Business credit · Experian Business + SBFE

Give your business a credit history lenders can see.

Add reported tradelines to your company’s commercial credit profile, so lenders, suppliers and leasing companies see an established business with on-time payment history.

Business reporting channelsExperian Business and SBFE-sourced commercial reporting. SBFE is a business credit data exchange, not a consumer credit bureau.
Up to 5 years of historyEstablished, on-time account history, depending on your company's age.
Posts within 60 business daysAnd stays on your profile for at least 9 months.
See it before you buyReal client reports, with identifying details removed.

From $1,450

See packages & pricing → View sample reports (PDF)

Provided by Fund My Brand LLC

How it works

Three steps. About 60 business days.

Pick your tradelines

Choose a single tradeline on one bureau, or a package that reports to both.

Free review, then check out

Fund My Brand reviews your business first, then you pay up front and send your details.

Watch them report

Tradelines post within 60 business days. Pull your Experian Business and SBFE-powered reports to see them.

Proof

See exactly how they report.

105 pages of real Experian Business, SBFE and LexisNexis reports from clients who bought these tradelines. Names, addresses and ID numbers are removed.

Experian Business report (sample, identifying details removed) — **Experian Business report**Your business credit score and the trades lenders see.

Experian credit summary (sample, identifying details removed) — **Experian credit summary**Balances, payment trend and a recommended credit limit.

LexisNexis report with SBFE data (sample, identifying details removed) — **LexisNexis report with SBFE data**How SBFE-reported trades show up on a third bureau.

View all sample reports (PDF) →

Free fundability review

Every business is reviewed first, free.

Before you pay, Fund My Brand LLC checks that your business is ready for tradelines to post and for lenders to take it seriously.

What we check

Active and current with your Secretary of State, with filings up to date
A real business address, not a P.O. box or mail drop
A business phone number, ideally toll-free
A business website and a domain email address
A privacy policy and terms on your website
Business listings on Google, 411, Yelp and others

Missing something?

Do it yourself: the review tells you exactly what to fix.
Or have it done for you. Fund My Brand LLC sets up what's missing for a flat fee, quoted in writing before you pay.
Either way, you won't pay for tradelines that can't post.

Packages

Report to both bureaus.

Each package places the same tradelines on Experian Business and SBFE, so both files show the history.

Package A

$100Ktotal reported across both bureaus

Experian Business: $25K + $25K
SBFE: $25K + $25K
4 tradelines in all

$3,050

$30.50 per $1K reported

Choose Package A

Package B

$200Ktotal reported across both bureaus

Experian Business: $50K + $50K
SBFE: $50K + $50K
4 tradelines in all

$4,000

$20.00 per $1K reported

Choose Package B

Package C

$320Ktotal reported across both bureaus

Experian Business: $25K + $50K + $85K
SBFE: $25K + $50K + $85K
6 tradelines in all

$5,475

$17.11 per $1K reported

Choose Package C

Package D

$400Ktotal reported across both bureaus

Experian Business: $100K + $100K
SBFE: $100K + $100K
4 tradelines in all

$6,475

$16.19 per $1K reported

Choose Package D

Lowest cost per $1K reported

Package E

$600Ktotal reported across both bureaus

Experian Business: $50K + $100K + $150K
SBFE: $50K + $100K + $150K
6 tradelines in all

$8,650

$14.42 per $1K reported

Choose Package E

Package F

$1Mtotal reported across both bureaus

Experian Business: $50K + $100K + $150K + $200K
SBFE: $50K + $100K + $150K + $200K
8 tradelines in all

$15,000

$15.00 per $1K reported

Choose Package F

Single tradelines

Or start with one.

One tradeline on your choice of Experian Business or SBFE.

Reported limit	Price
$25K	$1,450	Choose
$50K	$1,750	Choose
$75K	$2,100	Choose
$100K	$2,550	Choose
$250K	$3,550	Choose

SBFE auto lease tradelines

Up to $400K in auto lease history, up to 48 months.
5% of the limit. A $100K auto tradeline is $5,000.
Helps when you apply for a vehicle lease in your business's name.

