You don’t need a perfect credit score to start a business.
You don’t need a $10K loan either.
What you need is structure — and the ability to build credit under your business name while
you’re still cleaning up your personal report.
Here’s how to get started — step-by-step — no fluff, no credit check required.
🏗 Step 1: Register the Business Properly
You can’t build business credit under a hustle or side gig name.
You need a real entity:
● LLC (or corporation, depending on your goals)
● EIN from the IRS (like a business SSN)
● Business address (virtual or commercial — no PO Boxes)
● Professional domain + email (like info@yourbiz.com)
👉 Need help setting this up in 3–5 days?
Use our Business Builder Setup to handle the entire formation, branding, and foundation.
🏢 Step 2: Get a Business Address & Phone Number
These two things matter more than you think.
Vendors and lenders verify your identity through business listings.
✅ Get a virtual address here:
🔗 Alliance Virtual Offices – starting at $50/month
✅ Get a business number with texting:
Try Google Voice or a low-cost VoIP setup
💳 Step 3: Open Net-30 Vendor Accounts That Report
Net-30s give you 30 days to pay. When used right, they report positive business tradelines to
Dun & Bradstreet, Experian Biz, and Equifax Biz.
✅ Start with vendors like:
● Shirtsy
● Nav
● Uline
● Summa Office Supplies
● Grainger
Want one account that builds business and personal credit at once?
🏦 Step 4: Open a Business Bank Account
Even if you’re not making money yet — get the account open.
This separates personal and business finances and is required for funding.
✅ Bring your EIN + LLC registration + address + phone
✅ Recommended banks:
● Bluevine
● Novo
● Lili
● Local credit unions
🔁 Step 5: Keep Building While Credit Gets Cleaned
If your personal score is still under 650, that’s okay.
We offer Complete Credit Cleaning in the background while you:
● Build your business credit profile
● Establish Net-30 history
● Show lender-ready structure
By the time your personal credit is ready, your business will be too.
👉 Apply for Flexxbuy Financing if you need startup cash — soft pull only
🧠 Bonus Credit Builders You Can Use Immediately
● Kikoff – No hard pull, $750 tradeline
● Credit Strong – Builds savings & credit
● Group One Platinum – Instant $750 tradeline
● MyScoreIQ Biz Credit Monitoring – Track your D&B and Experian Biz scores
🏁 Final Word
Waiting for the perfect score before you start your business is backwards.
Start now. Build the foundation.
Let DSI clean the credit while we help you build the future.
📲 Ready to launch your business the right way?
📱 Follow DSI for More Credit & Business Playbooks
● TikTok: @designshowinc
● Instagram: @designshowinc
● Facebook: facebook.com/designshowus
● YouTube: DSI YouTube Channel
● Linktree: All DSI Links