14 days free on every plan. No credit card. Cancel any time.
Pricing built for
honest growth.
Three plans.
14 days free on every one.
From$29·$79·$149per month · billed monthly · cancel anytime
Monitor
Track existing credit profile.
- Paydex score tracking
- Read-only roadmap
- Email score alerts
- Basic vendor database
Builder
Most popularFull AI guided building.
- AI Roadmap, regenerate 1x monthly
- AI Coach, 50 messages daily
- Basic PDF reports
- Full vendor database
- Application tracking
Accelerate
Faster path, more leverage.
- Everything in Builder
- Unlimited AI chat
- Unlimited PDF reports
- Exclusive vendors (Brex, Ramp)
- Roadmap regenerate 2x monthly
What business owners actually ask.
Building business credit generally takes 6 to 18 months. Phase 1 (EIN, DUNS, basics) typically takes 2 to 4 weeks. Phase 2 (reporting trade lines, first business card) typically takes 3 to 6 months. Phase 3 (larger credit lines and bank relationships) takes longer still. Timelines vary by business and nothing is guaranteed — but anyone promising a shortcut is optimizing for their own signup metric.
No. The whole point is credit that does not depend on you personally. Many starter vendors (Uline, Quill, Grainger) typically base decisions on EIN + DUNS plus a small first order rather than a personal credit check — though every vendor makes its own approval decisions. Bank lines later may pull personal credit.
Nav monitors. Sterling builds. Nav shows your scores; Sterling tells you exactly what to do next to move them. Nav Prime is Nav's paid upsell — still monitoring at heart. Credit Suite is a $2,000+ course; Sterling is $79/mo software. Each comparison below breaks the difference down feature by feature.
You can still start. Phase 1 (EIN, DUNS, address, phone, bank account) requires nothing more than a registered business. Phase 2 starts at month 3 to 6. We pace the roadmap to your actual age. No wasted applications you will get denied for.
You need a registered entity: LLC, S-Corp, C-Corp, or registered sole proprietorship with a fictitious name filing. Business credit reports to the business, not the individual, so it needs a legal business identity. Getting an LLC takes 1 to 2 weeks in most states.
Yes. When you refer another operator and they activate their trial, you both get a $20 account credit applied directly to your next invoice. Track referrals from the Refer tab inside the dashboard once you're signed up. No tiers, no gimmicks, no expiration.
Yes, one click from Billing. Your data stays. If you reactivate later, the roadmap and history come back with you.
Your business is
still guaranteeing everything.
Every month without a separate credit profile is a month your home stays on the line. 14 days free. No credit card.
- 01Personalized 12 to 22 step roadmap, generated from your profile
- 02Full access to 47 tracked Net-30 vendors
- 03Paydex history logging and trend chart
- 04AI coach for step by step guidance
Cancel any time. Data stays if you come back.