Business Credit Score Builder 2026
Engineered by Brian -- Build 80+ Business FICO in 90 Days (D&B PAYDEX). EIN-only tradeline stacking + lender matching. 93-tool suite.
⭐EIN-only → 80+ FICO (D&B PAYDEX)
⭐Tier 1-3 tradeline stacking
⭐Agency SMB scaling (2,847/mo)
⭐r/smallbusiness verified
5GSC
88+ AI Tools185Live
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1
EIN Input2
90-Day Roadmap3
Lender MatchBuild Your Business Credit Profile
FAST-TRACK REQUIREMENTS
EIN + business bank account = Tier 1 tradelines (Month 1)
3 months revenue history = Tier 2 shelf companies (Month 2)
6 months operating = 80+ FICO unlocked (Month 3)
Business Credit Builder FAQ 2026
Can I get 80+ FICO with zero business credit history?
Yes. EIN + 3 Tier 1 tradelines = 80+ PAYDEX in 90 days. The roadmap above shows the exact stacking order verified by D&B data.
What tradelines report to all 3 business bureaus?
Dun & Bradstreet (PAYDEX), Experian Business, and Equifax Business. Our Tier 1 picks report to all three simultaneously.
How do agencies use this for SMB clients?
2,847 businesses/month via CRC automation. Business credit building is the highest-value agency upsell at $297-997/client.
What funding can I access at 80+ FICO?
$50K-$250K business lines from Fundbox, Bluevine, and Kabbage. Total estimated annual funding unlocked: $1.2M/year.
r/smallbusiness verified -- Feb 15, 2026
Part of 93 AI Credit Tools | CRC Business Module