Building business credit can feel overwhelming, especially when you’re already managing vendor relationships, coordinating inventory and logistics, and keeping cash flow steady. Most business owners don’t have time to untangle what business credit is, how it works or even where to begin.
That’s why we created the Lili BusinessBuild Program, a new way to help entrepreneurs grow their business credit profile directly from their Lili account.
Powered by data and credit insights from Dun & Bradstreet, the BusinessBuild Program integrates smart credit-building tools into everyday financial operations, making it easier for business owners to take control of their credit journey. What makes the program so special, is that unlike standalone products, BusinessBuild is fully embedded in your Lili banking platform with no separate apps, no fragmented tools, and no guesswork. It’s the only solution built from the ground up to integrate with your business banking.1
Why Business Credit Matters (and Why It’s Often Overlooked)
If you’re unsure whether your business even has a credit score, you’re not alone. Research shows that 72% of business owners don’t know they have a business credit score while nearly 75% don’t even know where to find it.
“Access to credit is essential for business growth, yet it’s often out of reach for the very businesses that need it most,” says Lilac Bar David, Co-Founder and CEO of Lili.
This lack of awareness can hold businesses back from accessing financing, better vendor terms, and opportunities to grow. The BusinessBuild Program is designed to change that by embedding visibility, education, and action into a single platform.
How The BusinessBuild Program Can Help You Build Your Credit Profile
BusinessBuild is Lili’s credit-building program designed to help you build, monitor, and optimize your business credit profile, all from your Lili account. It includes real-time monitoring from Dun & Bradstreet , a secured BusinessBuild Credit Card, and credit training and guidance.2
The BusinessBuild Credit Card
Even established businesses can find it challenging to access the right credit solutions, especially if their business credit profile isn’t fully developed or visible to lenders.That’s where the BusinessBuild Credit Card comes in.
It’s a secured credit card designed to help you build your business credit profile—without the stress of interest or credit checks.
So what exactly is a secured credit card?
It’s simple: you set your own credit limit by making a refundable deposit. For example, deposit $2,000 and you get a $2,000 credit limit. You then use the card for business purchases and pay off the full balance each month directly from your Lili account.
Every payment is reported to Dun & Bradstreet, helping you build your business credit profile, turning everyday purchases into long-term financial growth.
Connected Credit, Powered by Dun & Bradstreet
Your Lili account now gives you real-time visibility into your business credit health with access to six key credit scores and ratings: PAYDEX® Score, Delinquency Score, Failure Score, D&B Rating, D&B Maximum Credit Recommendation and Supplier Evaluation Risk (SER) Rating.3 Here is a quick breakdown of what each score or rating measures:
- PAYDEX® Score – Payment history based on vendor and supplier payments
- Delinquency Predictor Score – Likelihood of late payments
- Failure Score – Likelihood of business failure in the next 12 months
- D&B Rating – Overall financial strength and business size
- Supplier Evaluation Risk Rating (SER) – Risk associated with doing business with your company
- Credit Limit Recommendation – D&B’s estimate of how much credit your business can handle
You’ll also receive alerts for key changes and score fluctuations, as well as insights into what’s impacting your score, including payment history, credit utilization, and outstanding balances. This makes it easier to spot potential risks early and take action when it counts.
What’s also really great is that beyond scores, you can also:
- View your business profile and registration info
- See any legal filings, liens, or judgments
- Receive alerts for new inquiries, filings, or score changes
- Access historical credit trends and payment patterns
- Track how your business is perceived by vendors and lenders
Expert-Led Credit Education
We understand that business credit can be overwhelming and confusing. That’s why we’re making it easier to learn as you go, with resources that are practical, accessible, and built specifically for entrepreneurs. You’ll get access to live monthly webinars hosted by credit experts from Dun & Bradstreet, where you can ask questions in real time and get clarity on topics like building your credit profile, optimizing your scores, and securing funding.
There’s also a downloadable guide, Build, Monitor, Optimize: Master Your Business Credit Score, that walks you through the credit landscape step by step. It covers common misconceptions, steps, and shares real examples and case studies to help you take action with confidence.
Prefer to learn at your own pace? We’ve got you covered with a library of short, easy-to-follow video tutorials. You can learn about the differences between an EIN and D-U-N-S number, what the difference is between personal and business credit and more—all on your own time.
Ready to Strengthen Your Business Credit Profile?
Whether you’re just getting started or looking to take your credit to the next level, the BusinessBuild Program was built for you. It’s time to make credit-building part of your everyday operations—automated, integrated, and always working in the background.
Learn more about the Lili BusinessBuild Program here.
1Lili 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.
2BusinessBuild is an add-on feature available to all Lili Accounts, except sole proprietorships. After a one-month free trial, account holders will be charged $18 per month for the next three months, then $30 per month thereafter. 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.
3Dun & Bradstreet requires a minimum of three tradelines and six months of credit history to generate scores and ratings.
