Tier 1 business credit vendors

Tier 1 Business Credit Vendors Help Your Business To Grow

To build a good business credit score, businesses must open tier 1 business credit vendor accounts.

Businesses can benefit from the use of credit from Tier 1 business credit vendors by financing purchases or investments, maintaining cash flow, and smoothing out cash flow over time. Additionally, it may be an opportunity for businesses to improve their credit scores and build a positive credit history.

To apply for your Tier 1 vendor account, you will need to provide proof that you are registered as a legal business entity with your Secretary of State.

We provide a list of 17 best tier 1 business credit vendors that can assist you in developing future financing options for your business.

Best tier 1 business credit vendors to build business credit

17 Best Tier 1 Business Credit Vendors to Build Business Credit 

1. Wise Business Plans

A net 30 application for membership is required, along with a fee of $99 per year. You will be fully refunded your application fee if your application is rejected.

Business entities with US tax ID numbers can access this service. Wise Business Plan also offers net 30 payment terms to established US businesses. 

Products and Services: Once approved, you can use their services, including Business Plan Writing Services, Digital Marketing, Business Formation, Business Websites, Business Branding, and many others.

Credit Bureaus: Experian and Equifax

2. Quill

By selecting the “Invoice My Accountpayment option, customers can apply for a business credit account. You can get an answer from Quill within 24 hours of submitting a credit application. You have 90 days in which to reapply if your application is rejected.

Products and Services: As soon as you are approved by the company, you can now purchase their products such as furniture, electronic devices, and many others, interest-free for 6 months.

Credit Beaurus: Experian and Dun & Bradstreet (D&B)


The Namynot Business Line of Credit is open to both new and existing businesses who meet specific criteria in order to qualify. These criteria include the following:

  • The United States as a business destination
  • Company ownership must be at least 25% beneficial
  • Establishment required for 90 days
  • Authenticated officers only
  • An EIN is required
  • History of good credit

Products and Services: After approval, you’ll receive access to their digital marketing products and other services including SEO, email marketing, and web design.

Credit Bureaus: Dun & Bradstreet

4. SupplyWorks

SupplyWorks was formed as a division of the Home Depot Pro. If you are a Home Depot Pro customer, you can request net 30 terms by filling out their credit application. There is a $150 minimum order requirement. A monthly service charge of 1-1/2% will be assessed for invoices not paid within 30 days (approximately 18% annual percentage rate).

Products and Services: Cleaning chemicals, paper products, personal protective equipment, plumbing and lighting products and many more in partnership with HD Supply.

5. The Red Spectrum

The Red Spectrum net 30 Vendor Account allows you to establish credit for your business. You can increase your credit limit through their loan program business builder and get the initial boost you need for your business. You can get a Net 30 account by following these steps from Red Spectrum.

  • Get Started by Making Your First Purchase
  • Once you have made your first purchase, fill out the Net 30 Application
  • You will receive your new Net 30 credit limit via email and your account

When using the Net 30 vendor account of red spectrum to purchase a product from them. Every time you purchase a product, your credit limit will be increased by $1500.

Product and Services: Ebooks, Logo Design, Web Design, Audiobooks and many more.

Credit bureaus: Equifax and Credit Safe

6. HD Supply

In the same way that other tier 1 credit vendors allow customers to access their business accounts, HD Supply allows them to do the same. An online application must be completed in order to apply. Additionally, you can customize your credit application to specify your preferences for receiving invoices, purchasing instructions, etc.

Products and Services: Once you have been approved, your account will grant you access to their products and services, such as electronics, appliances, training, etc. 

Credit Bureau: Dun & Bradstreet

7. Home Depot

There are two commercial credit cards available at Home Depot.

  • The Home Depot Commercial Account card
  • The Home Depot Pro Xtra

You can apply for your choice of business credit card through The Home Depot Credit Center. Home Depot offers credit cards on Net 30 or Net 60 terms. Commercial Account card holders can receive a 2% discount if they pay their invoices in 20 days or less early.

A personal guarantee is only required for businesses that have existed for less than three years. You don’t have to pay in full every month with the Home Depot Pro Xtra card. A personal guarantee is required for all cardholders.

Products and Services: Building materials, repairs, and home supplies.

Credit bureaus: Dun & Bradstreet, Equifax Business, and Experian Business

8. Business T-Shirt Club

By choosing to add the item to the account, users are able to open a business account at Business T-shirt Club and choose net 30 credit as their credit type.

If you place five orders with a positive credit history, a 50% deposit will be required. However, after five orders are placed and your credit history has improved, you will no longer need to pay the deposit. 

Products and Services: Once you have been approved, you can now utilize their custom printing services on t-shirts, hats, bags, aprons, and many more items.

Credit Bureaus: Credit Safe, Equifax, Cortera and Ansonia.

9. Strategic Network Solutions

The net 30 payment term is available to business account holders through Strategic Network Solutions. You can complete your registration process online.

