Build credit in your business name, not against your personal score.

We report your payment activity to the commercial bureaus every month, so your company builds a credit history of its own. Built around your EIN.

Free to start — no card required.

Build business credit in 3 easy steps

Add your business name, address, entity type, and EIN. No card required to start.

Pick which of the commercial bureaus we report your payment activity to.

Your activity goes out on a monthly cycle, and your file builds from there. Each bureau decides how it scores what it receives.

Reports your activity to Creditsafe, Equifax Business, Dun & Bradstreet, and Experian Business.

Creditsafe

We report your account activity to Creditsafe. Scored on a 0–100 scale.

Equifax Business

We report your account activity to Equifax Business. Scored on a 0–650 scale.

Dun & Bradstreet

We report your account activity to Dun & Bradstreet. Scored on a 0–100 scale.

Experian Business

We report your account activity to Experian Business. Scored on a 1–100 scale.

Foundation

A $2,500 trade account, reported every month.

$25/mo

Growth

A $4,000 trade account, reported to all three bureaus.

$45/mo

Premier

For established businesses that need every bureau covered.

$99/mo

What exactly do you report?: Your payment activity on the accounts you hold — submitted monthly, as it actually happened. We report the record; we do not create accounts on your behalf.
How long before it shows up on my file?: Submissions go out on a monthly cycle. Each bureau decides when and how a submission appears, and a brand-new file often takes a few cycles before it is scoreable.
What if something you reported is wrong?: Tell us and we investigate it and correct the record. You can also dispute it directly with the bureau — that right is yours regardless of anything we do.

Add your business, work the checklist, and see the dashboard before you pay for anything. Machai asks for a card only when you choose a plan.

Credit outcomes depend on your business activity and each bureau’s own criteria. No score increase or funding approval is guaranteed.