Fidextech Net 30 Review: Can it Help Build Business Credit? 

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fidextech net 30 review

Historically, business credit building with net 30 terms has been reserved for vendors that sell business and office supplies or fuel cards. But, in the age of the internet, digital services like Fidextech have started to offer net 30 terms and business credit building opportunities. 

Unfortunately, not all offers are created equal. It’s important to understand exactly what you’re getting when you sign up for an offer that promises to help you build business credit. Find out whether or not enlisting Fidextech for your digital creative needs will help you meet your goals.

This is what’s in store: 

Now, let’s dive in!  

What is Fidextech?

Fidextech reviews

Fidextech is an NYC metro area digital design studio that offers a range of offers that aim to help businesses grow. 

Their services include: 

  • Digital marketing
  • Creative works & design
  • Web packages
  • Hosting
  • Product photography

As a bonus, they offer net 30 terms, which means you can pay your balance within 30 days – you don’t necessarily have to pay right away. In some cases, net 30 vendors can help you build business credit, which is a great way to get the capital you need to grow your business. I’ll share more on that later. 

You might also like: The CEO Creative Net 30 Review: Is it Worth Your Time? 

Fidextech Company Overview

Fidextech LLC

Fidextech LLC is a Madison, New Jersey-based business services agency that was founded in 2017 and registered in September, 2020. Multiple sources cite the company as having ten or fewer employees. 

The only human name I found to be affiliated with the company is Jeff Cyprien. On LinkedIn, he’s known as “Jeff C.” and lists himself as the Managing Director of the company.

Fidextech CEO

Cyprien’s previous experience includes a few years as a Quality Assurance Automation Engineer at Verizon and Newtech and a few years as a Customer Service Social Media Associate at Conduent. I can’t say for sure that Cyprien is Fdextech’s founder, but it appears that is the most likely case. 

While I couldn’t find a Better Business Bureau profile for the company, and nobody has mentioned them on Reddit, Fidextech is listed on Trustpilot. Of their 10 reviews on the platform, most of them are positive, yet their TrustScore is a middling 3.2. One user reports “very rude” customer service, while the rest of the feedback is pretty positive. 

Fidextech Trustscore on Trustpilot

Overall, there’s a lack of transparency, which leaves me without enough information to give you any sort of opinion on the company’s legitimacy. If anything, I might say that their website and offer is deceivingly professional looking without enough trust signals. 

You might also like: The Growegy Net 30 Account: Is it a Legitimate Offer? 

Fidextech Features

Now, for the offer. If you sign up with Fidextech, this is what you can likely expect, based on the website and advertising. 

1. Digital Marketing

The lower Domain Rating of Fidextech’s website (3.3 out of 100, according to Ahrefs) suggests that they may not have so-called “expert” SEO marketing skills. Or, to be fair, maybe they don’t implement their skills to the fullest for their own brand… 

To double-check my initial assumption, I decided to peek in at a couple of their digital marketing clients’ websites at random: 

  1. prophecyhomecare.com 
  2. savorird.com
Fidextech client website metrics

The first has low ranking metrics and the latter isn’t reachable, as of mid-September 20204. So, I don’t see any sign that they can deliver on the digital marketing offer.  

Fidextech also offers digital marketing consultation. I wouldn’t be any more eager to hire them for this than I would marketing implementation. 

2. Creative Works & Design

Fidextech website design example

I won’t be so hard on Fidextech in the creative works and design arena—the few client websites I was able to pull up at were aesthetically appealing. And, if the brand’s own website is a testament to the agency’s skills, I would say they at least know what they’re doing in the way of web design. 

However, their work examples were out of date when I viewed them. Several of the websites in the Fidextech case studies section were no longer live when I tried to view them.  

3. Web Packages

If you sign up for a web package, Fidextech promises to help you with eCommerce (online shopping), CMS web design (WordPress), web development, and web support. 

This means you can get help designing, redesigning, or migrating your website. You’ll need to request a quote to find out how much a customized package will cost.  

4. Hosting & Domain Registration

Fidextech domain registration

Fidextech also offers shared and cloud hosting, dedicated server space, domain name registration, and hosting support. This can be really helpful if you’re not technologically inclined. 

They offer the following domains for registration: 

  • .com
  • .tech
  • .club
  • .blog

The main problem with relying on someone else for these types of services is that they might end up being the one in control of your account. But, this can be a good thing if that’s what you prefer. 

5. Product Photography

Finally, Fidextech advertises product photography services. If you need help with food photography, eCommerce or advertising product photography, or still life photography, this could be a great add-on service.   

Usually, specialized photography is a standalone offer that requires you hire someone separate from your web developer or take your own website photos. So, this service might give Fidextech an edge. Sadly, I couldn’t find examples of their photo quality, so I can’t recommend this service either.

6. Dedicated Account Dashboard

Fidextech user dashboard

It’s interesting that Fidextech offers an account dashboard for a marketing services offer. At first, it seemed more like a project tracking dashboard, but I noticed you can add services once you’re logged in. 

You can register, renew, and transfer website domains without speaking to anyone at the company from inside your Fidextech dashboard…Proceed with caution because it’s impossible to say how reliable this platform’s hosting is. 

Fidextech Net 30 Overview

Fidextech net 30

Fidextech offers net 30 terms to “approved” customers. In this case, it appears as though you would need to be approved for the FairFigure card, which is a business credit builder offered by a third party. 

So, you’ll need: 

  • A legally established entity.
  • An EIN.
  • A business bank account that connects to Plaid.
  • Probably at least $2.5K in monthly revenue.  

I’ve read that most businesses that apply will qualify for an initial limit of $1000 on the FairFigure card. After you’re approved, you’ll be able to pay for your Fidextech digital services with the dedicated card and pay later with net 30 terms. 

The FairFigure Review is coming soon, so sign up for our emails or come back soon to learn more. 

What Credit Bureau(s) Does Fidextech Report to? 

Fidextech net 30 business credit reporting through FairFigure

Most business net 30 accounts that offer reporting will report directly to a business credit bureau or multiple bureaus like Experian Business, Equifax Commercial, or Dun & Bradstreet.  As of September 2024, Fidextech currently reports account payments to FairFigure, which is a newer credit building platform, NOT a business credit bureau. 

