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Business Credit Foundations
How bureaus, EINs, PAYDEX and Intelliscore actually work.
A step-by-step education platform that walks you from EIN to 6-figure credit lines — with curated tradeline directories, a 15-step readiness checklist, and an AI advisor trained on the bureaus that score you.
An auto-playing walkthrough of every core feature — courses, AI advisor, readiness checklist, vendor directory, and certifications.
From entity setup to SBA loans — sequenced exactly the way lenders verify you.
25 hand-picked net-30 vendors that approve with EIN-only and report to D&B, Experian, or Equifax — the exact shortlist we use to take a brand-new business to PAYDEX 80+ in 90 days.
Six modules sequenced the way real lenders verify you. Start with foundations, graduate through tier-1 vendor credit, and land at cash funding and SBA loans. Each lesson explains exactly what the bureaus see when they look you up.
How bureaus, EINs, PAYDEX and Intelliscore actually work.
Address, phone, NAICS, D-U-N-S — the unsexy stuff that gets you approved.
Your first five net-30 accounts and how to pay them to hit PAYDEX 80.
Home Depot, Lowe's, Amazon Business, WEX — true revolving credit.
Brex, Ramp, SBA loans, business lines of credit without personal guarantee.
Stay funded for life — disputes, annual maintenance, score recovery.
Read or skim 30+ lessons grouped by tier. Mark each lesson complete as you go — your dashboard tracks your progress.
Every box you check is a real-world action lenders verify. Reach 100% before applying for tier-3 credit.
Filter by tier, bureau reported to, and approval difficulty. Stop guessing which vendors actually build credit.
Sage is trained exclusively on U.S. business credit. Ask anything — what to fix on your D&B file, which vendor to apply for next, whether your NAICS code is high-risk — and get concrete, step-by-step answers. Backed by Claude Sonnet 4.5.
Start with a 7-day free trial — explore every course, every vendor, and chat with Sage. Upgrade once, own everything forever.
Free to start. Walk through the entire curriculum, check off readiness items, and chat with Sage at your own pace.
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