List Of Net 30 Companies: Best Vendors to Build Business Credit & Manage Cash Flow

Managing cash flow is a challenge for any business, especially for startups and small companies trying to establish credit. Net 30 accounts prove their value in these scenarios, allowing businesses to buy now and pay later, typically within 30 days. These flexible payment terms not only help with cash flow but also play a key role in building business credit, making it easier to secure financing in the future.

Not all Net 30 vendors report to business credit bureaus, and choosing the right ones can mean the difference between strengthening your credit profile or just extending payment terms. This guide covers the best Net 30 vendors, how they work, and what to consider when selecting one. We'll also talk about how Wise Business can help you make international payments at low cost.

Table of contents
What Is a Net 30 Account and Why Is It Beneficial? How to Choose the Right Vendor Best Net 30 Vendors to Build Business Credit Uline Quill Staples Business Advantage Crown Office Supplies Grainger Newegg Business HD Supply Amazon Business (Pay by Invoice) Key Takeaways on Net 30 Vendors How Wise Helps Businesses with Net 30 Payments Final Thoughts

What Is a Net 30 Account and Why Is It Beneficial?

A Net 30 account is a payment agreement where businesses have 30 days to pay for goods or services after receiving an invoice. This arrangement acts as a short-term credit line, helping companies manage cash flows without immediate upfront costs. It’s especially useful for startups and small businesses that need to secure inventory, supplies, or services without disrupting their working capital.

Beyond providing financial flexibility, Net 30 accounts play a big role in building business credit. Many vendors report payment history to major bureaus like Dun & Bradstreet (D&B), Experian, and Equifax. Making timely payments helps establish a strong credit profile, which can improve access to better financing terms, higher credit limits, and future growth opportunities.

Net 30 terms are common across office supplies, wholesale distribution, marketing services, and industrial equipment. Vendors like Uline, Quill, and Grainger offer these accounts, allowing businesses to acquire essential products while keeping cash flow intact

Key Benefits of Net 30 Accounts

• Builds Business Credit– On-time payments help establish a strong credit profile, making it easier to qualify for loans and larger credit lines.
• Improves Cash Flow Management– Businesses can secure supplies and services without tying up cash immediately.
• Strengthens Vendor Relationships– Reliable payment history can lead to better terms, discounts, and long-term partnerships.
• Supports Startups and Small Businesses– Many vendors offer Net 30 accounts with no personal guarantee, making them accessible to new businesses with little credit history.

To qualify, businesses typically need an EIN, a registered LLC or corporation, and a business bank account. Some vendors may also require a D-U-N-S number or a minimum time in business.

For companies working with international suppliers, Wise Business simplifies payments with low-cost currency conversion and multi-currency account options, making it easier to manage Net 30 invoices across borders.

How to Choose the Right Vendor

Not all Net 30 vendors offer the same benefits. While some help build business credit by reporting payments to Dun & Bradstreet (D&B), Experian, and Equifax, others simply provide extended payment terms without credit reporting. Choosing the right vendor depends on your business needs, industry, and financial goals.

Key Factors to Consider

• Industry-Specific Vendors— Some Net 30 vendors specialize in office supplies, marketing services, IT equipment, or wholesale distribution. Choosing a vendor aligned with your business guarantees you’re getting useful products while also taking advantage of payment flexibility.
• Credit Reporting Policies — If building business credit is a priority, select vendors that report to major bureaus. Some vendors, like Quill and Grainger, report payments, while others only offer Net 30 terms without contributing to your credit profile.
• Payment Terms and Flexibility — While most Net 30 vendors offer 30-day repayment terms, some may have stricter deadlines or charge late fees. Reviewing repayment expectations can help avoid unnecessary penalties.
• Fees or Annual Memberships — Some vendors charge annual fees or require minimum purchases to maintain a Net 30 account. Checking for hidden costs helps you get the best value.

Selecting the right vendor can enhance cash flow, streamline expenses, and strengthen your business credit profile. Taking time to evaluate these factors means businesses can make informed decisions that support both short-term financial flexibility and long-term growth.

Best Net 30 Vendors to Build Business Credit

Managing business finances requires smart payment strategies, and Net 30 accounts are an essential tool for improving cash flow while establishing a strong credit profile. These vendors allow businesses to purchase now and pay later, typically within 30 days, making it easier to manage expenses without tying up capital. More importantly, many Net 30 vendors report to major business credit bureaus, helping businesses build creditworthiness for future financing opportunities.