According to FairFigure’s official website, they report data to Equifax Commercial, CreditSafe USA, SBFE, and their own Foundation Report. So, through Fidextech (if they hold up their end of the bargain), you may be able to get on-time payments reported to these bureaus through the third party service. 

There is no indication that your payments to Fidextech will be reported to Experian Business nor Dun & Bradstreet—This may change, so check the official website for the most up-to-date information. 

Recommended: Everything You Need to Know About a DUNS Number – and Why You Should Care 

How Do You Cancel a Fidextech Account? 

To cancel your Fidextech account, provide a 30-day notice via phone at (877) 353-5223 or make an appointment via the Fidex.tech contact form. Access to products will be suspended upon termination. 

According to their terms, you may be able to terminate immediately if Fidextech becomes insolvent or breaches the contract. 

You can request a refund for clear balances in your advance account, unless you violated the agreement. Refunds will be processed within 14 business days, minus bank fees. 

Payments during a trial period or already debited amounts are non-refundable. Follow Fidextech’s guidelines for proper cancellation and refunds.

You might also like: Office Garner Review – NET 30 Vendor 

Conclusion: Is Fidextech Legit for Business Credit Building? 

While Fidextech offers an intriguing opportunity for businesses seeking to build credit through net 30 terms, potential users should approach with caution. The range of services—from digital marketing to product photography—presents a comprehensive package, but the company’s transparency and customer service reviews raise concerns. 

The lack of a solid track record, coupled with limited information on its business credit reporting practices, makes it crucial for you to weigh the pros and cons carefully. 

Before you commit to anything, make sure you fully understand the terms and your eligibility for the FairFigure card, as well as the implications of relying on a third-party credit builder. 

Do you want to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

The CEO Creative Net 30 Review: Is it Worth Your Time? 

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The CEO Creative

When you’re building business credit, you should be on the lookout for vendors that can report on-time payments to business credit bureaus—This can help you establish your company as a responsible entity that can later obtain larger lines of business credit. The CEO Creative is one such vendor that has a particularly interesting offer. 

Here, we’ll look at the offer in full. Then, you can decide if you want to 

This is what’s in store: 

Now, let’s get to it! 

What is the CEO Creative? 

Ceo creative reviews

The CEO Creative offers a Net 30 account specifically designed for US-based businesses. They have a minimum requirement of being operational for at least 30 days and maintaining a clean payment history. 

The CEO Creative net 30 program provides access to a diverse range of products and services including: 

  • Branded apparel
  • Office supplies
  • Electronics
  • Logo & web design 
  • More

By opting for their net 30 account, you can enjoy benefits such as interest-free purchases, automated accounting reports, and online support—This setup is meant to help you manage cash flow effectively by allowing up to 30 days to settle payments after purchase, streamlining your accounting processes, and aiding in inventory and profit forecasting. 

Once you sign up, you may be able to access a CEO Creative coupon code on their Special Offer page. 

The best part? CEO Creative is designed to help you build credit by reporting on-time payments to business credit bureaus. 

You might also like: How to Build Small Net 30 Tradelines to Get Business Credit 

The CEO Creative Requirements

Does The CEO Creative report to Dun and Bradstreet

To qualify for The CEO Creative Net 30 account, your business must meet several key criteria: 

  • It should be located in the United States
  • It must have been operational for at least 90 days. 
  • It needs a clean payment history with no late payments. 

Additionally, there’s an annual fee of $49 upon approval, and a minimum order of $40 is required when shopping via Net 30.

Now, there are some considerations. If payments are not made on time, it could negatively impact your business credit when reported. And, CEO Creative does not report to Dun & Bradstreet (D&B), which could be a drawback since D&B is often used by lenders to evaluate business credit.

Recommended: Dun & Bradstreet / How to get a DUNS Number 

Who Does CEO Creative Report to? 

CEO Creative reports to Equifax Business—Again, they do not report to D&B. Information reported to Equifax Business does not automatically transfer to Dun & Bradstreet, and vice versa. 

Equifax Business and D&B are two separate entities that collect and analyze business credit information independently. While they both gather data from various sources like trade credit, public records, and financial institutions.

So, if you leverage this service, it will help you build your Equifax Business credit profile, but not your D&B business credit score. 

Recommended: Here’s How to Check Your Business Credit Score, Step-by-Step 

Company Overview

CEO Creative Inc.

The CEO Creative, or CEO Creative Inc., is a Florida-based business that officially filed articles of incorporation in 2020. So, they’re only a few years old. It was founded by Plato, LLC, an entity registered at the same address (on West Dixie Highway in Aventura, Florida). 

The CEO Creative reports to which credit bureaus?

Plato LLC is registered to one Nir Appleton. The only person I found with this name in the area is also the CEO of Simplio Web Studio, and previously worked as: 

  • The Advertising Director at Pita Plus
  • The President of Hot Buckles, Inc. 
  • The Office and Online Marketing Manager at AAB Style, Inc.   

Simplio Labs Inc. is also registered with Florida Sunbiz under Plato, LLC, so I think it’s safe to assume this Nir Appleton is the one behind CEO Creative’s offer—I can’t speak to his business credit authority, but he seems to have diverse entrepreneurship experience. 

I wasn’t able to scrape up anonymous reviews from CEO Creative staff on Glassdoor or any other sites, which tells me the company is small. And, they don’t have a Trustpilot platform or any reviews on Reddit. However, they do have a Better Business Bureau profile, where they maintain an A- rating, despite not being BBB accredited. 

CEO Creative complaint BBB

The CEO Creative has a handful of BBB complaints. Customers accuse them of refusing to close accounts and issue refunds, shipping products despite cancellation requests, and reporting them to credit bureaus without proper notification. 

These Complaints also mention: 

  • Defective products
  • Poor customer service
  • Unprofessional behavior
  • Failure to report on-time payments to credit agencies as promised

The company’s responses have all been satisfactory to the BBB, and all complaints have been closed. 

