM YOUR USE OF THE SERVICE.

To the extent permitted by law, our total liability for any claim arising from these Terms or the Service will not exceed the total membership fees you paid to BCC Supplies in the 12 months before the claim arose.

🧾13. Indemnification

You agree to indemnify and hold BCC Supplies harmless from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your business's use of the Service, breach of these Terms, or violation of applicable law.

🏛️14. Governing law & disputes

These Terms, and any dispute arising from or relating to them or the Service, are governed by the laws of the State of Florida, without regard to its conflict-of-law principles.

Binding arbitration

You and BCC Supplies agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration, rather than in court, except as set out below.

• Arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules then in effect.
• The arbitration will be conducted by a single arbitrator and will take place in the State of Florida, or another location the parties agree to in writing, and may be conducted by video or phone conference where the arbitrator permits.
• The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
• Each party is responsible for its own attorneys' fees and costs, except as the AAA rules or applicable law otherwise require.

Class action waiver

You and BCC Supplies agree that any arbitration or proceeding will be conducted only on an individual basis and not as a class, consolidated, or representative action. Neither party may bring a claim as a plaintiff or class member in any purported class, collective, or representative proceeding.

Exceptions

Notwithstanding the above, either party may bring an individual action in small claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property or confidentiality obligations.

🔄15. Changes to these terms

We may update these Terms from time to time. We will post the revised Terms with an updated effective date, and continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

Effective date: July 1, 2026