Finding the right Net 30 vendors means looking beyond just product offerings. It’s important to consider whether a vendor reports to D&B, Experian, or Equifax, as this directly impacts a business’s ability to qualify for larger credit lines and better financing terms. We’ve compiled a list of Net 30 companies that offer flexible payment terms while contributing to business credit growth.

Uline

Uline is a leading supplier of packaging, shipping materials, and industrial supplies, making it a valuable vendor for businesses that require bulk orders. Its Net 30 account is widely accessible, even for newer businesses with limited credit history.

Businesses that establish a trade line with Uline can benefit from its credit reporting to Dun & Bradstreet, making it a strong choice for companies looking to build their credit profile while maintaining a steady supply of warehouse and office essentials.

• Credit Reporting: Reports to D&B
• Best For: Businesses needing packaging, shipping, and warehouse supplies

Uline does not require a personal guarantee, making it an excellent option for startups looking to establish trade credit quickly. However, applicants may need to place an initial prepaid order before receiving Net 30 terms.

Quill

Quill specializes in office supplies, electronics, and breakroom essentials, providing businesses with an easy way to access products while taking advantage of flexible payment terms.

Its Net 30 account is known for its accessibility, making it a go-to vendor for startups and businesses with limited credit history. Unlike some vendors, Quill reports to both D&B and Experian, offering businesses a reliable way to build credit while managing their operational expenses.

• Credit Reporting: Reports to D&B and Experian
• Best For: Startups and small businesses needing office supplies and business essentials

Unlike some Net 30 vendors, Quill does not require a high business credit score for approval. However, they may initially set a low credit limit, which increases over time with consistent on-time payments.

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Save Time and Money On Overseas Payments With Wise Business

Wise Business can help you save big time on international payments.

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in currencies.

Signing up to Wise Business allows access to BatchTransfer which you can use to pay up to 1000 invoices in one go. This is perfect for small businesses that are managing a global team, saving a ton of time and hassle when making payments.

Use Wise Business >>

Some key features of Wise Business include:

• Mid-market rate: Get the mid-market exchange rate with no hidden fees on international transfers

• Global Account: Send money to countries and hold balances in multiple currencies, all in one place. You can also get major currency account details for a one-off fee to receive overseas payments like a local

• Access to BatchTransfer: Pay up to 1000 invoices in one click. Save time, money, and stress when you make 1000 payments in one click with with BatchTransfer payments. Access to BatchTransfer is free with a Wise Business account

• Auto-conversions: Don't like the current currency exchange rate? Set your desired rate, and Wise sends the transfer the moment the rate is met

• Free invoicing tool: Generate and send professional invoices

• No minimum balance requirements or monthly fees: US-based businesses can open an account for free. Learn more about fees here

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Staples Business Advantage

Staples Business Advantage offers bulk office supplies, furniture, and business technology, making it a strong option for companies with larger purchasing needs. Its Net 30 account provides flexible payment terms, and everything is reported to Experian.

For companies that require large-scale office equipment or frequent supply purchases, Staples Business Advantage provides strong credit-building benefits while offering cost-effective solutions.

• Credit Reporting: Reports to Experian
• Best For: Businesses that require bulk office supplies and IT supplies

Staples Business Advantage requires businesses to be at least 90 days old before applying. While no personal guarantee is required, applicants with limited credit history may be asked to submit a trade reference.

Crown Office Supplies

Crown Office Supplies is one of the most effective Net 30 vendors for credit-building as it reports to all three major business credit bureaus—D&B, Experian, and Equifax.

While it offers a variety of office and business essentials, its biggest benefit is helping businesses build credit quickly. The company is a great option for startups or businesses struggling to establish initial trade credit.

• Credit Reporting: Reports to D&B, Experian, and Equifax
• Best For: New businesses looking to build credit fast

Crown Office Supplies has a membership fee, which some businesses may find restrictive. Still, this fee encourages regular reporting to credit bureaus, making it one of the fastest ways to build business credit.

Grainger

Grainger is a major supplier of industrial equipment, tools, and maintenance products, making it a great Net 30 vendor for businesses in the construction, manufacturing, and maintenance industries.

Grainger’s Net 30 terms are easy to access, and it reports to D&B, making it an ideal vendor for businesses looking to purchase essential supplies while strengthening their trade credit.

• Credit Reporting: Reports to D&B
• Best For: Businesses needing industrial, electrical, or safety supplies

Grainger may require businesses to have a physical office address rather than a PO Box for approval. Additionally, they may ask for trade references for companies with limited credit history.

