If you’re looking to build business credit when purchasing office supplies, apply to these vendors who report to multiple credit bureaus. From starter accounts where almost anyone can apply, to Tier 1 vendors with easy approval, we offer many choices to help quickly increase your business credit score.
Tier 1
Generally, when office supply vendors offer supplier credit to new businesses, they tend to attach an annual membership fee to get guaranteed reporting. Adding positive payment experiences to your credit report takes time. If a company offers it for free as Ohana does, we suggest you jump on it before they change their minds.
- CEO Creative → Apply
- Ohana Office Products → Apply
- Crown Office Supplies → Apply
- Office Garner → Apply
- Summa Office Supplies → Apply
- Quill → Apply


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The CEO Creative
While not well known for their office supplies, you can find a small section at The CEO Creative. Little items like clipboards, scissors, pens, erasers, post-it notes can be found in their catalog along with coffee cups and organizer trays.
You can get custom design and branding services at CEO Creative, as well as some minor printing services. They do also have a decent selection of office supplies, back-to-school supplies, and phone accessories. On top of that, you’ll find a small assortment of miscellaneous electronics, gift baskets, fitness equipment, and cleaning supplies.
They also sell a few cleaning products and small electronics, as well as, branded apparel of shirts, hats, and hoodies. They print too, including business cards, brochures, yard signs, bumper stickers, and car door magnets.
- Annual Fee: $79
- Approval Requirements: EIN —> DUNS —> 90 days in Business
- Reports To D&B, Experian, and Credit Safe
Ohana Office Products
A favorite of our clients looking for an office supply vendor with easy approval that doesn’t require you to pay an annual membership fee. That’s right it’s $0 to get Net 30 terms from Ohana, and they are the only supplier of office products in Tier 1 credit that offer this.
The one downside is that they only report to Equifax Business, but still there’s no risk here as you won’t have to pay any membership fees. You can also combine this with eCredable to push their reporting to Credit Safe and Ansonia.
You’ll start with a $1,000 credit limit, but on your second/third, etc $80 purchase, they’ll bump your limit to $2,000/$3,000 and up.
- Annual Fee: $0
- Minimum Purchase: $80
- Approval Requirements: EIN —> DUNS —> Business Bank Account
- Reports To: Equifax Business
Crown Office Supplies
The best thing about buying office supplies from Crown is that they will report your purchases to three major credit bureaus without having to go through tiered membership. Once you’re approved for supplier credit, you can order anything item you want up to your approved credit limit.
While their catalog is not the best, you can still find things on sale each month that are worthy of meeting their minimum requirements for credit reporting. If you’re looking for multiple credit bureau reporting, this is one you should consider.
Read our full review of Crown Office Supplies, where we compare them to Summa Office Supplies who offer similar multi-bureau reporting.
- Annual Fee: $99
- Reports To: D&B, Equifax, and Experian Business

Get cash rewards and a $50k limit!
Divvy credit limits are determined by spending ability, not credit scores. Small business owners that can prove steady monthly revenues can apply for a Divvy corporate visa card.
No personal guarantee is required! All cardholders can also earn up to 7x reward points on hotels and 5x on restaurant purchases.
Office Garner
New businesses will be overjoyed at the office supply selection at Office Garner as it’s the best available other than Quill.
Office Garner too has an annual fee, but their minimum purchase for reporting in only $45 which is lower than most.
Their online catalog is not just restricted to just office related products either, as they sell business cards tshirts, hoodies, coffee cups, and covid masks You’ll also find, arts and crafts, electronics including smart watches and small kitchen appliances.
- Annual Fee: $79
- Minimum Purchase: $45
- Approval Requirements: EIN —> DUNS —> 30 days in Business
- Reports to: Equifax Business
Summa Office Supplies
Normally, we would recommend a couple of others over Summa for purchasing office supplies, but they’ve been approving a lot of our clients of late. The fact that they report Tier 2 member purchases to DNB, Equifax, and Experian Business seems to be what’s driving these application numbers.
