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Business credit,
built around your goals.
Add real, permanent business credit — Tier 1 through Tier 4 financial lines reporting to D&B, Experian, Equifax, and SBFE. Lift your SBSS score and position your business for SBA-grade lending in 60 to 90 days.
From your current profile to a credit story lenders take seriously.
A clear path from intake to bureau-visible — guided by a real specialist, not a calculator.
Profile
Share your business, current credit profile, and the funding goal you're building toward. Quick, no credit pull.
Plan
A specialist designs a custom mix of trade lines — vendor, revolving, installment — sized to the credit you actually need.
Add
Trade lines are attached to your business credit profile and registered with the major bureaus.
Build
Reports flow in over 60–90 days. Your profile strengthens, your score lifts, and lender doors open.
Tell us about your business and the credit story you're trying to build. About 3 minutes — no credit pull, no documents.
Business basics
Industry, time in business, monthly or annual revenue, and ownership structure.
Current credit profile
What's already on D&B, Experian Business, Equifax Business, and SBFE — accounts, scores (PAYDEX, SBSS, Intelliscore), anything missing.
Funding goal
How much credit you're building toward and which lender programs you're targeting (SBA, bank-grade lines, etc.).
Bureaus on file
Whether your business has a D&B number, Experian Business + Equifax Business profiles, and SBFE coverage — we add what's missing.
Timeline
When you'll need this credit visible — drives the mix of fast Tier 1 lines vs. high-impact Tier 3–4 financial lines.
A specialist designs a custom mix across Tiers 1 through 4 — vendor lines for fast reporting, bank-grade financial lines for SBSS and SBFE depth, all chosen for the lenders you'll actually approach.
Strategy call
A working session to walk through your current profile, target lender programs, and the credit story we're building.
Tier 1–2 (vendor + revolving)
Net 30 vendor accounts and revolving credit — fastest to report, establish baseline PAYDEX and credit history.
Tier 3–4 (financial lines)
Bank-grade credit lines and installment accounts that report to SBFE — the financial-grade history SBA and bank underwriters care about most.
Bureau + SBFE coverage
Mix selected to report to D&B, Experian Business, Equifax Business, and the Small Business Financial Exchange — the full data set serious lenders pull.
SBSS-aligned strategy
Calibrated to lift your FICO SBSS score — the score SBA-preferred lenders use to qualify business borrowers — not just to add volume.
Custom quote, signed agreement
A flat-priced quote up front and a signed agreement before any lines are placed. No surprises.
Trade lines are attached to your business credit profile and registered with the major bureaus. Each line is permanent — once it's on, it stays.
Profile prep
Bureau registrations confirmed (D&B number, Experian Business, Equifax Business, SBFE eligibility) and any gaps closed before placements.
Tier 1 vendor accounts
Net 30 vendor lines attach first — fastest to report, lowest-risk PAYDEX signal.
Tier 2 revolving credit
Revolving credit lines add depth — active balance and payment behavior across multiple bureaus.
Tier 3–4 financial lines
Bank-grade credit lines and installment accounts placed — the SBFE-reporting financial history that moves your SBSS score.
Bureau + SBFE registration
Each line registered with the four data sources your specialist selected. Confirmation tracked end-to-end.
Reports flow in over 60 to 90 days. PAYDEX establishes, SBSS lifts, your SBFE record builds, and the lender doors that were closed start to open.
First reports (30 days)
Tier 1 vendor lines hit D&B and Experian. PAYDEX score establishes if it wasn't already.
SBSS lift (60 days)
Tier 2–3 lines report, including SBFE-eligible accounts. FICO SBSS score moves into SBA-eligible range.
Profile maturity (90 days)
Tier 3–4 financial lines fully visible across all bureaus + SBFE. Profile is now what lenders actually see when they pull you.
Lender-ready position
Pre-qualify for SBA 7(a) and bank-grade credit lines that weren't reachable before — the programs that gate on SBSS.
Permanent foundation
These lines stay on your profile permanently — every future lender sees the credit story you built.
Sized to your funding goal — not one-size-fits-all.
