How does business credit differ from personal credit?

Business credit is built in your company's name using your EIN, while personal credit is tied to your SSN. Business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business) track payment history with vendors and lenders. Strong business credit can qualify you for loans without a personal guarantee, higher limits, and better terms. Business credit takes 2-3 years to establish from scratch.