Quill net-30: Limited bureau reporting, requires opt-in

What is a Quill net-30 account? 

A Quill net-30 account lets approved business customers place an order and pay the invoice later rather than covering the cost at checkout. Net 30 is a type of trade credit where the balance is typically due within 30 days of the invoice date. 

For example, your business might order printer paper, toner, trash bags, coffee, and other supplies from Quill. Instead of paying for the order right away with a business credit card or debit card, you could receive an invoice and pay the balance by its due date. 

Quill offers net-30 terms with no interest when you pay your invoice within the approved payment period. The extra time could help when your business expenses and customer payments don’t arrive on the same schedule. Still, net-30 is a form of business credit, not an extension of your budget. So it’s important to only order what your business can afford to repay. 

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

Once you opt into Quill's Trade Exchange Program, Quill reports net-30 invoices over $50 to Dun & Bradstreet, regardless of how long your business has had an account. It may take up to 90 days after Dun & Bradstreet receives the information for the activity to appear on your business credit file. These reporting policies were current as of July 24, 2026, as confirmed by Nav with a Quill representative.

Although Quill is owned by Staples, a Quill net-30 account is separate from Staples business credit accounts and Staples credit cards. Approval for one type of account doesn’t mean you automatically have established credit or payment terms with the other.

How to get net-30 terms with Quill

Quill lets you apply for net-30 terms during checkout. Here’s how the process works. 

1. Add at least $100 in merchandise to your cart. You must meet this minimum to apply. 

2. Select “Net 30 terms” at checkout. Then, click “Apply for Net 30 terms.”

3. Complete the application. Quill will ask for information about your business. 

4. Submit your request. You may receive a decision instantly or within a few minutes. If Quill needs more information before making a decision, a team member will contact you.

5. Review the Trade Exchange Program option. If approved, you can authorize Quill to share qualifying account activity with Dun & Bradstreet. 

The $100 cart minimum applies only when you first apply for net-30 terms. Afterward, Quill reports individual invoices over $50 to Dun & Bradstreet if you opt into its Trade Exchange Program.

Quill net-30 requirements

Quill offers net-30 terms to qualifying business customers, but the company doesn’t spell out exactly what it takes to qualify for a new account. The option to apply for net-30 terms only appears at checkout if your account meets certain prequalifying conditions. 

You’ll need at least $100 in merchandise in your cart to apply. Quill will ask you to complete an application with information about your business, and you may receive a decision instantly or within a few minutes. If the company needs more information, someone from Quill will contact you. 

If Quill approves your application, you can place your order using net-30 terms and pay the balance within 30 days without interest. If Quill turns down your application, you can pay for orders by credit card for 90 consecutive days to establish a payment history. Afterwards, Quill may review your account again for net-30 terms.

What you can buy from Quill

Quill sells more than traditional office supplies, which makes it possible to use a net-30 account for many recurring business expenses. Its product selection includes:

• Office supplies: Paper, pens, notebooks, folders, mailing supplies, and printer ink and toner
• Cleaning supplies: Trash bags, paper products, cleaning products, and janitorial supplies
• Breakroom supplies: Coffee, snacks, beverages, disposable cups, and utensils
• Technology: Computers, monitors, printers, shredders, and other office equipment

Using net-30 terms for purchases your business already makes can help you manage cash flow without spending money simply to keep an account alive. Just remember that Quill only reports  invoices over $50 to Dun & Bradstreet and only if you opt in to their Trade Exchange Program. 

How Quill fits into building business credit

A Quill net-30 account could help you build business credit when you use it for purchases your company already needs. Quill reports invoices over $50 to Dun & Bradstreet for those who have opted in to the program. So paying for office supplies, cleaning products, or other recurring expenses on time could add positive payment history to your business credit file. 

Still, one vendor account is only one piece of the puzzle when you’re trying to establish business credit. You may need several net-30 accounts that report to the business credit bureaus to build a stronger credit profile. Other well-managed tradelines, like business credit cards or small business loans, could also be part of the picture. 

No matter what types of accounts you open during the credit-building process, it’s important to follow a few key rules. First, avoid buying things you don’t need just to generate account activity. Most importantly, always pay your credit obligations by the due date or early. A late payment can hurt your business credit rather than help it.

You can also use Nav Prime to add a tradeline and monitor your business credit. Nav customers see an average 26-point increase in their business credit scores, although results vary and some businesses may not see an improvement. Individual results may vary.

Frequently asked questions