- $25K tradeline on Experian
- $25K tradeline on SBFE
For a startup establishing a first credit file.
Free tool, no signup
Know your utilization before a lender does
Enter your revolving accounts and get the two numbers underwriters actually look at: your real utilization ratio and your average account age. Then simulate what one new tradeline does to both.
Everything runs in your browser. Nothing is stored or sent anywhere.
Experian and SBFEThe two files lenders pull
60 business daysTypical posting window
9 month minimumHow long a line stays on file
Up to 5 yearsReported tradeline history
Your profile
Overall utilization
0%
Waiting for accounts
Add at least one account with a credit limit to see where you stand.
0%30%50%75%100%
- Average age
- 0.0 yrs
- Accounts counted
- 0
- Total limit
- $0
- Total owed
- $0
Next step
Get the free lenders list
Fill in your accounts and this will suggest which tradeline package fits your current file.
A PDF of business credit lenders, their reporting bureaus and their requirements.
Revolving accounts
Credit cards, store cards and lines of credit, both open and closed. Leave out installment loans: auto, mortgage, personal and student loans do not count toward utilization.
Simulate a new tradeline
See what an added line does to both numbers before you buy one.
Utilization
0%0%
Average age
0.00.0
Enter your accounts above to model a change.
Factor one
Utilization is measured across everything, not per card
Underwriters divide what you owe on every revolving account by every limit you hold. One card at 90% can be cancelled out by three at zero, and a single maxed card is far less damaging than most people assume.
It also has no memory. Pay a balance down and the new ratio reports on the next statement cycle, which makes it the fastest lever on this page.
30%of a FICO® score, second only to payment history
Factor two
Average age falls the moment a new account posts
Every new line you open divides your total account age by one more account. Open a card with two seasoned accounts on file and your average drops by a third overnight, which is why a burst of applications reads badly even when every payment is on time.
A tradeline with existing history works the other way. It arrives already aged, so it lifts the average instead of diluting it.
15%of a FICO® score comes from length of credit history
6.0Two accounts, both seasonedWhere a lot of files start
4.0You open one new cardAverage drops with no other change
5.3You add a 4 year tradeline insteadThe line arrives with history attached
Fund My Brand
Business tradeline packages
Real credit lines posted to Experian and the Small Business Financial Exchange, the two files lenders pull for business credit. Lines post within 60 business days and stay on file for a minimum of nine months.
- $50K tradeline on Experian
- $50K tradeline on SBFE
For securing entry level funding lines.
- $25K, $50K and $85K lines
- Posted on each bureau
For building credibility with lenders and vendors.
- $100K tradeline on Experian
- $100K tradeline on SBFE
For brands applying for high limit cards or leasing vehicles.
- $50K, $100K and $150K lines
- Posted on each bureau
For entrepreneurs scaling past six figures.
- $50K, $100K, $150K and $200K lines
- Posted on each bureau
Maximum authority, leverage and approval odds.
Scroll for all six packages
Straight answers
Questions people ask first
If yours is not here, the lenders list PDF covers requirements bureau by bureau.
Does this calculator store or send my data?
No. Every calculation happens in your browser. There is no form submission, no analytics on the inputs and nothing written to a server. Close the tab and the numbers are gone.
Which accounts belong in the calculator?
Revolving accounts only, open and closed: Visa, Mastercard, Discover and American Express cards, store cards such as Macy's or Home Depot, lines of credit, and business cards that report to your personal file. Leave out auto loans, mortgages, personal loans and student loans, which are installment debt and do not affect utilization.
Where do I get accurate numbers to enter?
Pull a current report from all three bureaus, Equifax, Experian and TransUnion, and read the limits off it rather than from memory. You are entitled to a free report each year at AnnualCreditReport.com.
How fast does a business tradeline post?
Lines post within 60 business days and remain on file for a minimum of nine months. Reported history runs up to five years depending on the package.
Which bureaus do the business tradelines report to?
Experian and the Small Business Financial Exchange. Dual bureau packages place a matching line on both files, which is what produces the total credit shown on each package card.
Is a lower utilization always better?
Close to it. Reporting somewhere between 1% and 9% generally performs best, because a file showing zero activity across every account gives scoring models nothing recent to read. The meaningful cliff is the 30% line.
The lenders list is free and it is specific
Which lenders report to which bureau, what each one wants on file before it will approve, and the order to approach them in. No cost, no call required.
Sent as a PDF. You can unsubscribe from the list at any time.