I would like to see a bit more transparency into the company leadership and will watch to see where they stand in a couple of years, when the business is more established. But, in all, this is a legit company, actively registered and in good standing in the state of Florida.

You might also like: This is How to Leverage Business Credit to Transform Your Life 

What Does the CEO Creative Do? 

In sum, The CEO Creative sells product on a net 30 terms offer, and promises to report on-time payments to Equifax Business. Here are the offers that you can take advantage of to build your business credit with this company.  

Recommended: This is How to Build Business Credit Fast [Step-by-Step Guide] 

1. Physical Products

What does CEO Creative sell?

As a business owner, you can find a wide variety of physical products from CEO Creative to support your needs. Their offerings include apparel, electronics, and phone accessories, which can be essential for your daily operations. For your office, they provide supplies and customizable products to help you stay organized and professional. 

If you want to promote a healthy workplace, you can also explore their gym equipment and health and wellness items. And, they have a range of items like gift baskets, coffee, diffusers, beanies, tape, tumblers, toys, and water bottles, which can be useful for employee gifts or office use.

Let’s compare CEO Creative’s prices to major retailers like Amazon and Walmart:

  • Envelopes: CEO Creative (40/pack) $3.79 vs. Walmart (45/pack) $5.00
  • Pencils: CEO Creative (12 ct) $2.50 vs. Amazon (12 ct) $6.00
  • Sticky Notes: CEO Creative (100 ct, 4/pack) $3.99-$5.99 vs. Amazon (4/pack) $8.00
  • Correction Fluid: CEO Creative (2/pack) $3.49 vs. Walmart (2/pack) $4.50
  • Coffee Tumbler: CEO Creative (14oz) $19.99 vs. Amazon (16oz) $17.00
  • Wireless Camera: CEO Creative $57.99 vs. Amazon $35.00

CEO Creative’s prices are often competitive and sometimes significantly lower, though some items are more expensive. When you’re building business credit, you don’t necessarily need to bargain shop since most of what you purchase for your business you can write off on your taxes. Always speak to an accountant for personal tax advice. 

You might also like: Newegg Net 30: Build Business Credit Shopping for Electronics 

2. Logo & Business Card Design

CEO Creative logo design

CEO Creative offers two graphic design services:

  1. Professional Logo Design is priced at $199, down from $299. This fee covers a modern, high-quality logo, with the design process starting within 48 hours and usually completed in a week. The price seems reasonable compared to the average market rate for professional logo design, which often ranges from $200 to $500.
  2. Business Card Design costs $159. This includes a PNG file and an editable PDF of your business card. Note that printing is not included and is offered separately. This price is on par with industry standards, though it does not cover printing, which is an additional expense.

Overall, the prices are competitive, but be aware that printing services are not included and must be arranged separately.

You might also like: Comprehensive ZenBusiness Review: Is it Legit for LLCs? 

3. Business Design Templates

CEO Creative business templates

CEO Creative offers a range of downloadable business design templates that can be useful for various business needs:

  • Business Plans: Templates for business plans include a 5-year plan at $7.99 for 30 pages, a more detailed 48-page version at $9.99, and specialized plans for industries like Airbnb, beauty, and cleaning, generally priced between $6.99 and $12.99. These prices are reasonable compared to similar templates available in the market, which often range from $10 to $20.
  • Email Newsletters: Templates for email newsletters come in bundles of 30, 50, and 100 pages, with prices ranging from $7.99 to $12.99. These costs are in line with industry standards for professional email templates, which typically range from $10 to $20.
  • Social Media Templates: For Instagram, options include templates for posts, stories, highlights, and more. Prices range from $9.99 to $12.99, which is reasonable for social media design resources. Similar bundles from other providers are usually priced between $10 and $20.
  • Miscellaneous Templates: Other offerings include various business templates like mini bundles at $4.99 and niche bundles for real estate or small businesses, priced around $6.99 to $7.99. These prices are competitive and fall within the typical range for business template bundles.

Overall, the prices for these templates are competitive and reasonable, offering good value for digital design resources. Note that printing is not included and must be arranged separately.

Note that a Canva Pro account starts at $12 per month and you can access premium designs if you want to take a stab at your own designs on the platform. 

You might also like: How Much Does it Cost to Start an LLC (Beyond Licensing)? 

4. Printing Services 

CEO Creative printing products

CEO Creative’s printing services include a variety of products suited for business needs:

  • Bumper Stickers: Priced at $85.00 for a set of 50, these are made from glossy, premium outdoor vinyl with a 3-year durability. This price is reasonable for high-quality, long-lasting bumper stickers.
  • Car Door Magnets: Available in sets of two, with prices ranging from $50.00 to $125.00 depending on size and customization. This is a competitive rate for mobile advertising.
  • Business Cards: Matte business cards are $124.95 for 1K cards. These prices reflect the high quality and variety of finishes available, fitting industry standards for premium business card printing.
  • Brochures: Short-run brochures start at $202 for 50, which is typical for smaller print quantities.

Note that CEO Creative offers several types of business cards, including matte, uncoated, and soft-feel options, to suit different needs and preferences.

You might also like: Summa Office Supplies: Should You Leverage These Net 30 Terms? 

5. Web Packages

CEO Creative login

CEO Creative offers a few web packages designed to meet various business needs:

  • Standard 1 Page Website: At $49 per month for 12 months, this basic package includes a personalized design, secure hosting, regular maintenance, and text content write-up. There’s a $100 setup fee—This option is suitable for simple needs but may not be ideal if your business requires more extensive features or additional pages.
  • Business Website: For $95 per month for 12 months, you get all the features of the Standard plan plus up to 5 pages, website analytics setup, and monthly scans and updates. The setup fee is $179—This plan is a good middle ground for small to medium-sized businesses that need a bit more depth and functionality.
  • Sell Online E-Commerce Website: Priced at $195 per month for 12 months, this plan includes everything in the Business Website package plus up to 10 static pages, unlimited product pages, a free domain name, and 3 hours of remote training. There’s a $299 setup fee—This package is suited for businesses looking to sell products online and need a more robust e-commerce platform.

