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. Credit bureaus typically require multiple tradelines and several reporting cycles before a business credit score is generated, which can delay access to financing when businesses 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 give businesses more opportunities to work toward building their credit profile 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 paying the monthly card balance and fee, can help build 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.
Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted.
BusinessBuild is an add-on feature available to all Lili Accounts, except sole proprietorships and non-US citizens. After a one-month free trial, account holders will be charged $18 per month for the next three months, then $30 per month thereafter. Monthly BusinessBuild payments are reported to Dun & Bradstreet and may help build your business credit profile. Late or missed payments may negatively impact your profile. By integrating your Lili Account through the D&B Credit Insights banking integration feature, there may be potential for you to positively impact your Delinquency and Failure Scores. Dun & Bradstreet requires a minimum of six months of business banking transaction history to be able to potentially impact these scores. Customers must be enrolled in the BusinessBuild feature to access the Lili BusinessBuild Card (Card). Lili App Inc. (Lili) partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for the Card. Lili is a financial technology company, not a bank or lender. CapitalOS is a financial technology company and lender, not a bank. CapitalOS or one of its affiliates is the lender, and Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa U.S.A. Inc.
