Build a real business credit profile lenders trust.
We set up your D-U-N-S, plant the right tradelines, and grow your Paydex, Intelliscore, and FICO SBSS — the three scores lenders actually pull when you apply for funding.
Foundation Program
For companies under 2 years old, 12 month subscription required at $200/month until funding-ready.
Your business has its own credit profile.
Most owners only know their personal FICO. Lenders look at three very different scores — and we build all of them.
Dun & Bradstreet Paydex
0–100How fast you pay vendors. Most net-30 suppliers and government contractors check this first.
Experian Intelliscore Plus
0–100Combined business + owner risk model used by SBA lenders, leasing companies, and most banks.
FICO SBSS
0–300The minimum SBA pre-screen score. Below 160 your SBA 7(a) application typically does not move forward.
Why lenders quietly decline most owners
It’s rarely about your revenue. It’s about the file the bureaus already have on your business.
No business credit profile
Lenders can't verify your business — your file is empty.
Low Paydex (under 80)
Suppliers won’t extend net-30 terms or raise your limits.
No reporting tradelines
No history with vendors who actually report to bureaus.
Mismatched business records
Address, phone, and EIN don’t match across bureaus.
No SBSS roadmap
You can’t hit 160+ without targeted credit history.
Personal credit dependency
Every loan still requires your SSN as a guarantee.
What we build for you
The complete infrastructure underwriters expect to see when they pull your business file.
Business credibility audit
D-U-N-S / D&B file setup
Professional business email
Listed business phone
Website + 411 listing
Verified business address
Tier 1 tradeline strategy
Tier 2 growth path
Experian + Equifax monitoring
SBSS readiness review
Monthly progress check-ins
From empty file to funding-ready
Four phases, one clear path. Most clients see Paydex movement within 60–90 days.
Audit & roadmap
We pull your D&B, Experian, and Equifax business reports and map every gap — EIN, NAICS, listings, mismatches.
Build the foundation
D-U-N-S registration, business listings, professional email/phone, and your first reporting Tier 1 tradelines.
Grow Paydex & SBSS
We layer Tier 2 vendors, store accounts, and revolving credit so your scores climb into lender approval ranges.
Funding-ready
Once your file is strong, we position you for equipment financing, lines of credit, and SBA pre-screens.
Built for owners, not big corporations
We work with the people most banks make wait.
Trucking companies
Construction & trades
Immigrant entrepreneurs
New LLC owners
Consultants & agencies
Self-employed pros
What a strong file unlocks
A real business credit profile changes which products lenders even consider you for.
Equipment financing
Purchase or lease equipment in your business name.
Working capital
Cash flow lines tied to business credit, not your SSN.
Business credit cards
Higher limits, rewards, no personal guarantee at scale.
Vehicle & fleet loans
Finance trucks and commercial vehicles cleanly.
Net-30 vendor accounts
Buy from suppliers on terms — boost your Paydex.
Lines of credit
Revolving access to capital as you scale.
Disclaimer: No guaranteed approvals. Outcomes depend on business age, revenue, industry, and individual lender criteria.
Real owners. Real funding.
What changes when your business has its own credit identity.
“Before USTAXX I couldn't get approved for anything. After 6 months, my Paydex hit 80 and I qualified for a $50K equipment loan and got my second truck.”
“As a new immigrant I had no US credit history. They built everything from scratch — D-U-N-S, vendor accounts, a business card. Whole different game now.”
“I was paying everything cash. They walked me through the whole stack and now I have a real LOC and net-30 with my main suppliers.”
“I thought my LLC was enough. Turns out I was missing everything underwriters look for. After working with them I got approved for working capital.”
Frequently asked questions
Everything you need to know about building a real business credit profile.
Build your business credit plan
Fill this out and we'll send you a custom roadmap before your first call.
Your business deserves its own credit identity.
Start building today — your future self is already approved.
Join hundreds of business owners who've transformed their funding access.