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Direct answers to the questions business owners ask most about the BCC Supplies business credit builder: pricing, bureau reporting, EIN-only tradelines, D-U-N-S numbers, and your personal credit.
Every plan operates at 0% APR for its entire duration, with no extra fees or cancellation penalties. Your monthly payments are applied directly to your commercial installment contract, which simply finances your business's access to our exclusive AI tools and education — while your tradeline reports automatically, on autopilot, every cycle. (BCC Supplies does not lend money — see how this is structured →)
Your tradeline reaches full term and the installment contract is paid down to zero — reflecting a fully repaid installment account on your business credit file. Many members choose to open a new plan to keep an active, reporting tradeline in place, but there's no obligation to continue.
Yes. You can move from Foundation to Momentum, or discuss a custom VIP plan, at any time from inside your account. Reach out to support and we'll walk you through how the change affects your existing tradeline.
Yes. All payments are processed through Stripe, a PCI Level 1 certified payment processor. BCC Supplies never sees or stores your full card number.
Not working out? Exit anytime, no penalty. Not through a self-serve button — every plan is a fixed-term commercial installment contract — but you're never locked in. Contact us by phone or email for any reason and we'll work with you: an approved release never carries an added penalty or hidden fee. Closing a tradeline early can affect your business credit profile though — see our full FAQ breakdown for details.
No. BCC Supplies does not lend money. Your plan is a commercial installment contract for BCC Supplies' own AI tools and education, and the tradeline it creates is reported to the business credit bureaus. (See how this is structured →)
Foundation reports to Experian Business. Momentum reports to Experian Business and Dun & Bradstreet, and VIP reports to all three major bureaus: Experian Business, Dun & Bradstreet and Equifax Business.
No. Your tradeline is reported under your EIN only, never your SSN, with no hard or soft personal credit pull and no personal guarantee.
No. A D-U-N-S number is optional for signing up with BCC Supplies. If you want one, it's free when you apply directly through Dun & Bradstreet, and our D-U-N-S registration guide walks you through it.
Just your EIN. You sign up with your business's EIN, never your SSN, so there is no personal credit check and no personal guarantee.
Foundation is $19/mo and Momentum is $39/mo, each on a fixed 48-month term; VIP is custom-quoted for established businesses. Every plan runs at 0% APR, and what you pay over the full term equals the tradeline amount reported: $912 on Foundation, $1,872 on Momentum.
It is a commercial installment tradeline reported to the business credit bureaus under your EIN, with no SSN, no personal credit pull and no personal guarantee. BCC Supplies does not lend money; the tradeline comes from a commercial installment contract for BCC Supplies' own tools and education.
The amount is your monthly payment multiplied by the 48-month term. A $39/mo plan reports as a $1,872 business installment tradeline, and a $19/mo plan reports as $912.
Lendavo™ access is included on Momentum and VIP, not on Foundation. It is BCC Supplies' funding partner network, meant to help your business find real financing as your file grows.
A D&B PAYDEX score is Dun & Bradstreet's business credit score, ranging from 1–100, based on how promptly a business pays its trade obligations; a score of 80+ signals on-time payment. D&B typically needs at least three active trade references reporting before it will calculate one.
No. No single tradeline can guarantee approval for a loan, credit card, or lease. BCC Supplies builds a real, reported payment history, which is one input among many that lenders consider, and does not guarantee any score, rating, or financing outcome.
More detail: full FAQ · pricing · what gets reported · calculator.
