One $197/mo membership opens a real Net-30 tradeline — reported to D&B and Experian every cycle. No personal guarantee. No hard pull. No collateral. Membership is the tradeline.
Most founders crack 80 by month six. EIN-only vendor lines, fleet cards, and SBA-eligible scores follow.
Start your $197/mo WĀVVES CAPITAL™ membership in 4 minutes with just your EIN — no SSN, no personal credit check.
Each cycle we issue Net-30 invoices — one per line item in your plan. Pay by day 15 to earn the max Paydex of 100.
Each line item is reported individually to D&B and Experian as its own tradeline — so one payment can drop 4–8 tradelines onto your file every month.
Instead of one invoice reporting monthly, we split every membership into 4–8 line-item accounts — each billed Net-30 and reported individually to D&B and Experian. One payment. One due date. Multiple tradelines hitting your file every cycle.
Sign-up generates every line-item account at once. All due on the same Net-30 cycle.
You see one total. The engine splits it across accounts and reports each one separately.
High-ticket products (CRM, Surge, Tsunami) auto-generate a multi-month installment tradeline.
Down payment opens the account. The remainder reports as a single installment tradeline every month for the life of the plan — up to 38 consecutive on-time payments on a $15,000 credit relationship.
| Tier | Total | Down | Monthly | Months reporting |
|---|---|---|---|---|
| CRM Starter | $500 | $200 | $75/mo | 4 mo |
| CRM Pro | $1,500 | $500 | $100/mo | 10 mo |
| CRM Agency | $3,500 | $1,000 | $150/mo | 17 mo |
| Surge | $5,000 | $1,500 | $175/mo | 20 mo |
| Apex | $7,500 | $2,000 | $200/mo | 27 mo |
| Tsunami | $10,000 | $2,500 | $250/mo | 30 mo |
| Full Ecosystem | $15,000 | $3,500 | $300/mo | 38 mo |
By month 6 your D&B profile looks like a business that's been operating for years — because you actually paid real invoices for real services, and we reported every one.
We don't sell a "credit-building app" that lives in a sandbox. We report a real open-account tradeline straight into Dun & Bradstreet and Experian Business via Metro 2 — the same pipeline Amex and Chase use.
No setup fees. No annual fees. Cancel any time.
Kikoff and Self build personal credit. Nav is a credit report viewer. WĀVVES CAPITAL is the only one that opens a real Net-30 tradeline against your EIN and reports it directly to D&B and Experian Business — no consumer credit involved.
No. We never pull your personal credit. Membership is EIN-only.
Most members cross 80 (the EIN-financing unlock tier) within six on-time cycles. Pay by day 15 every month and you'll earn the maximum 100-point Paydex impact each cycle.
The tradeline continues to reflect your historical Pays-as-Agreed status on your D&B and Experian files. You won't accrue new positive history, but nothing is removed.
WĀVVES CAPITAL LLC, a Utah-based holding company. Reporting is handled through Switch Labs, a Metro 2 furnisher authorized by D&B and Experian.
Stop renting credit cards. Start building a real business credit file that lenders, vendors, and the SBA actually see.