Last Updated August 12, 2025
If you’re trying to grow your business and improve your credit profile, finding vendors who will work on net 30 terms can be a gamechanger.
Partnering with reliable net 30 vendors not only can help stabilize your cash flow, but it can also help you build credit history and improve your score.
Still, not all vendors report to the major credit bureaus (Dun & Bradstreet, Experian, and Equifax). Therefore, if you want to build business credit, you need to find vendors that actually report your activity.
With this in mind, check out this guide to learn how net 30 accounts work, how they can impact your credit, and nine examples of vendors that report to credit bureaus.
How Do Net 30 Accounts Work?
Instead of asking you to pay immediately, a net 30 account gives you 30 business days to pay an invoice. This arrangement gives you a month to address invoices, which can give you enough time to fix gaps in cash flow and other financial issues in your business.
Net 30 agreements also help you build business credit. Making on-time payments tells vendors that you’re financially responsible, which could help you build positive business credit if they report your payments to credit bureaus.
Again, not all vendors report net 30 accounts to credit bureaus. So, if you’re focused on improving your business credit score, you need to work with net 30 vendors that report to credit bureaus. Some even fall into the category of net 30 vendors that report to all three credit bureaus, giving you maximum visibility.
How Can Net 30 Vendors Help Build Business Credit?
If you’re starting a new business, you likely don’t have a business credit score. That’s normal.
Still, you’ll eventually need credit history if you plan on requesting a loan, taking on investors, or making any other financial decision that requires a good credit score.
When you open net 30 accounts to build business credit, you’re creating a payment history that credit bureaus use to evaluate your company’s financial responsibility. When a business makes on-time payments to net 30 vendors that report to credit bureaus, those positive payment behaviors are shared with agencies like DNB, Experian Business, and Equifax Business. Over time, these reports contribute to a stronger business credit score.
It’s understandable if you want to avoid deferring payments, but net 30 terms can help your business by:
- Building your credit profile without a loan or credit card.
- Improving your chances of qualifying for future leases, financing, and better payment terms.
- Giving you access to flexible payment terms, where you have 30 days to pay.
- Strengthening your credibility with suppliers and lenders.
- Potentially increasing your credit limit over time.
The upside is that if you started a business with poor credit, reliably paying off your business debts can still help you gain steadier financial footing. It can take six months or longer to see a change in your credit score, but these steady improvements can have tremendous benefits for your business in the future.
Net 30 Vendors That Report to Credit Bureaus
If you want to build your business credit, work with vendors that report to credit bureaus.
ULine
Buy shipping and packaging supplies from ULine to potentially boost your business credit score. The company does need to approve you for a net 30 account, but once you have one, you can place an order and pay within 30 days, making it a great option for managing operational expenses while building credit. ULine is especially valuable for newer businesses looking for net 30 accounts that report business credit because it usually reports to Dun & Bradstreet, helping you establish your PAYDEX score.
Amazon
Open an Amazon Business account and opt into the Pay By Invoice program. As one of the most accessible net 30 companies that build business credit, Amazon is a smart addition to any credit-building plan, especially for businesses that already rely on Amazon for supplies and equipment.
Supplyworks
Formerly known as Home Depot Pro Institutional, Supplyworks offers commercial accounts and net 30 payment terms to build business credit, which is ideal for contractors, property managers, and maintenance teams. When you open a net 30 account with them, you’ll get invoicing terms and access to bulk purchasing benefits. More importantly, Home Depot is one of the net 30 vendors that report to DNB, making it a strong choice for companies that want to establish or strengthen their credit profile.
Grainger Industrial Supply
If you frequently order industrial supplies, consider working with Grainger. It has a credit department that extends net 30 accounts upon request. Plus, it’s one of the top net 30 vendors that reports to all three credit bureaus. That kind of comprehensive reporting makes Grainger especially valuable for businesses that want to build credibility across the board.
Quill
Quill is a staple for office supplies, and it’s also one of the most accessible net 30 vendors that reports to DNB. Quill is a favorite among small business owners and startups because it often approves newer companies with limited credit history. As one of the original net 30 companies that build business credit, Quill’s diverse offerings make it a good fit for companies in nearly any industry.
Staples
Like Quill, Staples offers net 30 accounts for business credit through its Staples Business Advantage program. The program caters to small and mid-sized businesses, providing invoicing and deferred payment terms on essential supplies. It offers a range of free accounts based on how many employees you have, with fast delivery and cheap prices guaranteed for small businesses with 20+ employees. There are also eProcurement integrations and spend controls for enterprises with 500+ employees. However, Staples is a big company, and its reporting policies vary. In some cases, Staples may only report to DNB, while it sometimes reports to multiple credit bureaus.
Marathon
Trucking or transportation businesses can build credit with Marathon’s fleet card program.
Not only does applying for fleet cards come with perks, like mileage-based rewards, but they also help you build your credit profile through everyday fuel purchases. This option scales up the more cards and trucks you have, helping you grow your credit profile as your business expands.
eCredable
eCredable isn’t a vendor, but a credit reporting service. With eCredable, you link your utility bills to your business credit score, which could help build up your Equifax score. It’s an ideal option for businesses with utility bills, such as water or phone bills, as well as startups without a lot of vendors.
In-Summary: Vendors That Report Business Credit
While there are many ways to build your business credit profile, choosing the right vendors that report business credit is an easy way to prove your creditworthiness over time. Not all suppliers report to bureaus, so it’s critical to work with net 30 vendors that report to DNB, Experian, or Equifax—or, ideally, buy from net 30 vendors that report to all three credit bureaus.
Whether you’re a startup in need of payment history or an established business looking to build a stronger credit profile, opening net 30 accounts for business credit purposes can help you unlock better financial opportunities.
Michael McCareins is the Content Marketing Associate at altLINE, where he is dedicated to creating and managing optimal content for readers. Following a brief career in media relations, Michael has discovered a passion for content marketing through developing unique, informative content to help audiences better understand ideas and topics such as invoice factoring and A/R financing.
