Suppliers that will open an account on terms - invoice now, pay in thirty days - and report how that account is handled.
Owners building a credit file under an EIN, who want to know which accounts are worth opening before they open one.
Net-30 vendor accounts, written up one line at a time
A supplier that bills you now and takes payment in thirty days is the cheapest credit a new business can get, and the only kind that builds a file before a bank will look at you. This site works through which accounts do that, what opening one asks of you, and where the reporting actually lands.
Begin with these
Begin with these pages
D-U-N-S, Unique Entity ID and How Vendors Find Your Business (2026)
What's a DUNS number, and do I need one?
Read the guide ExplainerWhat Is a Net-30 Vendor Account?
Do net-30 vendor accounts really help build business credit?
Read the explainer ShortlistBest Net-30 Vendor Accounts for a New Business (2026)
What are the best net-30 vendors for a brand new business?
Read it How-toHow to Open Your First Net-30 Accounts (2026)
What are the best net-30 vendors for a brand new business?
Follow the steps ShortlistUsing Vendor Accounts to Build a Reportable File (2026)
Do net-30 vendor accounts really help build business credit?
Read it Head to headNet-30 Accounts vs a Secured Business Card (2026)
Should I get a business credit card or a line of credit first for managing cash flow?
Read itLine items
Five subjects that decide whether a vendor account builds anything: the terms, the reporting, the application, the choice of supplier and the timing of payment.
What net-30 terms actually are
An invoice due thirty days after it is issued, and what that arrangement does and does not amount to.
IssuedWhich suppliers report, and where they report it
A vendor account only builds a file if the vendor sends it somewhere. Who receives it decides what it is worth.
IssuedOpening an account: what a supplier asks for
EIN, entity details, a business address, a trade reference - what gets asked, and in what order.
IssuedStarter accounts against established suppliers
The trade between an easy first account and one that carries weight, written out rather than scored.
IssuedPaying early, paying on day 30, paying late
What each of the three does to the account, and why the aging bucket an invoice lands in is the whole point.
IssuedVendor credit, PAYDEX and the DUNS number are defined in the trade credit glossary, and the short answers are in the net-30 FAQ.
Conditions
What every guide and shortlist here is held to, from the starter vendor shortlist to what PAYDEX measures.
Scope of this order
This site covers net-30 vendor accounts and the part they play in building a business credit file: how the terms work, which suppliers report, and what an account has to do to be worth holding.
No scoring is issued
No scores, ratings, star counts or tier boards are issued against any supplier. Where one is preferred over another, the preference is argued in words and you can disagree with the reasoning.
No figures are estimated
Credit limits, approval odds and reporting timelines vary by supplier and by applicant. Where a figure is not published by the supplier, none is printed here in its place.
Aging describes terms only
The aging buckets on this page are the standard accounts-payable day ranges. They describe when an invoice falls due and whether it is late. They are not a judgement of any supplier.
Consideration
Some links on this site earn a commission. That never decides the order things appear in, and it is disclosed on every page it applies to.
Everything here