Net-55 and Net-60: The Second Rung

Once a few net-30 vendor tradelines report clean, vendors with longer terms - net-55 or net-60 - extend more credit with more time to pay. They underwrite on your file now, not just your deposit, so they read your D&B and bureau history before approving.

Why it matters

The tier system only works if each rung feeds the next. Longer terms with larger limits build the high-credit and payment-depth data points that store cards and fleet cards look for.

Key facts

• Vendors at this tier typically check D&B Paydex and may pull Experian or Equifax business files.
• Approval still depends more on file depth than on revenue - several paid-as-agreed tradelines is the threshold.
• Terms beyond net-30 only help if you pay within terms; 'paid as agreed' is the whole game.
• High-credit (the largest limit you have handled) is a real underwriting data point on business reports.

In practice

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