List Of Net 30 Companies: Best Vendors to Build Business Credit
List Of Net 30 Companies: Best Vendors to Build Business Credit
03-28-2025, 09:06 AM
A Net 30 account is a payment agreement where businesses have 30 days to pay for goods or services after receiving an invoice. This arrangement acts as a short-term credit line, helping companies manage cash flows without immediate upfront costs. It’s especially useful for startups and small businesses that need to secure inventory, supplies, or services without disrupting their working capital.
Beyond providing financial flexibility, Net 30 accounts play a big role in building business credit. Many vendors report payment history to major bureaus like Dun & Bradstreet (D&B), Experian, and Equifax. Making timely payments helps establish a strong credit profile, which can improve access to better financing terms, higher credit limits, and future growth opportunities.
Net 30 terms are common across office supplies, wholesale distribution, marketing services, and industrial equipment. Vendors like Uline, Quill, and Grainger offer these accounts, allowing businesses to acquire essential products while keeping cash flow intact
Key Benefits of Net 30 Accounts
- Builds Business Credit– On-time payments help establish a strong credit profile, making it easier to qualify for loans and larger credit lines.
- Improves Cash Flow Management– Businesses can secure supplies and services without tying up cash immediately.
- Strengthens Vendor Relationships– Reliable payment history can lead to better terms, discounts, and long-term partnerships.
- Supports Startups and Small Businesses– Many vendors offer Net 30 accounts with no personal guarantee, making them accessible to new businesses with little credit history.
To qualify, businesses typically need an EIN, a registered LLC or corporation, and a business bank account. Some vendors may also require a D-U-N-S number or a minimum time in business.
How to Choose the Right Vendor
Not all Net 30 vendors offer the same benefits. While some help build business credit by reporting payments to Dun & Bradstreet (D&B), Experian, and Equifax, others simply provide extended payment terms without credit reporting. Choosing the right vendor depends on your business needs, industry, and financial goals.
Uline
Uline is a leading supplier of packaging, shipping materials, and industrial supplies, making it a valuable vendor for businesses that require bulk orders. Its Net 30 account is widely accessible, even for newer businesses with limited credit history.
Businesses that establish a trade line with Uline can benefit from its credit reporting to Dun & Bradstreet, making it a strong choice for companies looking to build their credit profile while maintaining a steady supply of warehouse and office essentials.
- Credit Reporting: Reports to D&B
- Best For: Businesses needing packaging, shipping, and warehouse supplies
Uline does not require a personal guarantee, making it an excellent option for startups looking to establish trade credit quickly. However, applicants may need to place an initial prepaid order before receiving Net 30 terms.
Quill
Quill specializes in office supplies, electronics, and breakroom essentials, providing businesses with an easy way to access products while taking advantage of flexible payment terms.
Its Net 30 account is known for its accessibility, making it a go-to vendor for startups and businesses with limited credit history. Unlike some vendors, Quill reports to both D&B and Experian, offering businesses a reliable way to build credit while managing their operational expenses.
- Credit Reporting: Reports to D&B and Experian
- Best For: Startups and small businesses needing office supplies and business essentials
Unlike some Net 30 vendors, Quill does not require a high business credit score for approval. However, they may initially set a low credit limit, which increases over time with consistent on-time payments.
Staples Business Advantage
Staples Business Advantage offers bulk office supplies, furniture, and business technology, making it a strong option for companies with larger purchasing needs. Its Net 30 account provides flexible payment terms, and everything is reported to Experian.
For companies that require large-scale office equipment or frequent supply purchases, Staples Business Advantage provides strong credit-building benefits while offering cost-effective solutions.
- Credit Reporting: Reports to Experian
- Best For: Businesses that require bulk office supplies and IT supplies
Staples Business Advantage requires businesses to be at least 90 days old before applying. While no personal guarantee is required, applicants with limited credit history may be asked to submit a trade reference.
Crown Office Supplies
Crown Office Supplies is one of the most effective Net 30 vendors for credit-building as it reports to all three major business credit bureaus—D&B, Experian, and Equifax.
While it offers a variety of office and business essentials, its biggest benefit is helping businesses build credit quickly. The company is a great option for startups or businesses struggling to establish initial trade credit.
- Credit Reporting: Reports to D&B, Experian, and Equifax
- Best For: New businesses looking to build credit fast
Crown Office Supplies has a membership fee, which some businesses may find restrictive. Still, this fee encourages regular reporting to credit bureaus, making it one of the fastest ways to build business credit.