If you need a more complex website, including features like a blog, you can request a quote. Custom projects involve revolving monthly payments and vary in cost based on the project’s scope—This option allows for more tailored functionality but requires direct discussion with the service provider.

The prices for these packages are competitive and reflect the inclusion of design, development, hosting, and maintenance.

You might also like: A Complete Northwest Registered Agent Review & Analysis 

Alternatives to CEO Creative

CEO Creative competitors

The CEO Creative is not your only option for net 30 spending that reports your on-time payments to business credit bureaus. In fact, there are tons of companies that do just this. 

On our blog, we have a list of net 30 vendors, and give access to our full list to Business Credit Workshop members. However, there aren’t a ton of graphic and web design services that report on-time payments to business credit bureaus—this is where The CEO Creative stands out. But, they’re not your only option. 

There are alternatives to CEO Creative that offer graphic design and/or web packages. For example, Fidextech specializes in web design and digital marketing services such as PPC ads, SEO, and logo design. 

Growegy provides marketing tools and services, including marketing AI software, a project management calendar, and marketing agency services—they also offer annual and monthly payment plans.

NAMYNOT offers a range of digital marketing services, including SEO, content writing, social media management, PPC, and web design and development. 

Meanwhile, Office Garner includes website design services as part of their offerings.

All of these vendors can help with graphic design and web-related needs while offering net-30 terms to build business credit. I always recommend you shop around and find the right offers for you. 

Recommended: 41+ Companies That Help Build Business Credit [Beyond Net 30 Vendors] 

How Do You Cancel CEO Creative?

To cancel your account or services with CEO Creative:

  1. Call The CEO Creative customer service number at (754) 755-0445.
  2. Have your account information ready to help expedite the cancellation process.
  3. Request confirmation of your cancellation to ensure that all services have been terminated and that you won’t incur further charges.

And, it’s always a good idea to ask for email verification when you cancel a service. 

Conclusion: Is The CEO Creative Legit?  

CEO Creative is a legitimate company with a unique offer that allows you to build your business credit while accessing a range of useful products and services. They provide net 30 terms and report to Equifax Business, which can help strengthen your credit profile. 

Though they’ve faced some customer complaints, their BBB rating and active registration in Florida add to their credibility. And while they don’t report to Dun & Bradstreet, you can still benefit from building out your Equifax business profile. 

If their offer aligns with your needs (and you’re comfortable with their terms), CEO Creative could be a valuable tool in your business credit-building strategy. Always do your research and consider all your options before making a decision.

Ready to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

JJ Gold Net 30: Build Business Credit Buying Jewelry +More

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JJ Gold Net 30

Did you know you could build business credit with jewelry, self care, and home decor purchases through JJ Gold? Well, you can—But, is it worth it? I mean, JJ Gold isn’t the only account that offers net 30 terms and reports to business credit bureaus.

Here, we’ll take a close look at JJ Gold’s net 30 offer, minimum purchase requirements, and more. I’ll also share links to some of your other options that could help you accomplish the same end-goal and answer some of the top questions people ask. 

This is what’s in store: 

Now, let’s dive in! 

What is JJ Gold Net 30? 

Jj gold review

JJ Gold’s main brand – Lauren G Adams – is particularly known for its colorful enamel jewelry and bold designs. After almost 30 years in business, they’ve expanded their offering beyond jewelry to cater to various personal needs and preferences.

Today, JJ Gold International is an online retailer that offers a variety of products, including: 

  • Hair & beauty
  • Jewelry
  • Home decor
  • Personal accessories
  • Eyewear

They offer products for both men and women.

JJ Gold price

As for “JJ Gold net 30,” this  refers to payment terms where the customer has 30 days from the date of invoice to pay for the goods or services. So, JJ Gold International offers products with “net 30” payment terms, and this means you have 30 days to pay for their purchases after receiving an invoice.

For new customers, JJ Gold only provides net 30 terms on 50% of purchases, meaning you have 30 days to pay for half of your order after receiving an invoice—For the remaining 50% of purchases, you would need to pay upfront.

These drawbacks, however, aren’t necessarily deal breakers. I mean, it’s the only net 30 offer I know of that sells jewelry. And, you can save 10% on your first purchase with vendor credit by subscribing to their newsletter.

You might also like: This is How to Get Grainger Net 30 Terms (+Build Business Credit)

Can JJ Gold Net 30 Help You Build Business Credit? 

JJ Gold Net 30 reports to Dun & Bradstreet and Experian, which can help you build business credit as long as you pay your account on time. 

Any overdue or unpaid balances will incur a late fee of $25.00 after the due date has passed, plus a 17.99% annual APR interest charge until the balance is paid in full.

If you sign up for the Credit Plus Plan, you’ll agree to monthly automatic payments of $9.99. As a plan holder, you won’t be charged late fees or annual APR for past due invoices for the first 15 days after the original invoice due date. 

Keep in mind, one net 30 account that reports to business credit bureaus typically isn’t enough to help you obtain larger lines of credit. 

Recommended: Using 30 Day Net Vendors to Build Your Business Credit Score 

JJ Gold Net 30 Requirements

To qualify for a JJ Gold net 30 account, businesses must meet specific criteria. 

The requirements include:

  • Active, registered business based in the U.S.
  • Have been in business for at least 30 days
  • Maintain a clean business history, free from late payments or derogatory reporting
  • Possess an Employer Identification Number (EIN) and a Data Universal Numbering System (DUNS) number

If you can meet these terms, you can consider applying. 

Recommended: 41 Companies That Help Build Business Credit [Beyond Net 30 Vendors] 

Company Overview

Jj gold address

JJ Gold International, Inc. is a Florida for-profit corporation that was established on March 19, 1986. The company is currently active and operates out of its principal address at 383 NE 2nd Ave, Hallandale Beach, FL 33009. The registered agent for the company is Joseph Ovadia,who serves as the President and Director. 

The company has maintained its compliance by consistently filing annual reports. Though it appears that JJ Gold filed for a reinstatement with the Florida Division of Corporations on October 25, 2010, which indicates they may have been inactive for a while.

