A membership-based revolving credit account opened in your business's name. Every month you make your on-time payment, we report a tradeline to Dun & Bradstreet, Experian Business, Equifax Business, and TransUnion — building a real, scoreable business credit profile that exists separate from your personal credit.

A strong business credit file unlocks funding, vendor terms, and rates you simply cannot access on personal credit alone. Lenders, suppliers, and even insurance carriers pull business credit when deciding whether to extend you capital or favorable terms. Without a file, you're invisible to them — and a thin file looks worse than no file at all.

No. No personal guarantee. No personal credit check. No history requirement. Your file with HL Hunt is built entirely on the business entity, which is why this works for owners whose personal credit is rebuilding, for new LLCs with zero history, and for businesses that want to keep the wall between personal and business finances intact from day one.

Memberships start at $9.99/mo for a $150 tradeline and scale up to $199.99/mo for a $15,000 tradeline. Higher tiers report larger credit limits, which carry more weight with bureaus and lenders. There are no setup fees, no application fees, and no penalty for canceling — though we recommend staying at least 12 months for the credit profile to mature.

Your first tradeline reports the month after signup. Most members see a Paydex score generate within 30–60 days, qualify for starter vendor credit by month 3–6, and reach prime-grade scores (90–100 Paydex) by month 12. The first three months establish the foundation; the back half is where you start unlocking real lending opportunities.

All four major commercial credit bureaus: Dun & Bradstreet (PAYDEX), Experian Business (Intelliscore), Equifax Business, and TransUnion. Every month, on time, in Metro 2 format — the same data format the bureaus require from banks and major creditors.

A tradeline is a credit account that appears on your business credit report — it shows your payment history, credit limit, account age, and current balance. Three things bureaus weight most heavily, all driven by your tradeline.

HL Hunt issues your business a revolving tradeline at 0.00% APR. You use it on our closed-loop marketplace, you pay it on time, we report it. The mechanics of credit-building, without the predatory cost.

Yes. Every membership includes credit monitoring across the major business bureaus, so you can watch your Paydex, Intelliscore, and Equifax Business scores move month over month — and catch any reporting errors before they hurt you.

Yes — every tier includes an HL Hunt trade reference letter. Lenders, landlords, and vendors often ask for trade references to verify your business pays on time. Ours is official, on letterhead, and detailed enough to support funding applications.

Yes. You'll need an LLC, S-Corp, or C-Corp with an EIN — that's what creates the legal separation between you and your business. Sole proprietorships can't build true business credit because, in the eyes of the bureaus, the business and the owner are the same entity. Incorporation is the first step; everything else builds on top.

Yes. Business credit and personal credit live in two different worlds, and HL Hunt doesn't pull your personal file. A 540 personal score doesn't disqualify you from building a 90+ Paydex on the business side. For many owners, this is the first chance to build a strong credit profile without their personal history holding them back.

No. Because there's no personal guarantee, no hard inquiry, and no reporting to consumer bureaus (Experian Consumer, Equifax Consumer, TransUnion Consumer), HL Hunt has zero impact on your personal score — positive or negative. Your business builds; you stay protected.

Most legitimate industries — e-commerce, real estate, trucking, professional services, retail, construction, healthcare, and startups across the board. There's a short list of restricted categories we cannot work with for compliance reasons; if you're unsure where your business falls, reach out and we'll confirm before you sign up.

Yes — but expect a timeline, not a magic switch. A mature business credit profile (12+ months of consistent on-time reporting) significantly increases your odds of qualifying for SBA loans, business lines of credit, equipment financing, commercial credit cards, and vendor net-30/60/90 accounts. Lenders want to see depth and consistency; HL Hunt builds both.

A strong business credit file opens the door to trade credit (vendor net-terms), business credit cards, equipment and vehicle financing, commercial real estate loans, unsecured business lines of credit, and SBA-backed lending. The bigger your file gets, the bigger and cheaper the capital available to you.

That's the point. Business credit gives you working capital to buy inventory, finance equipment, hire ahead of revenue, and bridge cash flow gaps — without dipping into personal savings or maxing out personal cards. Used right, it's the cheapest, most flexible capital available to a small business.

Pick a membership tier that fits your goals, sign up in under five minutes, and your tradeline starts reporting the month after enrollment. No paperwork, no waiting for underwriting, no personal credit pull. We recommend most new businesses start with the Pro+ tier ($2,500 tradeline) — it carries enough weight to meaningfully move bureau scores without overcommitting on the membership.