It can be a little confusing if you only get approved for a Tier 1 membership, so be sure to read our comprehensive review of Summa Office Supplies, This way, you know how their Tier 1 membership works. As long as you know what you need to do to get credit reporting, and bumped up to Tier 2 down the road, then paying their annual fee might be worth your while.
- Annual Fee: $75
- Minimum Purchase: $75
- Approval Requirements: EIN —> DUNS —> Business Bank Account
- Reports To: Equifax Business (Tier 1) and D&B + Experian Business (Tier 2)
Quill
The most well-known office supplies vendor on this list is most definitely Quill, and they have the best catalog selection too. The issue here is that their approval requirements have changed a lot in these covid times.
Before they used to approve most small business applications for purchase orders, but now you generally have to be a customer of a few months before they’ll offer you Net 30 invoicing.
That being said, if you’re willing to wait a few months, do note that they do report regularly to D&B and if you already like what they have to sell, then they might be the one for you.
- Annual Fee: $50 (regularly $99)
- Minimum Purchase: $100
- Approval Requirements: EIN —> DUNS —> Active customer or 120 days in business + Active tradelines
- Reports To: Dun & Bradstreet
Tier 2
At this stage, you should be looking for office product suppliers who are also retail stores that allow you to shop in person. You’ll want to ensure they have the inventory selection you need, as well as, offer weekly sales so you stock up on items you truly need while meeting the minimum requirements to get positive transaction reporting.
Typically, you’ll need at least 5-8 active tradelines when applying for Tier 2 credit, or at least 3-5 really good trade references and 90+ days in business to get approval from these office supply vendors.
Staples
There’s very little that Staples doesn’t sell in regards to supplies you need to run an office. With 50+ aisles of inventory, you should always be able to find something you need. Not only that, but you can shop online from the convert of your office.
If you subscribe to their newsletter, you know firsthand all the discounts and specials they have, and as soon as it’s something you need comes in your inbox, you can order it on your Staples credit card and get it delivered.
Office Depot
Another big blockchain store that offers a retail store card with Net 30 terms, is Office Depot. There are aisles and aisles of things you’ll need to run your office here, so why not make sure you get credit reporting when buying them. For pens and pencils, to paper and ink, to chairs, desks, and computers, it’s all available here.
Be sure to subscribe to their newsletter too, so you can seek out deals on items you truly need and stock up when their prices hit rock bottom.
Personal Guarantees
For most newly established businesses, do note, that you’re more than likely to have to offer a personal guarantee to get approval for any retail store cards. Normally, we would recommend against this, but as long as you play it smart, that’s what matters most.
As long as you only buy what you truly need and can easily pay in full each month. this is an easy way to build business credit.
Where possible, pay all purchases within a few days to get a PAYDEX score boost, and never carry a balance. Also make sure you never make a late payment, as this will harm your personal credit due to your personal guarantee.

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Non-Reporting
If you’re looking to build business credit quickly, these are not the vendors you want to target. Generally, they won’t report anything to the major credit bureaus other than late or delinquent payments.
What they can be used for, however, is to simply buy the exact products you need right now, but would rather pay for 30 days later. While they won’t help your credit score, they at least can free up your monthly cash flow during peak periods.
- Zuma Office → Apply
- OnTime Supplies → Apply
- Today’s Office Solutions → Apply
- Alliance Supply → Apply
- Office Supply Hut → Apply
- Online Labels → Apply
Zuma Office
They’ve got pretty much everything you can imagine when it comes to office, cleaning, and supplies, along with a huge selection of ink and toner. Their office furniture selection is quite good too and includes some unique items like lecterns, conference tables, and reception tables.
They also offer a great selection of technology with more unique items in imaging supplies and audio and visual supplies. Furthermore, there sell a lot of auto dealer supplies like balloon advertisements, deal jackets, window stickers, and lot decorations.
While they do easily extend credit to schools, government agencies, certain non-profit organizations, and other businesses generally require great credit to qualify. If you imagine spending a few hundred dollars a month, then they may consider extending purchase order terms to you.
