Build Business Credit Using Your EIN

Having great business credit is key to the success of your business. We can help you get started on the road to getting credit with no personal guarantees and no need to have good personal credit by giving you net terms on several business services.

Get 30, 60 and 90-Day Terms

Build Your Business Credit with Our Suite of Business Services

Getting business credit using just your EIN and not your SSN can be difficult for a new business. Tier One Business Services can give you payment terms on several important business services, and we provide an online payment history and on-time payment score to any future creditor who is looking for business trade references. By making a partial down payment on our services, we will provide you with extended payment terms on the balance from 30 to 90 days. By making these payments on time, you will show financial lenders that your business is worthy of getting better terms, such as lower interest rates and longer repayment periods. You will also be less likely to be asked to sign a personal guarantee on loans.

We Offer a Variety of Services Covering Many Aspects of Running a Successful Business

Whether you are looking to get your business formed and registered properly, looking to improve your personal credit, looking to improve your online reputation, or looking to generate a flood of online or in-person traffic, we have the right programs for you. Once you are approved for business credit, you can purchase any of the services that we offer. We will set you up with an automated billing service where you pay a portion of the service price now, and the balance over 30, 60 or 90 days. These services are designed to provide you with many of the same services that business credit suites offer you for an upfront fee of as much as $4,000! Several of these services are designed to make your business fundable by financial lenders.  Click on the Services link to see our current offerings.

The Real Value of Our Services - Building Business Trade Credit

One of the biggest problems facing a small business is the inability to get credit in the name of the business and using only the EIN as the tax ID, as opposed to the business owner’s Social Security Number. Business owners do not want any failure of their business to reflect on their personal credit, or to be a guarantor for business liabilities. Credit issuers want to see a credit history for the business before issuing credit in the name of the business. While there are many excellent tier one vendors (see the Four Tiers of Business Credit below), most of them provide things that are similar or the same as what other tier one vendors provide, or do not give you the ability to take up to 90 days to pay. 

We can provide you with additional business services as a tier one vendor, giving you extended terms on some of our services. We also provide your future credit providers with a way to check on your purchase and payment history. Simply list Tier One Business Services as a vendor, and provide our credit check domain name on your application (, and the credit underwriter will be taken to a special page on this site where she can verify your purchase history, total credit extended, total balance, number of successful payments, number of late payments and your score based on our scoring model. Our real value is being able to help you get started on getting credit in the name of your business, and not to use your SSN.

Here is the key reason why you will want to get started by using TOBS to build business credit. Many Tier 1 and Tier 2 vendors want to see that you already have an established credit line with other trade vendors of at least $500 to $800. We can help you establish that credit line, which will be made available to any other vendor where you are looking to apply for credit. 

Application Process

Getting approved for payment terms is as simple as filling out our online application, and providing a copy of your IRS EIN registration. If you do not yet have an EIN, we will show you haw to do for free.  Here are our steps.

Online Application

Click on the “Apply For Credit” button at the top of the page, and fill out the form. If you have an IRS Employer ID Number (EIN), provide a copy of it, or other proof that your EIN number is registered to your business. If you do not have an EIN, we can get one set up for you at no cost.

Get Approved

Our program is designed to start getting you business credit, even without looking at your personal credit. Home based business? No problem. No business phone number? No problem. We will review your application and respond with an approval usually within 24 hours.

Start Building Credit

Once approved, you can purchase any of our services using a partial down payment, and the balance over 30, 60 or 90 days, depending on the service. We track your payments, and provide a payment score to any future credit provider you are applying to.

Free Application Bonuses

With your application submission, you will receive the following bonus videos that will help you grow your business. No purchase is necessary to receive these bonus video courses.

Branding Power

Proper branding creates an anchor in the customer's mind which can be triggered by recurring events. When you really, really build a brand, every time that somebody has that recurring need in their life, your product is what’s going to pop in their mind and that is what branding is. Proper branding also increases the perceived value of your product and your company. It makes you more sellable. This video tutorial will teach you how to power a brand for your products and business!

Running A Business

This video course will give you some very important statistics. Also you will hear some information that might not sit well with things you’ve heard in the past from people that were trying to sell you something online. You will learn the facts important for you to run your business. Making money online and running an online business are two completely different things. The difference is whether your mind is right or not and your mindset is the one of the topics of this video.

Proper Networking

This video course will help up do networking properly. When you attend a live event, one of the key benefits is not the topics that were presented but the networking purpose of the event. You will meet like minded people and build relationships that can beneficial to your business. Learn how to build strong friendships from the people whom you only knew virtually by providing unconditional value first. Also learn how to do the elevator pitch effectively and so much more.

The Four Tiers of Business Credit

If you are not familiar with how a business gets credit based without a personal guarantee, it helps to understand the four tiers of business credit.

Starter Vendors

Get established with business credit

Purchase supplies, services, inventory and more from other vendors with Net-30 day payment terms

Advanced Trade

Larger credit lines with extended terms

Get bigger credit lines from companies like Amazon that can provide a larger variety of goods with 60-90 day terms

Revolving Credit

Borrow cash from banks and lenders

Get working capital and large lines of unsecured credit from banks or major credit card companies

Venture Capital

Get equity capital from investors

Use investors to grow your business to the point that it gets acquired by another company, giving you a massive payout

We Are a Tier One Vendor That Also Helps Make Your Business Fundable

If you have ever been turned down for business credit, it may be for reasons that have nothing to do with you or your business directly. It may be that your business does not appear to be legitimate. Why? Your business registration may not be same across registration entities. Your may not have the right registration numbers. You may not have the right type of phone number, or the right type of business address. Your business might not have the required licenses, permits or other federal, state or local registrations. Something negative may have turned up online or on social media that raised a red flag in the eyes of a lender. There are many reasons why your business can be declined for funding. Our goal is to reduce the chance of declines, and improve your odds of getting the working capital or lines of credit that your business needs. You will learn all of this in our free Business Credit Toolkit (see the link below).

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