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Best business credit apps

By The No Job Lifestyle Team · Last reviewed · How we research

Apps to check, build and use business credit. Free listings, no paid spots.

Listed in no particular order. Last checked November 10, 2026. Nobody paid to be listed and we do not use affiliate links on this page. Check each site for current pricing.

Check and build business credit

Nav

Business credit scores and reports in one place. The paid Nav Prime plan adds business tradelines that report to business bureaus.

Visit Nav

Build business credit

CreditStrong Business

A business credit builder loan that uses your EIN, so you build business credit without using your personal credit.

Visit CreditStrong Business

Business credit file

Dun and Bradstreet

Issues the D-U-N-S number many vendors and lenders use to find your company, and sells business credit monitoring.

Visit Dun and Bradstreet

Check business credit

Experian Business

Business credit reports, with a free company search to see if your business has a file.

Visit Experian Business

Business cards and spend

Ramp

Corporate cards with expense management, travel and bill pay in one platform.

Visit Ramp

Business cards and spend

Brex

Company cards, banking and expense management for businesses.

Visit Brex

Business cards and spend

BILL Spend and Expense

Expense management with company cards, formerly called Divvy.

Visit BILL Spend and Expense

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How Business Credit Apps Fit Together

Business credit lives in separate files at Dun and Bradstreet, Experian and Equifax, tied to your company, not your SSN. The usual order: set up the business (LLC, EIN, business bank account, phone and address), get a D-U-N-S number, open a few vendor accounts that report, then watch your file with an app. Card and spend apps help you manage company spending once you qualify.

Check Where You Stand

Take our business funding readiness score to see what to fix first, or read our business funding page and all credit and funding guides. The SBA business guide covers entity setup.

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Featured on The No Job Lifestyle

Questions People Ask

What is the best app for business credit?

It depends on the job: checking your file (Nav, Experian, Dun and Bradstreet), building it with your EIN (CreditStrong Business) or spending on company cards (Ramp, Brex, BILL).

Can I build business credit with an EIN only?

Some products, like EIN based builder loans and vendor accounts, look at the business instead of your personal credit. Many lenders still check your personal score.

How do I get my app listed here?

Listings are free. Reply to any of our emails with your app's name and site. We review it and add it if it fits our readers.