JJ Gold International, Inc. has an A+ rating with the Better Business Bureau (BBB), but is not BBB accredited. Over the past three years, they’ve garnered only one complaint, which was resolved right away. 

JJ Gold net 30 Reviews

They don’t have much of an online presence other than a handful of (completely positive) reviews scattered across social media sites like Facebook. And, I couldn’t find a single open lawsuit—So, while there aren’t a ton of online trust signals, everything I did find looks promising. 

In sum, JJ Gold seems to be a legit company that can help you build business credit. 

Recommended: This is How to Build Business Credit Fast [Step-by-Step Guide] 

How to Apply for JJ Gold Net 30 Terms to Build Business Credit

Before applying for JJ Gold Net 30 terms, ensure that your business meets specific eligibility criteria. Once you’re ready, here’s how to make it happen. 

1. Have Your Documentation Handy

Jj gold net 30 login

Gather all necessary documentation before starting the application process. 

This includes your: 

  • Business registration information
  • EIN
  • DUNS number
  • A digital copy of your (the owner’s) photo ID 
  • A business bill or bank statement 

These documents help verify the legitimacy and identity of your business. Make sure that all documentation is up-to-date and accurately reflects your business information.

2. Review the Purchase Requirements

Before applying for JJ Gold Net 30 terms, ensure that your intended purchase meets the minimum requirement. JJ Gold International typically requires a minimum purchase amount – $80 – to qualify for Net 30 terms. 

Consider your business needs and plan your purchase accordingly to meet the conditions of the terms. 

3. Submit Your Application

Once you’ve confirmed eligibility and prepared all necessary documentation, proceed to submit your application. Visit the JJ Gold International website and locate the application page for Net 30 accounts. 

Fill out the application form accurately, providing all required information and documentation. Take your time to double-check the information entered to avoid any errors or delays in the application process. 

4. Wait for Approval

Jj gold customer service

After submitting your application, be patient and allow JJ Gold International time to review it. The approval process may take some time as they assess your business’s eligibility and creditworthiness. While waiting, you can follow up periodically if there are any updates or inquiries regarding your application status. 

If your application is approved, you’ll receive confirmation from JJ Gold International. This confirmation may come via email or through the online portal where you submitted your application. Review the confirmation carefully and take note of any instructions or next steps provided.

5. Start Using Your Account

Jj gold login

Once you’ve received confirmation of approval, you can start using your JJ Gold Net 30 account to make purchases. Ensure that you understand the payment terms and adhere to them consistently. 

If this is your first order, you’re only eligible for 50% net 30 financing, so order at least $160 to make sure your payment is reported to D&B and Experian. 

Making timely payments is crucial to build your business credit and maintain a positive relationship with JJ Gold. Consider setting up reminders or automated payments to avoid missing deadlines and negatively impacting your credit profile.

Frequently Asked Questions

What is the minimum for JJ Gold net 30?

JJ Gold net 30 typically requires a minimum purchase amount, often set at $80, to qualify for reporting to business credit bureaus.

How many net 30 accounts do I need?

While having multiple net 30 accounts can diversify your credit profile, having just one can also help build business credit. The general recommendation is 3-5. In our Business Credit Workshop I teach exactly how to get a perfect business credit score. 

Do net 30 accounts build business credit?

Yes, some net 30 accounts can help build business credit if payments are made on time and reported to credit bureaus. Timely payments demonstrate your business’s creditworthiness and can positively impact your credit score over time.

Which net 30 reports to Dun and Bradstreet?

JJ Gold and many other companies report to Dun & Bradstreet, one of the leading business credit bureaus, helping you establish and build your business credit profile. 

Conclusion

Still want to build business credit with jewelry purchases through JJ Gold? Here’s the gist of what you need to know. 

JJ Gold International offers a range of products, including jewelry. While the net 30 terms give you 30 days to pay invoices, only 50% of purchases qualify—This is a minor hitch that isn’t typical with all net 30 vendors. But, JJ Gold net 30 does report to major credit bureaus, which can help you build business credit if payments are on time. 

Keep in mind, building business credit takes careful money management—It’s important to pay bills on time and keep a clean credit history to gain trust and access better credit terms. 

Do you want to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

How to Use Business Gas Cards to Build Your Business Credit

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How to use fleet cards to build business credit

After a call with a Business Credit Workshop student of mine, several years ago, I compiled a list of business gas cards. Originally, I summarized the key points from the conversation and shared my findings here. At the time, the article was meant as a supplement for current students of the e-course. I’ve since decided to provide even more information, make it public, and regularly update this directory of credit-boosting business gas cards. 

Here, you will learn what a business gas card is and how it differs from a regular credit card, everything you need to know about using one, and how to select the best card(s) for your company. Then, you’ll find a list of 11 cards to study including terms, rates, and rewards. Read all the way to the end for bonus advice about your application and payments! 

Contents:

Let’s get the ball rolling… 

First, What is a Business Gas Card?

A business gas card, fuel card, or fleet card is a secured or unsecured credit line — often with net 30 or comparable terms — that enables business owners and staff to pay for gas and sometimes other expenses like insurance and auto maintenance. Many cards offer benefits such as fuel cost discounts. And, these cards are typically easier to qualify for than traditional credit cards. 

As a bonus, fleet card servicers typically report on-time payments to business credit bureaus, including D&B. So, fuel cards provide a convenient way for businesses to build credit. 

Frequently Asked Questions

How Does a Business Gas Card Work?

A business fuel card is used in place of cash, credit, or debit to pay for gas. The cards enable drivers within a company to acquire petrol at stations within a designated network. The business, not the individual, is responsible for making the monthly payment in full.  

What Credit Score is Needed for a Gas Card?

While credit cards require certain respective credit scores, business gas cards are often leveraged as secured credit. So, a certain score is not typically required. Instead, the card issuer takes a risk in return for a monthly service fee or other arrangement.  

Can’t You Just Use a Regular Business Credit Card for Gas?

Yes, you can use most business credit cards to pay for gas (if you are authorized to do so). However, with business fleet cards, you often get discounts on fuel. And, some people use fuel cards with net 30 terms to build business credit before applying for a traditional, revolving business credit card? 

