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Net-30 Business Credit Builder

Build business credit.✦
The smart way.

Real business services. Real credit reporting. Set up your digital business card and start building your business credit profile today.

creditmomo.com/

No personal credit check. No interest. Reports to Experian, Equifax & D&B.

+86 pts*
On avg for businesses with no prior credit history in their first year with on-time payments
Plans start at
$29/month
Business Credit Score
81
▲ +24 points
Upgrade to Growth Get a higher tradeline, CRM access, and press releases with a higher plan.
Net-30 Tradeline ✓
AI Receptionist ✓
Reporting to 3 Bureaus Mar 15
3
Credit bureaus reported to every month
One invoice.
Score big.
How It Works

Three steps to better
business credit.

No banks. No loans. No personal credit checks. Just real services and real reporting.

1

Verify Your Business

Sign up with your EIN. We verify your business is active and in good standing — takes under 2 minutes.

2

Choose Your Plan

Pick a tradeline tier from $250 to $50,000. Each plan includes real digital business services your company can use.

3

Pay & Build Credit

Pay your monthly Net-30 invoice on time. We report every payment to Experian, Equifax, and Dun & Bradstreet.

● Equifax
● Experian
● D&B

CreditMomo reports to all three credit bureaus which helps improve your payment history, utilization, and account age.

↑

Build payment history

Every on-time Net-30 payment is reported as "Paid as Agreed" — the strongest factor in your business credit score.

↑

Establish trade credit

Your CreditMomo tradeline shows up as a legitimate vendor account, building your trade references over time.

↑

Age of credit

Your account stays active as long as you are subscribed, helping your business credit profile age and strengthen.

Everything You Get

Real services. Real value.

Every plan includes tools your business actually needs — and the value matches your tradeline amount.

★

Net-30 Tradeline

From $250 to $50,000 reported to all 3 bureaus. Every on-time payment builds your business credit profile.

☎

AI Receptionist

A dedicated business phone number with an AI-powered receptionist that answers calls, takes messages, and forwards important calls.

⚖

Digital Business Card

Your own creditmomo.com/yourbusiness page. Share via QR code, NFC, or direct link. Professional and always up to date.

☰

CRM Dashboard

White-label CRM powered by GoHighLevel. Manage leads, contacts, pipelines, and automations from one place.

⍑

Credit Score Monitoring

Track your business credit score over time with monthly reports. See your progress on a visual timeline in your dashboard.

⚛

SEO & Directory Listings

Get listed on 25+ business directories. Higher tiers include full SEO audits, content, and link building campaigns.

Plans & Pricing

Choose your tradeline.

Every plan includes Net-30 credit reporting to all 3 bureaus. Higher tiers unlock more services and higher tradeline amounts.

✓ Starter
$29/mo

$250 reported tradeline. Perfect for new businesses.

  • $250 Net-30 tradeline reported monthly
  • Reports to Experian, Equifax & D&B
  • Digital Business Card (creditmomo.com/you)
  • 25+ directory listings
  • Business credit score monitoring
  • File Cabinet & invoice history
Get Started

$49 one-time setup fee

★ Builder
$49/mo

$500 reported tradeline. Our most popular plan.

  • All Starter perks, plus:
  • $500 Net-30 tradeline reported monthly
  • AI Receptionist (local or 1-800 number)
  • Rent & utility reporting
  • Receipt vault with OCR scanning
  • Priority email support
Get Started

$99 one-time setup fee

★ Growth
$99/mo

$2,500 reported tradeline. For growing businesses.

  • All Builder perks, plus:
  • $2,500 Net-30 tradeline reported monthly
  • White-label CRM dashboard
  • 1 press release distribution
  • Credit coaching resources
  • Requires 3 on-time payments or good credit
Get Started

$149 one-time setup fee

Need a higher tradeline? We offer plans up to $50,000 for established businesses.

View all plans →
Testimonials

Trusted by business owners.

★★★★★

I had zero business credit when I started. After 6 months of on-time payments with CreditMomo, my Experian Business score went from nothing to 78. Now I qualify for vendor accounts I never could before.

MJ
Marcus J.
Atlanta, GA
★★★★★

The AI receptionist alone is worth the monthly fee. But the fact that it also builds my business credit? That is a no-brainer. I upgraded to Growth after 3 months and my tradeline jumped to $2,500.

