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Business Credit Readiness Checklist

Use this checklist to prepare questions before you request a tradeline. No score, reporting outcome or funding approval is guaranteed.

1. Confirm business details

   Check that the legal name, entity status, address and EIN are accurate and consistent across your records.

2. Review existing commercial reports

   Check your business reports for existing accounts and errors. Keep business reports separate from your personal reports.

3. Understand the account

   Ask what actual account or obligation is being reported, who furnishes it and which reporting channels receive it.

4. Clarify SBFE

   SBFE is a commercial credit data exchange. Ask how the provider’s data appears through participating commercial reporting providers.

5. Read a sample report

   Use the sample below to understand how information can appear. A sample is not a promise of your results.

6. Confirm cost and timing

   Confirm package price, expected reporting window, duration and non-posting terms in writing.

7. Separate reporting from funding

   A reported limit is not cash you can spend or a funding approval. Lenders review other business and owner information.

8. Assess funding readiness

   If funding is your goal, start FMB’s readiness review before assuming a business tradeline is required.

Open the sample business credit reports (PDF)

Personal authorized-user tradelines are sold and placed by Conway Connects LLC. Business tradelines are sold and placed by Fund My Brand LLC.