Grainger
Grainger is a major supplier of industrial equipment, tools, and maintenance products, making it a great Net 30 vendor for businesses in the construction, manufacturing, and maintenance industries.
Grainger’s Net 30 terms are easy to access, and it reports to D&B, making it an ideal vendor for businesses looking to purchase essential supplies while strengthening their trade credit.
- Credit Reporting: Reports to D&B
- Best For: Businesses needing industrial, electrical, or safety supplies
Grainger may require businesses to have a physical office address rather than a PO Box for approval. Additionally, they may ask for trade references for companies with limited credit history.
Newegg Business
Newegg Business provides electronics, IT hardware, and office technology, offering Net 30 accounts designed for businesses needing frequent tech upgrades.
Businesses that set up a Net 30 account with Newegg can manage their IT expenses efficiently while improving their credit profile through D&B reporting. This makes Newegg a strong vendor for tech startups and businesses with ongoing IT needs.
- Credit Reporting: Reports to D&B
- Best For: Tech startups and businesses needing office electronics
While Newegg Business is accessible for many companies, they may require proof of consistent revenue for approval. Businesses with a history of bulk purchases are more likely to receive higher credit limits.
HD Supply
HD Supply is a top provider of construction materials, plumbing, electrical, and maintenance supplies, making it an ideal Net 30 vendor for contractors, real estate investors, and property managers.
HD Supply helps businesses secure necessary inventory while improving their financial standing by offering Net 30 payment terms and reporting to D&B.
- Credit Reporting: Reports to D&B
- Best For: Businesses in construction, property management, and maintenance
Amazon Business (Pay by Invoice)
Amazon Business provides Net 30 terms to eligible business accounts, allowing companies to access Amazon’s vast inventory while deferring payments.
Their Net 30 accounts make purchasing easy and flexible, and Amazon Business may report to business credit bureaus, depending on account type. Its an option that’s particularly useful for businesses that need a variety of supplies and want a streamlined purchasing process.
- Credit Reporting: May report to business credit bureaus, depending on the account
- Best For: Businesses needing a wide selection of supplies with flexible payment options
Key Takeaways on Net 30 Vendors
Net 30 vendors offer payment flexibility and help businesses manage cash flow, streamline purchasing, and build credit. Choosing vendors that match up with your business needs and financial goals, can strengthen your company’s credit profile and secure better financing opportunities in the future.
What Is a Net 30 Account and Why Is It Beneficial?
A Net 30 account is a payment agreement where businesses have 30 days to pay for goods or services after receiving an invoice. This arrangement acts as a short-term credit line, helping companies manage cash flows without immediate upfront costs. It’s especially useful for startups and small businesses that need to secure inventory, supplies, or services without disrupting their working capital.
Beyond providing financial flexibility, Net 30 accounts play a big role in building business credit. Many vendors report payment history to major bureaus like Dun & Bradstreet (D&B), Experian, and Equifax. Making timely payments helps establish a strong credit profile, which can improve access to better financing terms, higher credit limits, and future growth opportunities.
Net 30 terms are common across office supplies, wholesale distribution, marketing services, and industrial equipment. Vendors like Uline, Quill, and Grainger offer these accounts, allowing businesses to acquire essential products while keeping cash flow intact
Key Benefits of Net 30 Accounts
- Builds Business Credit– On-time payments help establish a strong credit profile, making it easier to qualify for loans and larger credit lines.
- Improves Cash Flow Management– Businesses can secure supplies and services without tying up cash immediately.
- Strengthens Vendor Relationships– Reliable payment history can lead to better terms, discounts, and long-term partnerships.
- Supports Startups and Small Businesses– Many vendors offer Net 30 accounts with no personal guarantee, making them accessible to new businesses with little credit history.
To qualify, businesses typically need an EIN, a registered LLC or corporation, and a business bank account. Some vendors may also require a D-U-N-S number or a minimum time in business.
How to Choose the Right Vendor
Not all Net 30 vendors offer the same benefits. While some help build business credit by reporting payments to Dun & Bradstreet (D&B), Experian, and Equifax, others simply provide extended payment terms without credit reporting. Choosing the right vendor depends on your business needs, industry, and financial goals.
Uline
Uline is a leading supplier of packaging, shipping materials, and industrial supplies, making it a valuable vendor for businesses that require bulk orders. Its Net 30 account is widely accessible, even for newer businesses with limited credit history.
Businesses that establish a trade line with Uline can benefit from its credit reporting to Dun & Bradstreet, making it a strong choice for companies looking to build their credit profile while maintaining a steady supply of warehouse and office essentials.
