Build business credit.Pay within 30 days.
Build a business payment history with our Net 30 Tradeline Program. Buy eligible products and courses today. Pay within 30 days.
- No SSN
- No personal guarantee
- EIN only
Create your free account, then apply with your EIN.
Easy application. Fast approval for eligible businesses.
The year-end sale is on.
Your live business credit scores. For less.
New monthly subscriptions only. Sale rates end December 31, 2026. Then Starter renews at $19/month and Pro at $49/month on your next renewal.
Everything you need to build real business credit.
Reporting, monitoring, the next step, and the answers. One account, one place.
This month’s filing
- Filed
- Filed
- Filed
Filed every month
Your accounts go to Creditsafe, Equifax Business and Moody's on a monthly cycle. No forms, no chasing.
How reporting worksLow risk
On the real 300 to 650 band
Read straight back
We pull your file from the same bureaus, so you see the result instead of taking our word for it.
See the dashboardNext up
- EIN registered
- Business bank account
- Net-30 vendor added
One next step
A checklist that names the thing to fix now, in the order that actually moves a business file.
What it coversLibrary
- Net-30 Vendors
- Credit Cards
- Funding & Capital
- Business Banking
The whole sequence
Vendors, cards, filings, banking and funding, written by people who build these profiles.
Browse the librarySet up in minutes. Funded sooner.
Set it up once. Your credit builds every month while you run the business.
01
Add your business
Your EIN and a few details. No Social Security Number, and nothing that touches your personal credit file.
02
We file every month
Your payment history goes to Creditsafe, Equifax Business and Moody's on a monthly cycle, with no forms and no steps from you.
03
Watch the file build
We read your report straight back, so you see the tradelines land and the score move instead of guessing.
04
Work the list
Your checklist names the next thing to fix, and the education covers vendors, cards, filings and funding in the order they matter.
Your EIN and about two minutes. No card, and no personal credit pull.
Get funded on your business, not your personal credit.
A real business file changes the terms you get offered. Here is what it opens up.
- Financing priced on the business
- Lenders read the company file, not the owner's personal score.
- Vendor terms that compound
- Net-30 and net-60 accounts that report, so ordinary purchasing builds the profile.
- Limits that follow the company
- Credit lines that grow with revenue instead of a personal guarantee.
Buy on Net 30. Build credit while you pay.
Ruproa extends 30-day terms on its own products and courses to approved companies, so a purchase you were making anyway becomes a payment history.
- Pay within 30 days
- Buy products and courses now. Payment is due 30 days after the invoice.
- Access right away
- You get what you bought when the invoice is sent, not when it is paid.
- Get it reported
- Purchase on Net 30 to get your transactions reported. Free accounts included.
For approved companies with an EIN on file. Subscriptions are still charged to your card at renewal.
Learn everything you need, right here.
Vendors, cards, filings, banking and funding, in the order that actually builds a file. Written by people who do this for a living, in plain language.
Build Your Credit
- Net-30 Vendors
- Credit Cards
Get Funded
- Funding & Capital
Learn
- Library
- Business Address
- Business Banking
- Legal & Compliance
- Taxes & Accounting
- Reference & Glossary
Your business credit. A smaller monthly price.
Year-end sale. New monthly subscriptions only. Sale ends December 31.
Free
A real account, not a trial.
- The dashboard and your company profile
- Monthly reporting for eligible Net 30 purchases
- A starter set of guides and templates
- The vendor directory
- No card required, ever
Starter
Your live Creditsafe score, monthly monitoring and practical credit-building guides.
Everything in Free, plus:
- Your live Creditsafe score
- Score monitoring, refreshed every billing cycle
- Every guide: vendors, cards, funding and filings
- Full tradeline and refresh history
Professional
Most popularCreditsafe + Equifax Business scores, with the complete document library.
Everything in Starter, plus:
- Live scores from both bureaus: Creditsafe and Equifax Business
- The complete document library
Enterprise
Comprehensive solution for established businesses
Everything in Professional, plus:
- Every new bureau we add, as we add it
- A dedicated account manager
Cancel in two clicks, any time. Compare every plan
Before you sign up.
What is Ruproa?
A business credit platform for small businesses that want to learn and build their business credit. Ruproa reports your accounts to Creditsafe, Equifax Business and Moody's, pulls your Creditsafe and Equifax files back into one dashboard, and teaches you how the system works so you can act on what you see. Setting up needs your EIN, not your Social Security Number.
How does Ruproa build my business credit?
Two ways, and they work together. Ruproa files your payment history with Creditsafe, Equifax Business and Moody's every month, so your accounts show up as reported tradelines instead of going unrecorded. Then it reads your Creditsafe and Equifax files straight back, so you can see the profile as it builds rather than taking anyone's word for it.
Is there a free plan?
Yes. Free includes your dashboard, company profile and a starter set of guides. Eligible Ruproa Net 30 purchases are included in monthly reporting for approved Free and paid accounts. A paid subscription is not required for purchase reporting. Paid plans add live bureau scores and score monitoring: Starter covers Creditsafe, while Professional covers Creditsafe and Equifax Business. Our year-end sale offers Starter monitoring at $10/month and Pro at $20/month. New monthly subscriptions only. Sale ends December 31.
Do I need an SSN to sign up?
No. Ruproa is built around EIN-only signup. You register with your Employer Identification Number, which keeps your personal credit file separate from your business from day one.
Which bureaus does Ruproa cover?
Ruproa's current reporting bureaus are Equifax Business, Creditsafe and Moody's. Experian Business reporting is not currently offered. Eligible Ruproa Net 30 purchases are included in monthly reporting for approved Free and paid accounts. A paid subscription is not required for purchase reporting. Paid plans add live bureau scores and score monitoring: Starter covers Creditsafe, while Professional covers Creditsafe and Equifax Business.
Does Ruproa offer Net 30 terms?
Yes. Products and courses bought through Ruproa can be paid on Net 30 terms: payment is due 30 days after the invoice, and access starts when the invoice is sent. Terms go to approved companies with an EIN on file, and your transactions are reported to the bureaus, free accounts included. Subscriptions are still charged to your card at renewal.
How do I cancel?
From Account Settings, then Subscription, then Cancel Plan. Two clicks, no phone call and no notice period. Access runs to the end of the billing period you have already paid for. There are no cancellation fees.
More in the Help Center.
Earn commission for every small business you refer. 30-day referral window, monthly and on-demand payouts.
Start building a file lenders can actually read.
Create an account with your EIN and get your business onto the bureaus’ books. The dashboard, your company profile and a starter set of guides cost nothing.