Newegg Business

Newegg Business provides electronics, IT hardware, and office technology, offering Net 30 accounts designed for businesses needing frequent tech upgrades.

Businesses that set up a Net 30 account with Newegg can manage their IT expenses efficiently while improving their credit profile through D&B reporting. This makes Newegg a strong vendor for tech startups and businesses with ongoing IT needs.

• Credit Reporting: Reports to D&B
• Best For: Tech startups and businesses needing office electronics

While Newegg Business is accessible for many companies, they may require proof of consistent revenue for approval. Businesses with a history of bulk purchases are more likely to receive higher credit limits.

HD Supply

HD Supply is a top provider of construction materials, plumbing, electrical, and maintenance supplies, making it an ideal Net 30 vendor for contractors, real estate investors, and property managers.

HD Supply helps businesses secure necessary inventory while improving their financial standing by offering Net 30 payment terms and reporting to D&B.

• Credit Reporting: Reports to D&B
• Best For: Businesses in construction, property management, and maintenance

HD Supply often requires businesses to have an active license in the construction or property management industry before extending credit terms.

Amazon Business (Pay by Invoice)

Amazon Business provides Net 30 terms to eligible business accounts, allowing companies to access Amazon’s vast inventory while deferring payments.

Their Net 30 accounts make purchasing easy and flexible, and Amazon Business may report to business credit bureaus, depending on account type. Its an option that’s particularly useful for businesses that need a variety of supplies and want a streamlined purchasing process.

• Credit Reporting: May report to business credit bureaus, depending on the account
• Best For: Businesses needing a wide selection of supplies with flexible payment options

Not all Amazon Business accounts qualify for Net 30 terms. Businesses may need to demonstrate a history of significant purchases and a strong payment record.

Key Takeaways on Net 30 Vendors

Net 30 vendors offer payment flexibility and help businesses manage cash flow, streamline purchasing, and build credit. Choosing vendors that match up with your business needs and financial goals, can strengthen your company’s credit profile and secure better financing opportunities in the future.

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How Wise Helps Businesses with Net 30 Payments

Managing Net 30 payments efficiently is essential for maintaining a healthy cash flow, especially for businesses that work with international vendors. Traditional banks often charge high fees and offer poor exchange rates when making foreign payments, cutting into business profits.

Wise Business provides a smarter solution, offering low-cost currency conversion, multi-currency account management, and seamless international payments. Here’s what you can do with Wise.

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Convert Currency at Low Cost

Businesses often lose money when paying Net 30 invoices in foreign currencies due to hidden bank fees and inflated exchange rates. Wise eliminates this problem by offering real exchange rates with transparent, low fees, so you only pay what you need to.

Instead of expensive wire transfers, Wise enables businesses to pay international vendors directly from their Wise Business account, keeping costs low and payments efficient.

Manage Multiple Currencies Without Excessive Fees

Many businesses work with suppliers and vendors across different countries, meaning they often need to hold and manage multiple currencies. Wise Business accounts allow companies to store, send, and convert money in currencies, reducing the need for costly currency exchanges.

With Wise, businesses can pay international Net 30 invoices in the vendor’s local currency, avoiding unnecessary conversion fees and delays. This flexibility allows companies to keep financial operations smooth without the added cost of multiple bank accounts.

Receive Payments Internationally

For businesses that not only pay vendors but also receive international payments, Wise provides local bank details in multiple countries, allowing companies to get paid like locals. Instead of dealing with expensive SWIFT transfers, businesses can accept payments without high fees or delays.

Integrating Wise with Net 30 payment strategies means businesses can reduce costs, simplify currency management, and optimize cash flow—paying vendors on time without excessive banking fees cutting into profits.

Final Thoughts

Net 30 accounts play an important role in helping businesses manage cash flow, build credit, and establish strong relationships with suppliers. By choosing vendors that report to credit bureaus, businesses can enhance their financial standing while taking advantage of flexible payment terms. Whether you’re a startup looking to establish credit or a growing business optimizing expenses, Net 30 vendors offer a valuable financial tool.

For businesses making international payments, Wise Business provides a seamless solution. With low-cost currency conversion, multi-currency account management, and transparent fees, Wise helps businesses pay vendors efficiently without hidden costs or delays. When you choose to integrate Wise into your financial workflow, you can optimize international transactions and maintain greater control over your business finances.

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**Sources**

1. Uline
2. Quill
3. Staples Advantage
4. Crown Office Supplies
5. Grainger
6. New Egg Business
7. HD Supply Solutions
8. Register for Amazon | Amazon