Build business credit lenders take seriously.
We report your accounts to Credit Bureaus every month, so your business borrows on a file of its own instead of on your personal credit.
- Free to start, no card
- EIN only, no SSN
- Creditsafe and Equifax Business
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 every month
Your accounts go to Creditsafe and Equifax Business 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 and Equifax Business 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.
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
Start free. Pay when you want the live file.
The free account is real and does not expire. Paid plans add the live bureau pull.
Free
A real account, not a trial.
- The dashboard and your company profile
- A starter set of guides and templates
- The vendor directory
- No card required, ever
Starter
Unlock your live credit file. See your report, your score, and what to fix
Everything in Free, plus:
- Your live Creditsafe report and score
- Score monitoring, refreshed every billing cycle
- Every guide: vendors, cards, funding and filings
Professional
Ideal for growing businesses seeking funding
Everything in Starter, plus:
- Live reports from both bureaus: Creditsafe and Equifax Business
- Detailed credit analysis reports
- The complete document library
- Priority phone and chat support
Enterprise
Comprehensive solution for established businesses
Everything in Professional, plus:
- Every new bureau we add, as we add it
- Full tradeline and refresh history
- 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 and Equifax Business, pulls your file 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 and Equifax Business every month, so your accounts show up as reported tradelines instead of going unrecorded. Then it reads your file 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, and it is a real account rather than a trial. Free gets you the dashboard, your company profile and a starter set of guides. Monthly bureau reporting and your live credit file start at $19 a month, whenever you are ready.
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?
Creditsafe and Equifax Business today, with more on the way. Starter covers Creditsafe. Professional covers both. Free accounts get the dashboard and a starter set of guides without a live bureau pull.
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.
