Building business credit is an important step for any business looking to grow, but the process can often feel slow, complicated, and difficult to navigate. Many business owners need multiple tradelines and several reporting cycles before they can generate a business credit score, which can delay access to financing when they need it most.
Through Lili’s ongoing collaboration with Dun & Bradstreet, we’re helping make that process easier.
As part of the BusinessBuild Program, Lili has introduced a dual tradeline model designed to help businesses build credit faster and more consistently through the financial activity they’re already managing.
With this update, eligible Lili businesses can now benefit from two distinct tradelines reported to Dun & Bradstreet: the BusinessBuild Card and the program’s monthly add-on fee. That means routine activity, including maintaining an active subscription, can contribute to strengthening a business credit profile over time.
This matters because business credit remains out of reach for many small businesses. Today, only 25% of SMBs have an established business credit score, while more than 70% rely on personal credit for business purposes. At the same time, one in three small businesses still faces a funding gap even after applying for financing.
For many business owners, the challenge isn’t simply applying for capital. It’s having the credit history and financial profile lenders often expect to see.
Traditional lending models frequently rely on collateral, established credit histories, and other criteria that newer or smaller businesses may not yet meet. By bringing credit-building tools directly into everyday financial workflows, Lili is helping businesses begin building credit earlier, with less friction and fewer extra steps.
“For many small businesses, establishing business credit is often a slow and fragmented process,” said Lilac Bar David, CEO and Co-Founder of Lili. “Through our collaboration with Dun & Bradstreet, we’re changing that by embedding two tradelines directly into the Lili experience, so businesses can strengthen their credit profile through the financial activity they’re already managing every day.”
The BusinessBuild Program is part of Lili’s broader mission to help businesses manage their finances with greater confidence, from banking and accounting to taxes and credit-building. By making business credit more accessible, Lili is helping business owners create a stronger financial foundation for future growth.