Are Company Fuel Cards Worth it?

According to some sources, a gas card is arguably not a good idea. These sources say that fuel card interest rates run higher than a typical credit card and that companies are better off choosing another funding source. However, because of their approval rate, value, and convenience, they are one of the best to build business credit. And, for those naysayers, AtoB has a completely free offer. 

So, yes, company fuel cards are worthwhile for many people. 

What Are the Benefits of Having a Fuel Card?

Business fuel cards come with several advantages. While some of the pros have already been stated, here’s a list of benefits. 

  • Convenience – No need for cash, credit, or debit cards. 
  • Consistent Pricing – Fuel up within one network of stations. 
  • Payment Security – Payments are made through a secure server.
  • Organized Cost Tracking – No need to manually collect receipts. 
  • Tax Write-Off Monitoring – Easily access fuel spending during tax preparation.
  • Discounts & Rewards – Discounts & rewards are offered to cardholders. 
  • Customized Reporting – Gain a clear picture of your fuel budget.
  • Unified Billing – Pay for all business fuel costs at one time. 
  • Account Alerts – Get notified about important account information.
  • Electronic Receipts –  Receive receipts electronically via SMS or email. 
  • Purchase Amount Control – Gain more control over fuel purchases. 
  • Time-Savings – Administration efforts are cut tremendously.  
  • Credit Building – Issuers report on-time payments to credit bureaus. 

With on-time payments, a gas card can tremendously enhance your operations and help increase your business credit score. 

What Business Gas Card is Easiest to Get?

Fleet cards aren’t known for being especially difficult to get. In fact, they’re typically used to build credit. But, in my experience, AtoB looks like the best offer —  they offer a free, secured card to business owners who might not qualify for their normal net 7 terms in the beginning (over time, with responsible payments, AtoB might upgrade terms). 

11 Easy-Approval Business Gas Cards That Can Help Boost Your Business Credit Score

Leverage these companies to build positive trade lines that report to Dun & Bradstreet (D&B) and other bureaus. Responsible use and on-time payments with these vendors will help boost your D&B, Experian Business, and Equifax Business credit scores.

1. AtoB Business Gas Card

AtoB business gas card
  • Terms: Net 7 (pay-in-full weekly)
  • Rates: FREE
  • Rewards: Save up to 25¢ per gallon on fuel purchases, use anywhere Visa is accepted, see the best prices from nearby gas stations, spending control, and use your card to pay insurance, payment, tolls, and more. 

Recommended: AtoB Business Gas Card Review (Is it Really a Superior Card?)

2. Shell Small Business Card

Shell small business gas cards
  • Terms: Revolve or pay-in-full
  • Rates: Up to Prime +20.74% variable APR
  • Rewards: Save up to 6¢ per gallon of fuel purchases and discounts at participating Jiffy Lube® locations.

3. Comdata Universal Mastercard 

Comdata fleet card
  • Terms: Revolve, pay-in-full, or prepaid 
  • Rates: Up to Prime +23.99% variable APR, up to $10 per month service fee, and up to $50 one-time setup fee
  • Rewards: Save up to 6¢ per gallon of fuel purchases, an additional 6¢ per gallon for the first six months, 5% on maintenance at participating Firestone® and Tires Plus® retail locations, and up to 3¢ per gallon rebate with participating merchants within the Retail Savings Network, use anywhere Mastercard is accepted. 

4. Sunoco Universal Fleet Card

Sunoco fleet card by Wex
  • Terms: Pay-in-full
  • Rates: 6.99% monthly percentage rate, $2 monthly service fee, and $40 account setup fee
  • Rewards: Save up to 6¢ per gallon on fuel purchases and up to 25¢ per gallon through the promotional period

5. Exxon Mobil FleetPro™ Card

Exxon Mobil fleetpro card
  • Terms: Revolve or pay-in-full
  • Rates: 23% variable APR and minimum $2.99 finance charge
  • Rewards: Save up to 6¢ per gallon of fuel purchases

6. Conoco Universal Card

Conoco universal gas card
  • Terms: Revolve or pay-in-full
  • Rates: 28.74% variable APR, 0% APR if paid in full monthly, and minimum $2.00 finance charge 
  • Rewards: Save up to 7¢ per gallon, accepted at 95% of gas stations

7. Chevron and Texaco Business Card

Chevron Texaco business card
  • Terms: Revolve or pay-in-full
  • Rates: 9.99% monthly percentage rate with up to $10 service fee
  • Rewards: Save up to 10¢ per gallon on fuel purchases in the first six months

8. BP Business Solutions & Business Solutions Plus

BP business gas cards
  • Terms: Revolve or pay-in-full
  • Rates: 14.99% to 23.99% variable APR (revolving) or 1.95% monthly percentage rate (non-revolving) and up to $10 service fee
  • Rewards: Save up to 6¢ per gallon on fuel purchases

9. Valero Fleet Fuel Cards

Valera Business gas cards
  • Terms: Revolve or pay-in-full
  • Rates: 16% to 24% variable APR (revolving) 1.33% to 2% monthly percentage rate (non-revolving) with no minimum interest
  • Rewards: No discounts (To save up to 8¢ per gallon on fuel purchases, large fleets might look into the Valero Fleet Credit Card)

10. Speedway Business Fleet Card

Speedway gas card
  • Terms: Pay-in-full
  • Rates: 7.99% monthly percentage rate and a $75 minimum service fee
  • Rewards: Save up to 5¢ per gallon on fuel purchases

11: Wex Small Business Fuel Cards

Wex fleet cards

Use Wex to help you make the right card selection for your operations. Choose between credit or charge cards, and select your state and your preferred brand to compare the best available options — they have a ton of cards. 

  • Terms: Variable
  • Rates: Variable
  • Rewards: Variable

Bonus: Business Fuel Card Advice 

The first key to building business credit starts before you obtain your card. When you apply for business gas cards, if you have 5 or more employees and have done business for two or more years, it will usually eliminate your personal guarantee. So, apply as a business using your EIN or DUNS™ number instead of your social.  

