Let me save you 2 to 3 thousand dollars real quick. Prime Corporate Services wants $2K+. Fundability’s out here charging $497 a month like you're renting a damn spacecraft. And it’s all for info that should’ve been free from day one. So here’s the real play. No jargon. No smoke. Just imagine me leaning over the table like, “Bro, do this and watch what happens.” 📢 THE STACK THAT BUILDS YOUR PAYDEX WITHOUT GETTING ROBBED ✅ Step 1: NAV Prime Build Plan ($49.99/mo) Grab this in Month 1. It reports as a tradeline, tracks your business credit, and stops you from building blind. You buy it and boom, that’s your first reporting account. You’ll feel the foundation click into place like tightening the first bolt on a machine that’s about to print money. ✅ Step 2: Get 2–3 NET30 Vendors (Month 1) Most people complicate this. Don’t. Apply, order something small, pay it early, move on. Recommended vendors: - U-Line - Summa Office Supplies - Business T-Shirt Club - Quill - Staples - Grainger - Crown Office Supplies Pick 2 to 3 and actually use them. Think of it like planting seeds.Every invoice you pay is water, and your Paydex score is the tree that shows up later like, “Yeah, I’m here.” ✅ Step 3: Gas Cards (Around Month 5) Once your NET30s start reporting, you level up. Options: - AtoB (if you’re doing 2K+ a month, they’ll play ball early) - WEX - Conoco - Fleet Cards USA Here’s the little cheat code no one tells you: If your business is already pulling money Month 3 or Month 4, show bank statements. Approvals get way easier. Makes your business look like it’s actually moving, not chilling on the couch watching daytime TV. ✅ Step 4: Maintain + Pay On Time This is where people fumble the bag. You can’t build credit while treating due dates like polite suggestions. Use your accounts. Pay early. Stay consistent. Give it 2 to 4 months and your Paydex score pops out like, “So what’s next?” Simple. Predictable. Repeatable. Exactly how business credit should be.

Most people try to “build business credit” before they even have a real business. I used to think the same. I was chasing trade lines and vendor accounts instead of fixing my personal profile. Here’s the truth: your personal credit is your business credit at first. The banks use it to judge you. Step one: fix the foundation. 680+ score, five primaries, low utilization. Then stack business cards that don’t report personal. Simple rule: qualify yourself before you try to qualify your business.