The eCredable Business Lift review: Build business credit with the bills you already pay

What is eCredable Business Lift?

Managed by eCredable, a U.S. fintech company, eCredable Business Lift is a credit-building service for businesses. It reports the payments you make for different business-related expenses that don't typically appear on credit reports. 

For example, eCredable Business Lift can report payments for business credit cards, utilities, phone and internet services, business rent or lease, virtual office subscriptions, marketing or tech services, and vendor accounts. 

How eCredable Business Lift works

To use eCredable Business Lift, follow these steps:

1. Create an account: To use eCredable Business Lift, you’ll need to create an account with your name and email address. 
2. Choose a plan: Next, pick the eCredable Business Lift subscription that makes sense for your budget and needs. Options include Business Lift for $19.95 per month or Business Lift+ for $39.95 per month (accurate as of July 29, 2026 and subject to change).
3. Connect to eligible accounts: Then, use Plaid to securely link the eligible accounts you want the service to report to the credit bureaus. If you can’t link a provider electronically, you might be able to upload invoices instead. There’s no limit to how many accounts you can link.
4. Let eCredable report your payments: eCredable will try to download up to 24 months of payment history. Then, it will report your accounts and payment information to the business bureaus the first week of every month.
5. Monitor your business profile: As eCredable reports your payment history, keep tabs on your business credit so you know where you stand. Don’t forget to dispute any errors or inaccuracies you find. You can access business credit reports directly through the bureaus or use a business credit monitoring service like Nav. 

Does eCredable report to Dun & Bradstreet (D&B), Experian, or Equifax?

Yes, eCredable reports payment information to all three business credit bureaus (Dun & Bradstreet, Experian, and Equifax), regardless of subscription plan. However, the types of accounts you link to will determine which bureaus receive your information. 

Four types of accounts are reported including: 

• eCredable Business Lift subscription: eCredable will report your monthly Business Lift subscription to Dun & Bradstreet, Experian, and Equifax.
• Business credit cards: Your credit card payment activity will get sent to Dun & Bradstreet.
• Vendor invoices: Once you upload eligible vendor invoices and eCredable verifies them, they’ll report to Dun & Bradstreet.
• Business utilities: If you run your business in an office, warehouse, or other type of commercial building, eCredable will report your payment information to Equifax. 

What eCredable Business Lift costs

There are two eCredable Business Lift subscription plans: Business Lift for $19.95 per month and Business Lift+ for $39.95 per month. 

While both plans report to the business credit bureaus, Business Lift+ includes additional features to help you gain a better understanding of your business finances. 

Here’s a closer look how the two plans compare. All rates and fees valid as of July 29, 2026 and subject to change. 

Comparing eCredable Business Lift vs. net-30 vendor accounts

Both eCredable Business Lift and traditional net-30 vendor accounts are designed to help businesses build credit. While eCredable Business Lift reports payments you’re already making, net-30 vendors let you open new trade accounts with vendors that will report your payment information. 

Here’s a breakdown of how eCredable Business Lift compares to net-30 vendor accounts: 

How eCredable Business Lift reports existing payments

With eCredable Business Lift payments you’re already making for business credit cards, utilities, and vendor invoices are reported. That means you don’t have to open any new vendor accounts and buy additional goods or services on credit. 

With this account, you can build credit with the accounts you currently have that might not appear on business credit reports otherwise. You won’t have to worry about managing new vendor accounts or taking on additional purchases. 

Just keep in mind that eCredable doesn’t report every type of account to every business credit bureau. Also, reporting existing payments doesn’t automatically lead to higher credit scores or loan approvals. 

Net-30 vendor accounts: Open new vendor accounts 

Net-30 vendor accounts let you buy products or services through new vendor accounts and pay your invoices within 30 days. Vendors will then report your payment information to the business credit bureaus so you can build your credit profile. 

If you need various supplies or services for your business often and want to establish strong vendor relationships, net-30 vendor accounts might fit the bill. The caveat is you’ll have additional payments to manage.

Consider eCredable Business Lift and net-30 vendor accounts 

Depending on your business and goals, you might take advantage of both tools: eCredable Business Lift and net-30 vendor accounts. Another option is a Nav Prime membership which includes a tradeline that reports to the major business credit bureaus. According to Nav, Nav Prime members see an average credit score boost of 26+ points. Individual results may vary

Who should use eCredable Business Lift?

If you’re a startup or newer business with existing bills for expenses like rent, utilities, internet, and software but don’t have any trade accounts, eCredable Business Lift could be a valuable credit-building tool. It’s also worthwhile if you’re a small business who wants to build credit without making any new purchases. 

How to get started

Interested in eCredable Business Lift? Follow these steps:

• Create an account 
• Pick a subscription plan
• Connect to eligible accounts
• Let eCredable report your payment activity
• Monitor your business credit 

Frequently asked questions