TW
Tanya W.
Houston, TX
★★★★★

I tried Self and Kikoff for personal credit but needed something for my LLC. CreditMomo is the only platform I found that reports to business bureaus using my EIN. Game changer for my trucking company.

DR
Darnell R.
Detroit, MI
★★★★★

The digital business card is fire. I share it at networking events and people are always impressed. Plus my business credit score has been climbing every month. Best $49/mo I spend.

KL
Keisha L.
Oakland, CA
★★★★★

Started on the Starter plan, now I am on Professional with a $7,500 tradeline. The CRM dashboard helps me manage my cleaning business and the credit reporting is automatic. Could not ask for more.

JM
James M.
Charlotte, NC
FAQ

Have questions?

What is CreditMomo? ⌄
CreditMomo is a Net-30 business credit builder platform. We provide real digital business services — like AI receptionists, digital business cards, CRM tools, and SEO listings — and report your on-time payments to the major business credit bureaus (Experian, Equifax, and Dun & Bradstreet). Every monthly payment you make on time builds your business credit profile, helping you qualify for larger loans, better vendor terms, and more opportunities.
How is CreditMomo different from a personal credit builder like Kikoff or Self? ⌄
CreditMomo focuses exclusively on business credit. We use your EIN (Employer Identification Number), not your SSN. We report to business credit bureaus, not personal ones. And instead of a revolving credit line or secured card, we operate as a B2B vendor — we deliver real business services and report your payments as a Net-30 trade account. This means you are building a legitimate vendor payment history that shows up on your Experian Business, Equifax Business, and D&B credit reports.
Do I need a personal credit check to sign up? ⌄
No. CreditMomo does not perform a hard pull or soft pull on your personal credit. We verify your business using your EIN and state registration records. Your personal credit score is never affected by signing up or using CreditMomo.
What do I need to sign up? ⌄
You need a registered business with an active EIN (Employer Identification Number). During signup, you will provide your business name, EIN, state of registration, and basic contact information. We will verify your EIN is active and your business is in good standing before you can select a plan.
What happens if my EIN verification fails? ⌄
If your EIN cannot be verified or your business is not in good standing, you will receive a detailed denial letter explaining the specific reasons. You will have 35 days to resolve the issues (such as updating your state registration or correcting your EIN). After 35 days, you can reapply. All denial letters are stored in your File Cabinet for your records.
How long does the signup process take? ⌄
Most users complete the entire process in under 10 minutes. You will create an account, enter your business information, pass EIN verification, view your business credit snapshot, select a plan, and pay the one-time setup fee. Your first Net-30 invoice cycle begins immediately after payment.
How does Net-30 billing work? ⌄
Each month, CreditMomo issues you an invoice for the services included in your plan. You have 30 days from the invoice date to pay it. When you pay on time, we report that payment as "Paid as Agreed" to the business credit bureaus. This is exactly how vendor trade credit works in the real business world — and each on-time payment strengthens your business credit profile.
When is my invoice due each month? ⌄
All invoices are issued on the 1st of each month and are due by the 15th. This gives you a consistent payment schedule that is easy to remember and manage. You will receive email reminders before the due date.
What happens if I pay late? ⌄
Late payments are reported to the credit bureaus, which can negatively impact your business credit score. If your payment is more than 30 days late, your account may be placed on hold and your services will be suspended until the balance is paid. Consistent late payments may result in account downgrade or termination.
Is there a setup fee? ⌄
Yes. Each plan has a one-time setup fee that covers EIN verification, account provisioning, and initial service configuration. Setup fees range from $49 (Starter) to $499 (Enterprise). The setup fee is charged at signup via Stripe and is separate from your monthly Net-30 invoices.
Which credit bureaus do you report to? ⌄
CreditMomo reports your payment history to all three major business credit bureaus: Experian Business, Equifax Business, and Dun & Bradstreet (D&B). Reporting is done monthly using the industry-standard Metro 2 format through our reporting partner, The Service Bureau (TSB).
How soon will my payments show up on my business credit report? ⌄
Payments are reported in monthly batch files submitted to the bureaus. It typically takes 30 to 45 days after your payment for it to appear on your business credit report. The exact timing depends on each bureau's processing schedule.

Ready to build your
business credit?

Join thousands of business owners building credit the smart way. No personal credit check. No interest. Just results.

Build credit now

Plans start at $29/mo. Cancel anytime.

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