NET-30 VENDOR TRADELINES

This is a simple, comprehensive guide that can help you understand how to establish business credit with net-30 accounts. If you’re looking to improve cash flow, we recommend you review the entire guide to get the full picture of how to build and maintain strong business credit using trade credit starting with NAV.com.

A vendor tradeline account is typically a store account. As you set up your accounts with various vendors, make sure you are working towards or setting up Net 15/30/60/60/90 terms. Payments on Net 15/30/60/90 terms are reported to the business credit reporting agencies. When applying for vendor trade accounts make sure to use your correct business information as it matches on all of your business records.

To make sure the vendors report, make sure your purchase is over $100.00. It typically takes 30-90 days to complete this step and for your payments to report on your business credit reports. Continue to search your reports regularly so you are aware when they start reporting. If you have any questions reach out to CEO HALO.


Each vendor account listed below offers a wide variety of products and services that many businesses can use. By purchasing items you may need for your business on 30/60/90 day payment terms and then paying on (before) time, you may build a positive business credit references.

Please be advised that:

  • these vendors generally don’t check the business owner’s personal credit reports, but they may. Personal credit checks for these types of accounts will generally result in “soft inquiries” that don’t affect personal credit scores, but there’s no guarantee that’s the case. It’s a good idea to monitor your personal credit: you can check your credit scores for free with Credit Nerd.

  • Some of these vendors may require the buyer to make initial purchases before they extend Net-30 terms. This is especially true for new businesses that have not yet established good business credit profiles.

  • While interest is not typically charged if you pay on time, you may forgo a cash discount.

CEO HALO does its best to provide you with helpful information, ultimately it is up to each company to report and we cannot guarantee any specific results by using the services of these vendors. Keep in mind terms and credit reporting arrangements may change at any time.


Before you start applying for vendor accounts, it’s important to target your efforts so you apply for accounts for which you are likely to qualify. Some companies have more stringent requirements.

We recommend you take these steps before you apply for vendor credit:

      1. Get an Employer Identification Number (EIN) from the IRS. Many businesses obtain an EIN for tax-reporting purposes. An EIN will not be the identifying number in the business credit system the way Social Security numbers are for personal credit; however, you may need an EIN for credit applications.

      2. Register your business with your state. We strongly recommend you form a legal entity such as an LLC, S Corp or C Corp. If you decide to continue operating as a sole proprietor (no legal entity) we recommend you at least register your business name as a fictitious name (also known as a “DBA”) with your state. DBA is different from shelf corporations.

      3. Get a D-U-N-S number if your business doesn’t already have one. The duns number is the identifying number in the Dun & Bradstreet business credit database. Not sure if your business has one? Look up your business credit for free here.

      4. List your business phone number with directory assistance. Here’s how.


When you have at least three (3) trade accounts reporting it is time to establish your business credit reports even further. From the list below, select and apply for three more trade accounts. Remember to use your correct business information when applying, as all information should match your business records accurate. You need at least six (6) trade accounts to move on to Tier III. After you have six (6) account reporting, select and apply for four (4) more trade accounts. Remember to use your correct business information when applying, as all information should match your business records perfectly.

CEO HALO is an affiliate of some companies listed below and may be compensated for those referrals. Get started with Net-30 vendor accounts with our partners below.