- Credit Reporting: Reports to D&B
- Best For: Businesses needing packaging, shipping, and warehouse supplies
Uline does not require a personal guarantee, making it an excellent option for startups looking to establish trade credit quickly. However, applicants may need to place an initial prepaid order before receiving Net 30 terms.
Quill
Quill specializes in office supplies, electronics, and breakroom essentials, providing businesses with an easy way to access products while taking advantage of flexible payment terms.
Its Net 30 account is known for its accessibility, making it a go-to vendor for startups and businesses with limited credit history. Unlike some vendors, Quill reports to both D&B and Experian, offering businesses a reliable way to build credit while managing their operational expenses.
- Credit Reporting: Reports to D&B and Experian
- Best For: Startups and small businesses needing office supplies and business essentials
Unlike some Net 30 vendors, Quill does not require a high business credit score for approval. However, they may initially set a low credit limit, which increases over time with consistent on-time payments.
Staples Business Advantage
Staples Business Advantage offers bulk office supplies, furniture, and business technology, making it a strong option for companies with larger purchasing needs. Its Net 30 account provides flexible payment terms, and everything is reported to Experian.
For companies that require large-scale office equipment or frequent supply purchases, Staples Business Advantage provides strong credit-building benefits while offering cost-effective solutions.
- Credit Reporting: Reports to Experian
- Best For: Businesses that require bulk office supplies and IT supplies
Staples Business Advantage requires businesses to be at least 90 days old before applying. While no personal guarantee is required, applicants with limited credit history may be asked to submit a trade reference.
Crown Office Supplies
Crown Office Supplies is one of the most effective Net 30 vendors for credit-building as it reports to all three major business credit bureaus—D&B, Experian, and Equifax.
While it offers a variety of office and business essentials, its biggest benefit is helping businesses build credit quickly. The company is a great option for startups or businesses struggling to establish initial trade credit.
- Credit Reporting: Reports to D&B, Experian, and Equifax
- Best For: New businesses looking to build credit fast
Crown Office Supplies has a membership fee, which some businesses may find restrictive. Still, this fee encourages regular reporting to credit bureaus, making it one of the fastest ways to build business credit.
Grainger
Grainger is a major supplier of industrial equipment, tools, and maintenance products, making it a great Net 30 vendor for businesses in the construction, manufacturing, and maintenance industries.
Grainger’s Net 30 terms are easy to access, and it reports to D&B, making it an ideal vendor for businesses looking to purchase essential supplies while strengthening their trade credit.
- Credit Reporting: Reports to D&B
- Best For: Businesses needing industrial, electrical, or safety supplies
Grainger may require businesses to have a physical office address rather than a PO Box for approval. Additionally, they may ask for trade references for companies with limited credit history.
Newegg Business
Newegg Business provides electronics, IT hardware, and office technology, offering Net 30 accounts designed for businesses needing frequent tech upgrades.
Businesses that set up a Net 30 account with Newegg can manage their IT expenses efficiently while improving their credit profile through D&B reporting. This makes Newegg a strong vendor for tech startups and businesses with ongoing IT needs.
- Credit Reporting: Reports to D&B
- Best For: Tech startups and businesses needing office electronics
While Newegg Business is accessible for many companies, they may require proof of consistent revenue for approval. Businesses with a history of bulk purchases are more likely to receive higher credit limits.
HD Supply
HD Supply is a top provider of construction materials, plumbing, electrical, and maintenance supplies, making it an ideal Net 30 vendor for contractors, real estate investors, and property managers.
HD Supply helps businesses secure necessary inventory while improving their financial standing by offering Net 30 payment terms and reporting to D&B.
- Credit Reporting: Reports to D&B
- Best For: Businesses in construction, property management, and maintenance
Amazon Business (Pay by Invoice)
Amazon Business provides Net 30 terms to eligible business accounts, allowing companies to access Amazon’s vast inventory while deferring payments.
Their Net 30 accounts make purchasing easy and flexible, and Amazon Business may report to business credit bureaus, depending on account type. Its an option that’s particularly useful for businesses that need a variety of supplies and want a streamlined purchasing process.
- Credit Reporting: May report to business credit bureaus, depending on the account
- Best For: Businesses needing a wide selection of supplies with flexible payment options
Key Takeaways on Net 30 Vendors
Net 30 vendors offer payment flexibility and help businesses manage cash flow, streamline purchasing, and build credit. Choosing vendors that match up with your business needs and financial goals, can strengthen your company’s credit profile and secure better financing opportunities in the future.