Start by checking your company’s name, address and existing credit file. If you need a new payment record, compare the reporting products below. If you need to watch an established file, a monitoring service may be enough. A subscription does not guarantee financing.
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Best for Business credit visibility with a subscription tradeline
Nav
Nav brings business credit information and financing tools into one dashboard. Its paid plans can report the membership payment as a tradeline. That is different from a promise that a lender will approve your business.
Best for A cash-secured business installment account
CreditStrong Business
CreditStrong Business is designed around an installment payment record. The loan funds are held as security, so this is a credit building product rather than immediate working capital.
Published cost
Plan-dependent payments and fees; request the full term cost.
What to compare
Company lists reporting to Equifax, Experian, PayNet and SBFE. Term options include 25 or 50 months.
Before you choose
Check the release of secured funds, early closure terms and required ACH payments.
Business Lift can use eligible existing business payments rather than requiring you to take on another borrowing account. Its value depends on which bills can be verified and which bureau accepts that information.
Published cost
Business Lift $19.95/month; Business Lift+ $39.95/month.
What to compare
D&B and Experian receive the subscription tradeline. Equifax can also receive eligible verified accounts in the business name.
Before you choose
The business product and consumer Lift are different subscriptions. Confirm that your chosen bills qualify before subscribing.
Credit Insights helps an owner inspect and monitor a D&B file. The Plus plan also allows qualifying payment information to be submitted for review. File visibility is not the same thing as a newly opened tradeline.
Published cost
Free plan; Basic $49/month or $499/year; Plus $149/month.
What to compare
D&B file information and alerts; additional access varies by plan.
Before you choose
Submitting information does not guarantee its acceptance or a particular score change.
Best for Monitoring one company’s Experian business report
Experian Business Credit Advantage
An annual subscription gives an owner continuing access to one business’s report and changes to that file. It is useful when the task is checking accuracy and catching changes rather than adding a new financing account.
Published cost
$199/year for Business Credit Advantage.
What to compare
Experian business report access and alerts, with features described in its comparison chart.
Before you choose
Business monitoring does not automatically create a new payment tradeline.
Which bureau receives each payment record, and under which business identity?
What is the total cost over the full term, including setup and subscription fees?
Can you use the money immediately, or is it held as security?
What happens to reporting and payments if you cancel?
Our practical starting point
For a new payment record, compare Nav, CreditStrong Business and eCredable. For visibility into an existing file, begin with the D&B or Experian report that matches the bureau your lender uses.
How we made this shortlist
We compared the providers’ published product scope, costs, reporting or eligibility requirements, and the situations each service fits. This is an editorial selection, not a finding that every listed company will give you a better financial result. Prices and advertised rates were checked on October 11, 2026; your current written offer or checkout terms control.
Original source links appear in each listing. No provider is presented as guaranteeing a credit score change, a deletion or loan approval. Read our approach to sources and rankings.