Systematically build a D&B PAYDEX 80+ score in 60–90 days to unlock enterprise lending and gov contracts.
PAYDEX = D&B's business payment score (0–100, 80 = pays on time). Required for: bank business LOCs >$100K, corporate credit cards without PG, GSA/federal contracts, insurance underwriting. Build: (1) Free D-U-N-S from D&B. (2) Open 5+ Net-30 vendor accounts (Uline, Quill, Grainger, Summa Office Supplies, Crown Office Supplies). (3) Order/pay within 15 days of invoice. (4) Wait 30–60 days for vendor to report. (5) Score updates. Cost: <$500 in supplies you'd buy anyway.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.