Next, the number of employees you have and the amount of time you’ve been in business are stronger indicators of eligibility than the number of vehicles you use. So, if you only have one vehicle, only list one fleet car. The more honest you are, the more relevant terms you will receive.

Finally, you may need to make a tough decision about how to pay on your account. For most gas cards, even with revolving credit, you can avoid periodic interest rates by paying your account in full each period. If you’re looking for the highest possible savings, this is a good idea. 

However, as with most revolving credit, some bureaus consider a small balance under 30% of your limit ideal. So, when you qualify for revolving terms on your preferred gas card, carefully weigh the pros and cons before you determine whether to pay a portion or to pay your entire balance each month. 

Final Thoughts 

If you’ve made it here, congratulations — you are officially one step closer to boosting your business credit score. You have the information you need to fully leverage business gas cards, so go put it to use. In the meantime, Would you like to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today.

Summa Office Supplies: Should You Leverage Net 30 Terms for Your Business Purchases?

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Recently, we published a review of Crown Office Supplies as an early step on the business credit building journey. We discussed why you should be interested in the brand’s net 30 offer and outlined what to expect once you are approved. Now, we’re going to look at one of Crown’s top competitors in the business place products arena: Summa Office Supplies. 

The aim here is to answer the most pertinent questions about this merchant so that you can decide whether to utilize their net 30 terms to establish foundational business trade lines of credit. 

Here’s what’s in store: 

Now, let’s gather more of the puzzle pieces so you can start to see a complete picture of what your Summa experience might be like. 

First, the Summa Office Supplies Catalog in a Nutshell

Nearly every business needs office supplies, which makes Summa a natural option for online shopping. The vendor advertises eight product categories to shop: 

  1. Pens, Pencils, and Markers
  2. Filing Folders
  3. Envelopes
  4. Markers
  5. Tape and Adhesive
  6. Labels
  7. Legal Pads
  8. Correction Supplies

With Summa Office Supplies, you’ll find the major brands you should expect like Bic, Scotch, Sharpie, and more. While seemingly ordinary as far as stationery and other workplace supply retail is concerned, there is a catch. 

The first drawback to this retailer is that you will need to register a business account to see the catalog. You probably want to determine whether you’ll find everything you need before you go through the trouble (although most Summa Office Supplies reviews report that registration is a breeze). There are two tiers for Summa accounts, each with varying catalog sizes. 

Tier one business shoppers will have access to a smaller product selection while those in tier two are able to access the entire catalog. Some business owners have not been satisfied with the first-tier catalog. Others have been able to purchase useful digital products like anti-virus software, MS Office, and educational materials. 

Next, Summa Office Supplies Net 30 Terms

So far, we’ve mentioned Crown and Summa here. These merchants are legitimate net 30 vendors who report payment history to major business credit bureaus. When you purchase under these terms and pay your account(s) in full and on-time, your positive behavior will be reported. And, this will increase the chance for you to obtain higher revolving credit lines for your company in the future. 

Net 30 accounts that are reported to Dun & Bradstreet (D&B) and other business credit bureaus have a few things in common:

  • They offer a “buy now and pay later” option for businesses to get the supplies and equipment they need to operate. 
  • All payments are due in full within 30 days after your order. Some vendors offer net 45 and net 55 accounts wherein full payments are due within 45 and 55 days after an order respectively. 
  • A company’s payment behavior, including on-time, late, and delinquent, will impact a legal entity’s business credit score(s). 
  • Typically, there is a minimum purchase amount to report. 

And, each vendor has terms that are a bit different than the others. In the case of Summa, the minimum qualification terms and benefits vary from competitor offers and between the two internal tiers. 

Net 30 Office Supply Stores Online

For a brief comparison of comparable offers from a couple of other vendors, read this office supplier net 30 competitor analysis. 

For both tiers, Summa Office Supplies’ accounts require the following: 

  • Business credit union or bank checking account
  • Legal business entity and any required business licenses *in good standing*
  • EIN number from the Internal Revenue Service 
  • DUNS number from D&B
  • Identical business address on all documents 
  • $75 minimum purchase for reporting to business credit bureau(s)

And, the usual starting limit for Summa’s net 30 accounts is $2,000. You can potentially qualify for enough credit to buy as many post-it notes and boxes of manilla envelopes as your heart desires while laying the foundation for the ideal business credit score.  

Remember that not paying as agreed on purchases will have a negative impact on your business credit score. As far as the business credit bureaus are concerned, on-time payments signal positive and responsible behavior for this type of account, no matter what price you pay. 

Next, find out what’s not equal within each tier. 

1. Tier-One Minimum Qualification Terms and Summary

The first net 30 tier offer from Summa is the easiest to qualify for, hence it is customarily a fit for newly-established businesses. No personal guarantee is required. This means that your personal credit will not affect your ability to obtain a line of business credit and your account will not be reported on your personal credit profile. 

As stated previously, the product offer for Summa’s tier-one accounts is limited and made up primarily of digital products and software. And, all payments for purchases above the $75 minimum will be reported to Equifax Business. 

After making on-time payments for a brief time, companies are often able to graduate from tier-one to tier-two. So, if you are new to the game and your options limited to the lower rank, don’t think of this as a permanent fail — this type of account can be the perfect stepping stone for early-stage business credit building in various situations.  

2. Tier-Two Minimum Qualification Terms and Summary

Now, Summa’s second net 30 tier has slightly more stringent minimum qualification requirements and is typically a better fit for established companies. And, for an account at this tier, a personal guarantee (PG) may be required by the vendor. 

In this case, the person listed on the application will be personally liable for any debts incurred should the financial obligation not be met on-time. Furthermore, tier-two net 30 accounts from Summa might appear on applicants’ personal credit reports. 

But, here’s the best part: All payments (and any missed payments) toward purchases greater than $75 on this type of account will be reported to D&B. Since this is the credit bureau that most business lenders turn to for information about a company’s creditworthiness, an account at this level will have an optimal impact on your PAYDEX score (credit grading system used by D&B). 

Who does Summa Office Supplies Report to?

