GET BUSINESS TRADELINES

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Tradeline Requirements

Quick overview of what your business needs to qualify:

✅ Business is 7+ months old (for new lines)
✅ Backdated lines require business to be 12+ months old
✅ Registered as an LLC, S-Corp, or C-Corp
✅ Active and in good standing with the Secretary of State

How These Tradelines Work

New Lines vs. Backdated Lines

New Lines (Start Now)

Brand-new accounts that start reporting this month so lenders see your business making payments right away.

Backdated Lines (Head Start)

These show 12–24 months of on-time payments from day one — instant age and trust that can help unlock higher approvals.

Option 1: New Installment Tradelines

Upload: 12th • Posting: by 22nd

How New Lines Work: your first payment is applied immediately to the balance. We then pay down 75% of the balance over the next 90 days. The remaining 25% is paid down over the following 18 months. Simple, steady history that lenders can see.

$25K Installment Tradeline

$1,000

Starter business cards & store cards
Work van / small business vehicle
NET accounts + basic limits
Credibility without years in biz
Begin stacking lines

$50K Installment Tradeline

$2,000

$25K–$75K biz cards
Entry-level biz loans
Office gear or small fleet
Higher-tier store/NET30s
Fintech & alt-funding ready

$100K Installment Tradeline

$3,000

$50K–$150K cards & LOCs
No-PG equip. financing & MCAs
SBA microloans / WC lines
Biz vehicle leases / small truck
Multi-card stacks w/ majors

$150K Installment Tradeline

$4,000

$100K+ limits from banks/CUs
Corporate gas / fleet funding
Real estate or build-out ready
Private/venture funding options
Multiple lines / split limits

Option 2: Backdated Installment Tradelines

Upload: 12th • Posting: by 22nd

How Backdated Lines Work: your business must be at least 1 year old. The tradeline is set up so it looks like it has 12–24 months of on-time history, with about 75% of the balance already paid off and only 2–3 payments remaining. Lenders see a seasoned account that’s almost finished. On SBFE, it shows as a mostly paid, seasoned line; on Experian, it first shows the full balance and then auto-corrects on the next monthly billing cycle to match that paid-down, seasoned look.

$25K Backdated Installment

$1,500

Appears ~12 months old
Faster starter approvals
Store cards & NET accounts
Early credibility signal
Stack more lines sooner

$50K Backdated Installment

$2,500

12–24 months of history
$25K–$75K biz card lanes
Entry loans underwrite easier
Higher-tier vendor accounts
Speeds up trust with lenders

$100K Backdated Installment

$4,000

$50K–$150K cards & LOCs
Seasoned trust from day one
SBA microloans / WC lines
Vehicle leases & equipment
Multi-card stacks w/ majors

$150K Backdated Installment

$5,500

$100K+ limits from banks/CUs
Corporate gas & fleet programs
Real estate build-outs ready
Private/venture funding lanes
Supports multiple split limits

$250K Backdated Installment

$9,500

Positioned for $150K–$300K total approvals
Secured LOCs & high-limit loans
Fleets, inventory, or marketing capital
Bank statement & term loans
Funding-ready for institutional lenders

$500K Backdated Installment

$12,500

Approved for $250K+ through multiple sources
High-limit charge cards & unsecured LOCs
CRE, build-out, or franchise financing
Bank-level underwriting & private capital
Scale with multi-million lender partners

Cart Summary

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Proof of Posting

Real reports from real clients — posted to Experian Business & SBFE.

Reported to Experian Business and the S.B.F.E.

Frequently Asked Questions

What is Business Credit?+

Business credit is your company’s record of borrowing and paying on time. Lenders use it to decide if they should approve you and for how much. Strong business credit can lead to higher limits, better terms, and faster approvals — separate from your personal credit.

Which bureaus do these report to?+

They report to Experian Business and SBFE (Small Business Financial Exchange).

When will my tradeline show up?+

We upload on the 12th of each month. All Tradelines show by the 22nd on Experian Business and SBFE.

New vs. Backdated — what's the benefit of each?+

New Lines: fresh accounts that begin reporting now — ideal for getting quick, visible payment history.

Backdated Lines: appear 12–24 months old with steady history from day one — great for unlocking higher limits and building trust quickly.

Can I order more than 1 business tradeline at a time?+

Yes. Multiple lines add depth and more positive data points, helping underwriters see consistent activity — which may support higher approvals.

Do I need to personally guarantee these?+

It depends on the 3 C’s: Collateral, Cash-Flow, and Credit. Strong business files may avoid a PG; developing files may require the owner to co-sign until the profile strengthens.

Meet Bill & Maisha — Founders of The Bradford Method

We help entrepreneurs build fundable business credit profiles that lead to real approvals. Our verified installment tradelines give lenders the data they need to say “yes.”

With decades of combined experience in lending strategy, underwriting, and credit development, we’ve helped hundreds of business owners secure meaningful approvals for cards, LOCs, vehicles, and equipment.

Our mission: deliver clear steps, verified reporting, and lender-ready profiles so you can fund your vision with confidence.