About Ruproa: Built to Help Small Businesses Build Real Credit
Most small businesses do not fail on the idea. They fail because the money is not there when it matters, and it is not there because the business has no credit file of its own. That is the thing Ruproa exists to fix.
The system is confusing on purpose.
Here is the part most banks will not say out loud: business credit is not automatic. You can run a real, profitable company for years and still have no business credit profile at all. No score, no history, nothing.
Then you apply for a loan, a vendor line or a lease, and you are either denied or told to sign personally. The rules are not published. The bureaus do not explain what they are looking for. And most of the advice online is out of date, vague, or attached to something expensive.
We built Ruproa so that building business credit does not require a finance degree, a lawyer, or three years of trial and error to work out what everyone else already knew.
Every owner we talked to had been sold the same thing: a shortcut, a package, a program. None of them had a credit file at the end of it. So we built the boring version instead. File the history, show you the report, explain what moved.
A credit file your business actually owns.
Ruproa is a business credit platform for small businesses that want to learn and build their business credit, from a first LLC to an established company whose file is thin or empty.
- EIN only
- No Social Security Number, ever. The file belongs to the company.
- $19/mo
- Where paid plans start. The free account does not expire.
- Monthly
- Reporting cadence, and how often your file refreshes on up to 3 bureaus.
Who it is built for
- New owners starting from zero, with an EIN and nothing else
- Established businesses carrying a thin file or no file at all
- Anyone turned down for funding who was never told why
Four steps. No guesswork.
01
Set up your profile
Your EIN and a few business details. Minutes, not weeks, 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 rather than taking anyone's word for it.
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 file, as it actually looks.
The score, where it came from, what changed it, and the next thing worth doing. One dashboard, updated on your billing cycle.
What Ruproa does, and what it will not pretend to do.
This market is full of promises that do not survive contact with a bureau. Here is the line, in both directions.
What Ruproa does
- Files your payment history with Creditsafe and Equifax Business every month
- Reads your live report back, so the file you are building is the file you can see
- Tracks your score and tells you what moved it
- Teaches the sequence: vendors, cards, filings, banking, funding
What Ruproa does not do
- Guarantee a loan, a limit or an approval. We are not a lender and we do not broker funding
- Invent tradelines, or sell you somebody else's seasoned account
- Remove accurate negative information. Nobody can, whatever they charge
- Promise a score overnight. A file that lenders trust takes months of real history
So how long does it take?
A business credit profile that lenders recognize usually takes three to twelve months of consistent reporting. There is no version of this that is faster and still holds up. If anyone offers you business credit overnight, walk away. We will not say it, because it is not true.
Your business data is sensitive. We treat it that way.
EIN, not SSN
You register the business, not yourself. We never ask for a Social Security Number and the file we build belongs to the company.
Encrypted in transit and at rest
Everything you send us travels over TLS and is stored encrypted. Card details go straight to Stripe and never touch our servers.
Never sold
We do not sell your business information to third parties, and we do not rent your contact details to lead buyers.
Yours to take back
Review, correct or delete your data from account settings at any time, or ask support and a person will do it.
The detail is in the Privacy Policy and the Terms of Service.
Keep reading
Results vary with your business activity, account standing and each bureau’s own reporting timelines. Ruproa is not a credit repair organization, and nothing on this page is a guarantee of funding or of any particular terms.
Your credit profile will not build itself.
Every month you wait is a month of reporting history you cannot get back. The businesses that get funded fastest started building the file before they needed it.
