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Tier 1 Business Credit Vendors


 Business Finance

As a business owner, one of your most important

responsibilities is to find capital for your business,

but it can be challenging to find commercial lenders

willing to provide capital and financing for your

business when you’re just starting it up.

This is where tier 1 business credit vendors come in.

These vendors can provide you with the opportunity to

start building your business credit history, which can

give you the track record you need to qualify for more

traditional business financing options in the future. 

In some cases, these vendors can also provide

much-needed supplies for your company.

Vendors that help build tier 1 business credit

(As you consider how to build business credit, it’s important to consider several lenders. Here are five tier 1 business credit vendors to help you narrow down your list of options.)

What are the tiers of business credit?

As a small business owner, finding the right form of financing can be difficult, especially if you’re still in the beginning stages with your company. 

There are four tiers of business credit that you can obtain. Understanding each category and how the type of financing works can help you determine which paths to pursue for your small business.

Tier 1

The first tier of business financing is basic vendor trade credit. You don’t typically need to have an established business or even personal credit history to get approved, and there’s also typically no personal guarantee involved — in other words, if your business can’t repay the debt, you’re not personally liable to pay it out of your own pocket.

Tier 1 business credit provides the chance to establish your business credit score as a new business while you purchase the supplies, inventory, furniture, and other items your small business needs to function. 

Just note that while some vendors may be willing to work with you as a brand-new business, some may require that you have other trade credit references before they’ll approve you with a credit line.

In general, vendors make money on margin they charge on the goods they are selling, so you don’t have to pay interest on this type of credit, as long as you pay your balance by the due date.

Tier 2

The second tier of business credit is commonly called advanced trade credit. These types of vendor accounts typically offer larger credit lines and longer repayment terms (longer than net-30, for instance). In some cases, you could even use advanced trade credit to finance an equipment purchase.

While this financing option may sound better, it’s important to note that you’ll likely need to have established some business credit before you can apply. Because of the better terms for you as the small business owner, these types of vendors are taking on more risk and will typically require a business credit check to determine whether you’re eligible. 

Tier 3

Rather than working with another business to get credit, tier 3 business financing involves getting credit from a lending institution like a bank, credit union, or online lender.

Tier 3 financing is the most well-known type of business financing. It can come in the form of an installment loan, a revolving line of credit, or even a business credit card. 

In most cases, you’ll be required to undergo a business and personal credit check to get approved for this type of financing. That said, eligibility requirements can vary substantially. 

For example, some banks may require that you be in business for one or two years with a solid track record of revenues and good business credit. In other cases, your business can be brand new without any established revenues or cash flow and still qualify. 

In many cases, you’ll also need to provide a business plan, as well as a detailed look at your company’s finances and projections. 

Because loan terms, including repayment schedules, interest rates, and fees, can vary with tier 3 credit, it’s important to shop around and compare multiple lenders before you submit an application. And with credit cards, you may also be able to take advantage of other perks like rewards and travel benefits.

Because of its business friendly structure, the Credit Strong business credit builder account is one of the most readily obtainable forms of bank financing for many small businesses and it can provide the first step to getting additional Tier 3 financing from other lenders in the future.

Tier 4

With tier 4 business financing, you move beyond the lending industry in general and work with investors. This can include private investors, angel investors, and venture capitalists. 

In many cases, it can be challenging to get an investor for your business unless you’re outperforming the competition or there’s a strong reason to believe that you will outperform the competition. This means that you typically need to have been in business for a while and have a strong track record so far. 

You’ll also need a strong business plan, including your strategy for growth and detailed and reasonable projections. 

While you won’t pay interest to an investor, you’ll likely need to give up a share of your business in exchange for their financing and advice. Carefully consider what that might look like and whether you want to invite someone else to own part of your business and have a say in how it’s run.

Best net 30 accounts vendor list for businesses in 2022:

  1. Crown Office Supplies (and Shirtsy)

  2. Uline 

  3. Quill

  4. Amazon (Pay by Invoice)

  5. Newegg Business

  6. Walmart (Community Card)

  7. Grainger

  8. Summa Office Supplies

  9. Creative Analytics

  10. Home Depot

Crown Office Supplies

Crown Office Supplies is a vendor offering net 30 accounts. Crown displays its Net30 application for new and established businesses on its website. Crown’s customer base includes government, embassy, non-profit, financial institutions, and other businesses.

For a Net30 application, Crown Office Supplies requests the following information:

  • Email

  • Username

  • Password

  • Legal business name

  • Address

  • Website URL

  • Organization type

  • EIN (employer identification number)

  • DUNS number

  • Phone number

  • How did you find us

The EIN is a type of tax ID or Taxpayer Identification Number (TIN) used by businesses.

Crown Office Supplies stocks more categories than office supplies. It also offers school supplies and custom-designed and printed clothing under the Shirtsy brand. Shirtsy is described in more detail below. 



The Shirtsy line sells customized T-shirt and company swag (promotional products). A 25% or more business owner submits a Shirtsy net 30 application for the company. Include their name, email, date of birth, company name, address, website URL, EIN, DUNS number, and phone number.

