Building business credit can feel overwhelming when you’re starting out — but it doesn’t have to be. Over the past few years, I’ve successfully built over $75,000 in business credit across three companies using a simple blueprint that starts with Tier 1 Net 30 vendors.
The good news? With the right vendors, you can establish a PAYDEX score within 60 days — as long as you pay invoices promptly (I recommend paying as soon as the product is delivered).
Here are the three Tier 1 Net 30 vendors I’ve personally used, trusted, and recommend to all of my clients at The SFields Group.
1. Grainger
Grainger is one of the easiest starter vendors for building business credit. Known for their industrial supplies and business essentials, they also offer a Net 30 account with no personal guarantee (no PG).
- Reports to: Dun & Bradstreet (D&B) and Experian Business
- Credit Line: $1,000 starter account common for new businesses
- Approval: Fast (often within 2 days, by phone application)
- Best For: Industrial, office, cleaning, and safety supplies every business can use
Grainger is one of my go-to recommendations because they reliably report to two major business credit bureaus — which gives your profile a solid boost early.
2. Nav
Nav is more than just a credit monitoring tool — it’s also a Net 30 vendor that reports to all three major business credit bureaus: Dun & Bradstreet, Experian, and Equifax.
- Reports to: D&B, Experian, Equifax
- Credit Line: Functions like a trade account when you subscribe to their paid plans
- Approval: Straightforward sign-up process (no PG required)
- Best For: Entrepreneurs who want to monitor their reports AND build trade lines at the same time
I recommend Nav to all of my clients because it’s one of the few vendors that reports to all three bureaus. That means your payment history goes even further, speeding up your path to a strong business credit profile.
👉 Sign up for Nav here: Nav Business Credit (affiliate link)
3. Uline
Uline is one of the most well-known vendors for shipping, packaging, and office supplies. They also offer a Net 30 account with no PG, though sometimes they require a few prepaid orders before granting full terms.
- Reports to: Dun & Bradstreet (D&B) and Experian Business
- Credit Line: Often starts modest but grows with usage and on-time payments
- Approval: May require a few prepaid orders for brand-new businesses
- Best For: Shipping, packaging, and general office supply needs
With Uline, consistency is key. Once you’re approved for Net 30 terms, paying on time (or early) helps solidify your history with D&B and Experian.
Why These 3 Work Together
When you combine Grainger, Nav, and Uline, you’re hitting all three major business credit bureaus quickly:
- Grainger → Reports to D&B + Experian
- Uline → Reports to D&B + Experian
- Nav → Reports to D&B, Experian, + Equifax
Together, these three vendors give you the coverage you need to generate a PAYDEX score within 60 days, as long as your invoices are paid promptly.
This is exactly how I started with each of my businesses — and it’s the foundation that allowed me to grow over $75,000 in business credit.
What’s Next: Moving Into Tier 2 Vendors
Once you’ve established history with these three vendors, you’ll be ready to graduate to Tier 2 Net 30 accounts and store cards. That’s when your credit profile really starts to open doors to higher credit limits, better terms, and eventually, financing options that don’t rely on your personal credit.
I’ll be sharing my Tier 2 vendor recommendations next on The SFields Group Blog — so make sure you follow for updates.
Bottom Line
Starting business credit doesn’t have to be complicated. With proven Tier 1 Net 30 vendors like Grainger, Nav, and Uline, you can set up your profile, build trade lines, and establish a PAYDEX score in as little as 60 days.
👉 Ready to get started? I recommend beginning with Nav Business Credit, since it reports to all three bureaus and doubles as a monitoring tool.
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