If you’re a business owner or aspiring entrepreneur, building business credit is one of the smartest financial moves you can make. Unlike personal credit, business credit can unlock high-limit funding without putting your personal finances at risk. In this blog, we’ll show you how to set up your business structure correctly, get your EIN, open a business bank account, and start reporting positive payment history to business credit bureaus like D&B and Experian Business. Whether you’re just starting or looking to grow, this post gives you the exact steps to separate your personal and business credit—and access capital like a pro.