To process your application, they will need information about your business and your authorized officers. Then, during the checkout process, you will have to make a purchase of at least $80 to qualify for this offer. A credit line of $2000 is available to them with their net 30 account.

Products and Services: A number of networking services and security software are now available to you.

Credit Bureaus: Credit Safe and Experian

10. Creative Analytics

Creative Analytics offers the ability to open business accounts for both new and established businesses at 0% interest rates. All you have to do is select “apply for a business account“. To be eligible for a business credit account, you must meet certain criteria.

  • U.S. based business entity
  • You must have an EIN
  • Dun & Bradstreet (DUNS) number required
  • Established for at least 30 days
  • Up-to-date state incorporation registration with verifiable phone number
  • No delinquencies or derogatory business reporting
  • The applicant must be an authorized officer of organization

Products and Services: As a digital marketing agency and business consultancy, Creative Analytics has a wide range of services to offer. Your approval will allow you to buy physical products and limited digital services for $79 a year. The membership fee ranges from $49 to 149 per month if you want access to an exclusive digital library and community.

Credit Bureaus: Equifax and Credit Safe

11. Staples

Staples has partnered with Affirm to offer credit terms. The company offers net 30 terms as a payment option for US businesses. Their net 30 accounts come with weekly invoices, no late fees, and zero interest if you meet their qualifications. 

Products and Services: Office supplies, technology, furniture, cleaning supplies and many more.

Credit Bureau: Dun & Bradstreet.

12. Ohana Office Products

It is necessary for Ohana Office Products to have a business account in order to offer net 30 payment terms. Online application forms make it easy to register a business account. Users will be asked to provide user IDs, referral codes, business information, and authorization codes. In the checkout process, select “Bill My Net 30 Terms Account”.

Products and Services: If you get approved, you can choose from a wide selection of office products, including pens, hanging holders, file holders, etc. The site also offers other software, including logo creators, ad creators, and online books.

Credit Bureau: Equifax.

13. JJ Gold International

Their Net 30 trade credit is only available to US businesses that have been in business for at least 90 days. You just need to fill out an online application form for a net 30 account in order to build your business credit.

You will be required to make a minimum purchase of $100 once you have been approved for the program. It is also necessary for new customers to pay a 50% deposit at the time of their first order. 

Products and Services: Beauty products, home decor products, handcrafted candles and spa accessories. 

Credit Bureau: Dun & Bradstreet.

14. Summa Office Supplies

You can apply for a NET 30 vendor account through Summa Office Supplies by selecting the “Register for a NET 30 account” option. You will be evaluated for net 30 terms during account setup, as well as product selection. Prepaid orders of $75 or more are required to buy office supplies.

Products and Services: After approval of your application, you can order quality stationery products (legal pads, envelopes, file folders, etc.) in addition to office software such as Microsoft Office, antiviruses, and more.

Credit Bureau: Experian and Equifax

15. Uline

New Uline customers can use their catalog customer number to apply for a business account, then select “Invoice Me” to apply for net 30 billing terms. Existing customers can request a net billing account by logging in or registering online with their customer number. In case additional information is required, the Credit Department will get in touch with you.

Products and Services: The company offers a variety of products, such as poly bags, bubble mailers, laser labels, plastic bins and a variety of industrial gloves, once your application has been approved.

Credit Bureau: Experian & Dun & Bradstreet

16. CEO Creative

An online application form is available from CEO Creative for applying for net 30 payments. Your business must meet the following minimum criteria to qualify for a net 30 account with CEO Creative:

  • Businesses in the United States only
  • For a business to qualify, it must be in existence for a minimum of 30 days
  • An excellent credit rating

It generally takes under 24 hours for a net 30 approval to be granted. It is uncommon for a manual search to be needed, and it usually takes two to ten business days. Upon approval, a fee of $79 is charged.

Products and Services: Upon approval, CEO Creative will offer you a variety of products, such as electronic devices, website development, printing services, office supplies, and cleaning products.

Credit Bureau: Credit Safe, Dun & Bradstreet and Equifax.

17. CreditStrong

CreditStrong offers its customers a variety of credit builder loans that help businesses build credit scores.

The building of business credit through financial tradelines is more effective than the building of business credit through vendor tradelines. For business credit to be built, the major credit bureaus report financial tradelines.

If you apply for a business credit builder account, you can choose between net 60 and net 120 terms.

A business must meet certain requirements in order to be considered eligible for credit

  • 90-day-old businesses
  • An Social Security Number (SSN) is required
  • Identification number for individual taxpayers.

Credit Bureaus: Equifax and PayNet. In the near future, Credit Strong intends to include Experian, Dun & Bradstreet, and SBFE as well.

Note: If you’ve already checked out our post on the top tier 1 business credit vendors and are curious about other options for building strong business credit, be sure to take a look at our post on the top tier 2 vendors.

Our post on the top tier 2 vendors covers alternative credit reporting options and credit building strategies that can complement the comprehensive credit monitoring and reporting services offered by the top tier 1 vendors

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