Every package is custom-built to match the credit story your future lenders need to see. Pricing is a flat percentage of the credit being added, quoted upfront before any work begins.
Foundation Boost
Starter · 60-day reportingFor businesses just establishing business credit. A targeted vendor + revolving mix to set the foundation lenders look for.
Growth Boost
Most popular · 60–90 day reportingFor established businesses targeting serious lender access. A diversified mix that lifts profile depth across all major bureaus.
Strategic Boost
Bank-grade · 90-day reportingFor businesses positioning for SBA, bank-grade lending, or large credit lines. Maximum profile depth, broadest bureau coverage.
Custom Plan
Tailored to your goalAcquisition financing, large-deal credit positioning, or unique business models. Specialist designs the mix that fits your specific play.
Industry-grade infrastructure, working in your corner.
When you work with We Fund Now, you're tapping into one of the country's most established business credit-building networks — direct trade line relationships across all major bureaus, paired with the technology to build credit profiles lenders take seriously.
Meet the team behind your credit plan
Real specialists, not a chatbot.
Real businesses, real credit lifts.
A few of the operators we've helped move from "credit-invisible" to "lender-ready" — without burning their personal credit.
We had no business credit profile to speak of. Specialists built us a real one — vendor lines, revolving, installment — and 90 days later D&B was actually showing what we needed. Funding doors that wouldn't even open before are open now.
They didn't just sell me trade lines — they explained which ones would actually move the needle for the lenders we were targeting. The strategy mattered more than the volume.
We were ready for our SBA application but the business credit profile wasn't. They built it out, gave it 90 days to season, and we walked into the SBA review with the profile we needed.
Common questions, answered.
If your question isn't here, your specialist will walk you through it on your call.
Trade lines are credit accounts — vendor (Net 30), revolving credit, installment — that report to the major business credit bureaus. We add them to your business profile so lenders can see real, paid-perfectly credit history when they evaluate you.
The main lift is on your FICO SBSS score — the score most SBA-preferred lenders and banks use to qualify business borrowers. Your PAYDEX (D&B), Intelliscore Plus (Experian Business), and Equifax Business score all improve in parallel as the trade lines report.
Tier 1 is vendor credit (Net 30 accounts) — fastest to report. Tier 2 is store and revolving credit. Tier 3 is bank-grade revolving and installment credit. Tier 4 is financial-grade credit lines that report to SBFE. Higher tiers carry more underwriting weight, especially for SBA and bank lending.
Yes — our Tier 3 and Tier 4 financial lines report to the Small Business Financial Exchange (SBFE), the data set every major SBA lender and bank pulls when underwriting a business. SBFE coverage is what separates serious business credit-building from generic trade-line products.
Tier 1 vendor accounts typically report within 30 days. Tier 2–4 lines usually report within 60–90 days. Your specialist sequences the mix so visible improvement is steady, not all at once.
No. Trade lines are placed on your business credit profile (D&B, Experian Business, Equifax Business) — separate from your personal credit. We don't pull personal credit during intake.
Pricing is a flat percentage of the total credit being added — quoted upfront once your specialist designs the mix. There are no hidden fees, monthly subscriptions, or recurring charges. You pay once, the credit is yours, and the lines stay on your profile permanently.
Trade lines are selected to report to D&B, Experian Business, and Equifax Business — the three bureaus most lenders rely on. Your specialist chooses the mix based on the lenders you'll eventually approach.
Credit repair removes inaccurate negative items from existing reports. Business credit-building adds positive trade lines that didn't exist before. They serve different purposes — and many of our clients do both, depending on their situation.
New businesses can still build a meaningful business credit profile. We'll start by making sure your business is properly registered with the bureaus (D&B number, Experian Business profile), then layer in vendor lines first to establish history before adding higher-impact trade lines.
Yes. Once a trade line is placed and reporting, it stays on your business credit profile permanently. The credit story you build doesn't expire — every future lender sees what you built.
Ready to build the credit story lenders take seriously?
A specialist designs your custom mix, you sign off on the plan, and 60–90 days from now your business credit profile is something different.