Now, 4 Steps You Can Take Right Away

Summa Office Supplies is a leading net 30 vendor that you can take full advantage of for the purpose of boosting your business’ credit score. Despite the general consensus that this particular merchant’s product offering could afford to be built out, this is definitely a valuable offer. On-time payments made on orders with prices as low as $75 can bring you a step farther along the path to a perfect business credit score. 

Now that you know more about the net 30 account options that Summa has to offer, here are steps you can take to raise your business credit score starting right now: 

  1. Register an account with Summa Office Supplies. Be certain that your business address is accurate and that it is printed exactly the same across all of your documents (including all licenses and business profiles). 
  2. Determine which of Summa’s net 30 tiers your business is most likely to qualify for and decide whether this vendor is appropriate for you. You will have access to more related information following registration than you can find on the website when browsing as a guest. 
  3. Either apply for and accept the net 30 terms that Summa offers… …OR… ..Select a trade line that is better suited to your business needs. If you choose the latter, be certain that the vendor you pick reports payments to D&B and that you are informed about any terms and conditions that might stand in the way of reporting. 
  4. Discover how you can get $100K in revolving business credit in as little as 30 days and gain immediate access to member-exclusive content (including a comprehensive list of net 30 vendors that report on-time payments to D&B) by enrolling in Business Credit Workshop.

How Can Crown Office Supplies Help You Build Business Credit?

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Crown Office Supplies Reviews

When you start on your business credit building journey, shopping with net 30 vendors that report to D&B should be one of your first steps. While Crown Office Supplies isn’t your only option, purchasing from this brand using 30-day net terms is becoming a popular way for businesses to improve their credit scores. So, I want to share everything you need to know to decide if their short-term financing program is right for you. 

Here’s what you’ll find. 

Keep reading to find out how Crown Office Supplies can help you on your path to obtaining higher business lines of credit. 

NET 30 Application - Crown Office Supplies
NET 30 Application - Crown Office Supplies

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A Full Crown Office Supplies Review

As the name suggests, Crown Office Supplies sells stationery, writing utensils, filing cabinets, and other materials you might need to use in the workplace or in a classroom. So, they are an obvious choice for any business to shop with. 

Crown Office Supplies customer service

Another bonus perk of shopping with Crown Office Supplies is that they have a referral program. If you refer a friend or colleague to shop on their website, you can earn $15 in cash. 

But, how do they stack up against competitors for building business credit? And, what kind of impact can their trade line of credit have on your business credit score? 

Now, let’s examine the brand’s complete offering. 

What is Net 30 and Why Should You Care? 

If you’re not familiar with net 30 terms, basically this just means that you buy now and pay later. In the case of net 30 terms, you must pay in full within 30 days. In the case of net 45, you would need to pay in full within 45 days and so on. 

Crown Office Supplies enables businesses to apply for a net 30 account. While this is a convenient option for companies who might not have the immediate cash flow to pay for supplies, the true beauty is that on-time payments to a company that reports to business credit bureaus can result in a boost for your business credit score. Crown Office Supplies is one such company.

Recommended: Using 30 Day Net Vendors to Build Your Business Credit Score

Both established and new businesses can leverage net 30 terms from Crown Office Supplies. 

How to Apply for Net 30 Payment Terms

If you want to leverage net 30 terms from Crown Office Supplies, here’s what you need to do. Before you apply, you need to get a few items out of the way. 

  1. Form a legal business entity in your state.
  2. Apply for an employer identification number (EIN).
  3. Get a DUNS number.  

After that, you’ll visit the Crown Office Supplies website and navigate to the Net 30 Application. Then, fill out the application with your information and read the terms carefully before your submit. 

Crown Office Supplies will contact you via email to let you know whether or not you have been approved for financing. Once you are approved, you simply shop for supplies you need to run your business thend pay your balance in full each month. 

Who Does Crown Office Supplies Report to? 

At the very least, when utilizing net 30 terms to build business credit, you want to work with vendors who report to Dun & Bradstreet (D&B). D&B is the bureau that most banks and credit unions look to when deciding whether or not to extend credit to a business. Fortunately, Crown Office Supplies reports on-time payments to five business credit bureaus: 

  1. Dun & Bradstreet
  2. Experian Business
  3. Equifax Business
  4. CreditSafe
  5. National Association of Credit Management
Crown Office Supplies Reporting Agencies

So, you can rest assured that your payments will be reported to every possible business credit monitoring agency. This is excellent news. No matter which bureau your lender uses, they will be able to see your responsible credit behavior as soon as it’s reported. 

When Will On-Time Payments Be Reported? 

As with most net 30 vendors that report on-time payments to business credit bureaus, Crown Office Supplies will report on-time payments regularly. In this case, payment history will be reported every 30 days. So, in as little as a month, you could have a tradeline reporting on your credit reports. 

Competitor Analysis

It’s possible that you’ll find better pricing for office supplies at major retailers like Costco, Walmart, or Amazon, that’s not what we’re looking at here. Direct competitors report on-time payments on trade lines of credit to business credit bureaus. Crown Office Supplies’ key competitors are Quill and Summa Office Supplies. 

So, how do these three brands compare?

Net 30 Office Supply Retailers

Quill, Summa, and Crown Office Supplies offer net 30 terms. Plus, when you make on-time payments to these vendors, they will be reported to D&B as well as Experian and Equifax’s business monitoring bureaus. For building credit, one office supply vendor is not necessarily better than another. 

However, there are stipulations you must meet to leverage net 30 terms. 

  • Crown Office Supplies’ annual fee is $99 (which is also reported to business credit bureaus). 
  • Quill requires that you order $100 or more in products per month over a three-month period before you qualify. 
  • Summa Office Supplies has a minimum $75 order requirement the first month for eligibility. 

So, choose the vendor that meets your product and budget needs. 

Final Thoughts 

When establishing your first five trade lines of credit, Crown Office Supplies could be an excellent vendor to establish net 30 terms with. And, as long as you make on-time payments, this will have a positive impact on your credit score.

If you’d like to learn exactly how to leverage vendors like this to boost your D&B score and to obtain up to $100K in business credit in 30 days, enroll in Business Credit Workshop today.

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