Shirtsy net 30 account approval is “contingent upon commercial data reports from D&B, Equifax, Creditsafe, NACM, and SBFE.” Shirtsy claims that its approval process, which “isn’t a hard pull, will not effect [sic] [an applicant’s] personal credit score.”


Uline, a net 30 vendor, ships various types of products to its customers. Products include over 38,500 packaging, shipping, industrial, retail, safety, food service, and janitorial products in its catalog. Because Uline has a 30-day satisfaction guarantee for a refund or credit and excellent customer service, it’s a good choice for a company seeking an easy-approval net30 account.


Quill is an office supplies, teaching & school supplies, and cleaning supplies company offering free shipping on any size orders and coupons. The product selection includes remote work-from-home solutions.

Quill’s business model fits the business needs of an early-stage company. These businesses need business credit accounts to establish a reported credit history.

Quill offers significant savings on products purchased through member pricing for those who pay an annual fee. It offers incentives to establish annual membership at $99 (or a discounted membership rate).

Amazon (Pay by Invoice)

Amazon’s Pay by Invoice program for business accounts provides a credit line (business loan) limit up to your monthly spend amount. A regular account offers net 30 terms upon approval of your credit application. With Pay by Invoice, Amazon doesn’t charge upfront interest or fees.

The Pay by Invoice approval process is rapid. Amazon emails applicants a decision about approval within hours. Amazon Business Prime members are eligible for longer payment terms up to an approved credit limit. Amazon Business Prime members (paying a Prime membership fee) can apply for 45-day credit terms with the Small or Medium business plans or 60-day payment terms with the Enterprise plan. 

Newegg Business

Newegg Business is the business arm of Newegg, a large computer electronics and computer parts e-retailer. NeweggBusiness also offers software, storage, networking devices, office supplies, office furniture, janitorial supplies, safety supplies, and automotive and industrial supplies. 

Newegg Business offers no-fee net30 accounts for businesses that it describes as a net 30 terms credit line. Set up a NeweggBusiness account before having your primary account holder apply for credit terms. The net 30 application takes five to 10 business days to process. 

Home Depot 

You must be an Authorized Officer and Controlling Party of the business entity to submit this application. When opening an account, Federal regulations require that we obtain, verify, and record information for Beneficial Owners of an entity customer. For this application, Beneficial Owners are key individuals who directly or indirectly own the company, at a level of 25% or greater ownership, or are the trustee of a trust that has 25% or greater ownership. If a Trust owns 25% or greater, then enter the Trustee’s information as the owner.


Walmart offers a Community Card that gives approved business organizations net 30 terms. For the Community Card Walmart net 30 account application, supply the following information:

  • Business legal entity name

  • Tax ID Number (TIN)

  • Physical address

  • Billing address

  • Contact information 

  • Industry information

  • Gross annual revenue

  • Your full name

  • The full names of any purchasers &/or business controller (as required)


Grainger is an industrial supply company. Grainger also offers cleaning & janitorial supplies, maintenance & repair supplies, operating supplies, packaging & shipping supplies, safety, lab supplies, and hospitality industry supplies.

Summa Office Supplies

Summa Office Supplies is a mail-order office product and supplies company based in Encino, CA. 

Summa Office Supplies answers how to use net 30 accounts in two FAQ questions. Once you have an approved Summa Office Supplies net 30 account, click the button “Bill My Net 30 Terms Account” at checkout to receive an emailed digital invoice. 

For on-time payments, each invoice must be paid between one and 29 calendar days from the purchase date. The Summa system tracks the payment speed of prompt, slow, and later payers. 

Creative Analytics

Creative Analytics is a digital marketing agency and management consulting company. Creative Analytics offers companies net 30 account terms as its Business Credit & Net 30 Program. 

Creative Analytics offers net 30 credit to both new and established companies. The Net 30 account application process doesn’t require a personal guarantee or personal credit check. 

The Tier 1 program is for new businesses establishing credit through just their tax ID.

Creative Analytics offers clients a monthly revolving credit line with zero-interest for services. This monthly digital subscription services plan gives customers a $10,000 tradeline credit boost.

What Types of Financing Does a Net 30 Account Replace?

Business owners and startup companies don’t have to use their personal credit cards or cash to pay upon purchase when they get net30 accounts. Nor do they need to use business credit cards. 

With trade credit, including net 30 accounts, a small business may not need to tap a line of credit from traditional bank lenders. A line of credit is tied to their business bank account. They may not need to get a new loan to pay for inventory.

A cash conversion cycle is the time between purchasing and collecting accounts receivable in cash. If their cash conversion cycle is short, paying the invoice from sales proceeds may be possible.

Which Business Credit Bureaus are Important and Why?

The SCORE volunteer program partners with the U.S. Small Business Administration (SBA). According to SCORE, the three major business credit bureaus are Dun & Bradstreet, Experian, and Equifax. Creditsafe is another sizeable global provider of credit reports.

A small business pays supplier invoices by the due date to establish a positive credit profile score. The credit score is based on payment history. It also includes other factors like financial strength.

A company will gain opportunities for a larger vendor credit limit and early payment discounts like 2/10 net 30 from some vendors.

Conversely, if a company has a track record of late payments in its business credit history, its business credit report score suffers. 

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