Ask about auto leases

Before you buy

Your company must be active with your Secretary of State.
Use a real business, home or virtual office address. The bureaus reject P.O. boxes and UPS Store mailboxes. If yours is a P.O. box, the tradelines go on your home address first, then move to your virtual office.
Tradelines over $50K need a business at least 1 year old. Companies 3 to 12 months old can get one $25K tradeline per bureau.
Companies under 2 years old won't post with a balance below 50% of the limit.
Payment is due up front by Zelle, Cash App, ACH or wire (+$25 wire fee). Equifax business tradelines aren't available.

Also reviewing your personal credit? The personal calculator models consumer accounts; it does not size business packages.

Open the Personal Calculator →

Know the difference

Personal AU tradelines vs. business tradelines.

They solve different problems. Authorized-user tradelines touch your personal score; business tradelines build your company's own credit file.

Personal AU tradelines

Business tradelines (Experian + SBFE)

What it is

A spot as an authorized user on someone else's credit card.

A tradeline reported on your business's own credit file, including auto leases.

Where it reports

Equifax, Experian and TransUnion personal credit files.

Experian Business and SBFE. Equifax Business isn't available.

What it affects

Your personal FICO score: utilization, account age and payment history.

Your business credit profile: creditworthiness, limits and fundability. Not your personal score.

How fast it shows

In the card's reporting window, usually 2 to 4 weeks after you order. It has to be ordered before the card's cutoff date.

Within 60 business days of payment, about 9 to 12 weeks.

How long it lasts

Two statement cycles, about 2 months, then you're removed.

At least 9 months on file, with up to 5 years of history depending on your company's age.

Who controls it

The card issuer and the primary cardholder.

The provider's reporting schedule.

What you need

Identity and address details that match your credit file.

A company active with your Secretary of State and a real business, home or virtual office address. No P.O. boxes or mail drops.

How lenders see it

Adds age and limits to your personal file, but lenders prefer primary accounts. Manual mortgage underwriting and newer scoring models can discount authorized-user accounts.

Adds high-limit, comparable credit that lenders look at when sizing business funding.

Typical cost

Roughly $400 to $2,500 per card, depending on card age and limit.

$1,450 to $15,000, depending on size and whether it's a single trade or a package.

Auto lease option

Not available.

SBFE auto lease tradelines up to $400K.

This page is for business tradelines. Personal authorized-user tradelines are a different product, sold and placed by Conway Connects LLC. See personal tradelines for the live card list.

Questions

Before you choose.

Will tradelines guarantee funding or a certain score?+

No. Tradelines add reported account history to your business credit files. Lenders make their own decisions, and they weigh tradelines alongside your revenue, time in business, personal credit and more.

Where are business tradelines reported?+

Experian Business and SBFE-sourced commercial reporting. SBFE is a business credit data exchange, not a consumer credit bureau. SBFE data also appears on SBFE-certified reports such as LexisNexis. Equifax business tradelines are not available.

How long until they show up?+

Within 60 business days of payment. The sample reports show what a posted tradeline looks like.

My business is new. Can I still buy?+

Your company must be at least 3 months old. Until it's 1 year old, you can receive one $25K tradeline per bureau; tradelines over $50K need a business at least 1 year old. Companies under 2 years old won't post with a balance below 50% of the limit.

How long do they stay on my file?+

At least 9 months. Each tradeline carries from 4 months to 5 years of history, depending on your company's age.

How do I get proof they posted?+

Fund My Brand provides an SBFE online printout as proof of posting. You can also request your yearly SBFE-powered report from LexisNexis for free.

How do I check my reports?+

Nav offers business credit monitoring (about $49.95 a month). For Experian, smartbusinessposts.com sells a single Experian Business report (about $49.95), or Experian Business Credit Advantage monitoring (about $189 a year) shows every trade. Prices are set by those companies.

How do I pay?+

Payment is due up front by Zelle, Cash App, ACH or wire transfer. Wire transfers add a $25 fee.

What if my business doesn't pass the review?+

Nothing is charged for tradelines until your business is ready. You can fix the gaps yourself with the free Business Fundability Checklist, or Fund My Brand LLC can set them up for a flat fee, quoted in writing before you pay.

Who provides the tradelines?+

Fund My Brand LLC sells, places and services every tradeline directly.

Do you offer personal credit tradelines?+

Not on this page. Personal authorized-user tradelines are a separate product, sold and placed by Conway Connects LLC. See the comparison above for how they differ.