CreditBio
We help business owners access capital, build strong credit, and restore credit profiles with premium, personalized solutions. Our mission is to empower businesses to grow, scale, and succeed.
Get Pre-Approved for up to $100K with only a soft pull to start
Our Services
Comprehensive financial solutions designed to help your business access capital and build strong credit
Business Credit Solutions
Establish and strengthen business credit with trade lines, vendor accounts, and monitoring.
- Trade Line Setup
- Vendor Account Management
- Credit Monitoring
- Score Improvement
Business Funding
Access flexible funding options including lines of credit, term loans, and alternative financing to meet your business needs.
- Lines of Credit
- Term Loans
- Alternative Financing
- Fast Approval Process
Personal Credit Solutions
Improve your credit profile quickly with expert guidance and restoration strategies.
- Credit Analysis
- Dispute Management
- Score Restoration
- Expert Guidance
Personal Funding
Access personal funding solutions including personal loans, credit cards, and financial products.
- Personal Loans
- Credit Card Approvals
- Financial Products
- Quick Processing
Why Choose CreditBio
We combine speed, expertise, and personalized service to deliver exceptional results for your personal and business financial needs.
Customized Credit Strategies
Personalized credit repair and building approaches designed specifically for each individual's and business's unique financial situation
Rapid Results & Quick Approvals
See credit score improvements in as little as 30-60 days and get funding pre-approvals within 24-48 hours with our streamlined process
Trusted Nationwide Service
Serving clients across all 50 states with personal credit repair, business credit building, and funding solutions backed by proven results
Expert Credit Specialists
Certified professionals with years of experience in both personal and business credit services, dedicated to your financial success
How We Help Your Business
Our proven process ensures you get the funding and credit solutions you need to grow your business
Initial Consultation
We start with a comprehensive review of your personal & business financial situation to understand your specific needs.
Strategy Development
Our experts create a customized plan tailored to your business goals and funding requirements.
Implementation
We guide you through each step of the process, handling applications and communications with lenders.
Ongoing Support
Continuous monitoring and support to ensure your business credit and funding success.
Pro Tip
Start with 3-5 Net 30 vendors and make small purchases ($50-200) initially. Pay on time or early to build positive payment history. After 3-6 months of good payment history, you can request credit limit increases and apply for additional vendor accounts.
Business vs. Personal Credit Score Comparison
Understand how your business credit compares to personal credit and how lenders view your risk
| Experian Business Score | Risk Level | Equivalent FICO/Vantage Personal Score | Personal Risk Description |
|---|---|---|---|
76-100 | Low risk | 740-850 | Excellent – very likely to be approved for credit at favorable rates |
51-75 | Low to medium risk | 670-739 | Good – may receive slightly higher rates or limited offers |
26-50 | Medium | 580-669 | Fair – some lenders may require higher interest rates or collateral |
11-25 | Medium to high risk | 500-579 | Poor – limited access to credit, higher risk of denial |
1-10 | High risk | <500 | Very poor – high likelihood of denial or very high interest rates |
Key Takeaways for Borrowers
- A business score of 76+ is like having an excellent personal credit score – you're in the best position for financing
- Maintaining good payment history, low credit utilization, and accurate records helps keep both personal and business scores at their peak
- Understanding your score helps you plan for loan approvals, interest rates, and financing opportunities
Ready to improve your business credit and access better funding opportunities?
Business Funding Readiness Checklist
Follow this comprehensive checklist to prepare your business for funding success. Track your progress as you complete each step.
Business Compliance Setup
Business Credit Foundation
Financials You'll Need
Lender & Investor Ready
Credit Monitoring & Net 30 Vendors
Monitor your business credit and build strong credit history with our recommended Net 30 vendors
Business Credit Monitoring
Stay on top of your business credit with comprehensive monitoring and reporting from the top business credit bureaus.
Monitor Your Business Credit
Get complete visibility into your business credit profile with Experian Business Credit monitoring. Track your scores, receive alerts, and stay informed about changes to your credit report.
NAV Credit & Loan Monitoring
Access free business credit scores and find the best funding options with NAV's comprehensive platform. Compare rates and get matched with lenders.
Recommended Net 30 Vendors
Build your business credit with these verified Net 30 vendors that report to major business credit bureaus. Start with small purchases and build your payment history.
Uline
Industrial and packaging supplies
Quill
Office, cleaning, and breakroom supplies
Grainger
Industrial, hardware, and janitorial supplies
Coast to Coast Office Supply
Office products and digital downloads
Corporate Express
Office supplies and business products
Staples Business
Office supplies and technology products
Pro Tip
Start with 3-5 Net 30 vendors and make small purchases ($50-200) initially. Pay on time or early to build positive payment history. After 3-6 months of good payment history, you can request credit limit increases.
What Our Clients Say
Real success stories from business owners who transformed their credit and secured funding with CreditBio
Michael Rodriguez
Construction Company Owner
"CreditBio helped me secure $75,000 in funding for my construction business in just 4 months. Their business credit building strategies are incredible - my credit score went from 580 to 720!"
Sarah Johnson
Restaurant Owner
"I was skeptical at first, but CreditBio's team helped me increase my business credit score by over 50 points and secure a $25,000 line of credit to expand my restaurant."
David Chen
Tech Startup Founder
"Thanks to CreditBio's business credit building strategies, I secured $150,000 in funding for my tech startup without putting my personal credit at risk. Their expertise is unmatched."
Join thousands of satisfied clients who have transformed their credit and secured funding