OnTime Supplies
We’d be hard-pressed to find something that is not in the OnTime Supplies online catalog. If there is an office-related product out there, they sell it.
- Office desks, chairs, mats, signs, cabinets, shelving, holders, and partitions
- Paper for laser printers, inkjets. and multipurpose in white, colored, or recycled versions
- Toner for Xerox, Brother, Canon, Epson, HP, Ricoh, Sharp, Toshiba, etc. printers
- Cleaning soaps, detergents, bleach, sanitizers, gloves, wipes, mops, and trash cans
- Break room cups, dishes, utensils, tablecloths, containers, coffee, and water
- Cutting and measuring devices, envelopes, mailers, and shipping supplies
- Label makers, flashlights, batteries, electrical, and cash handling supplies.
- Pens, pencils, markers, highlighters, binders, folders, protectors, and planners
They only do a soft personal credit check in order to approve your line of credit, and a quick decision is made during checkout which only takes a few minutes. Supplier credit limits can go as high as $50,000 with payment extensions up to 6 months at 1% interest. Paying on time or pre-paying comes with no penalties.
To receive net 30 terms at OnTime Supplies you have to go through their partner financing at Credit Key which has three main requirements.
- Gross annual business income of $40,000 or more
- FICO/credit score of 600 or above
- Nominated business bank account with ACH set up for repayments

Building credit with Ohana is so easy!
No membership fees, an initial $2,000 credit limited being reported, and a $1,000 limit increase with each $80 invoice paid makes Ohana the best office supply company to start building business credit with.Today’s Office Solutions
The catalog at TOS also has a huge selection of office supplies that will cover all your needs from paper and pads to filing, cash handling, organizing, mailing, and shipping. Beyond the standard fare of office furniture, they also feature unique items like sofas, drafting tables, garment care, lamps, and lighting.
For facilities, they sell cleaning, climate control, safety, and security equipment, as well as healthcare diagnostic and exam room equipment. For break rooms, their inventory contains beverage and food service supplies along with cleaning and personal care supplies.
Alliance Supply
While not specific just office products you’ll find everything from paper and stationery products, to classroom and teaching materials. They also sell green, environmentally-friendly office supplies, and have a large selection of office furniture.
On top of that, a host of janitorial, cleaning, and sanitation supplies, as well as computers, printers, and storage media, along with industrial, electrical, and plumbing supplies. Last but not least they also have food service for break rooms, kitchens, and tabletops.
Office Supply Hut
With 50,000 products in their online catalog and mention of a price matching guarantee even with restrictions apply, Office Supply Hut is worth checking out. From paper, ink, and toner to computers, printers, and networks, there’s not much they don’t have available. Their office furniture and break room selection are also quite impressive.
Do note that they make mention of qualified corporate accounts being able to get Net 30 terms, so this may mean small businesses would have trouble qualifying. If you’re looking to do business with them, be sure to give them a call first at 1-800-590-9990 to see if you might pre-qualify.
Online Labels
If you do a lot of shipping or labeling of products, then viewing the product catalog at Online Labels should be worth your while. From blank sheets to rolls, to stickers to DYMO printer compatible labels, they pretty much stock it all. They even allow you to create custom labels that you can print your logo and details on.
If you’re a new business, it’s unlikely that you’ll get approved without first doing regular monthly business with them. There is mention of being in business for 2 years to qualify, but they are likely to wave that for a regular customer who spends $500 per month.
Starter
If you’ve just opened your business and don’t even have 30 days of credit history, there are still ways to earn credit reporting for purchasing office supplies without vendor approval. If you simply buy office products on a business credit card that reports To the three major credit bureaus, you’ll get instant credit history for simply buying the products you truly need.
If you don’t already have a business credit card that reports, this should be your first step, Many Tier 1 office supply vendors will require you to pay an annual membership fee to get credit reporting, so it’s best to get double reporting when paying these fees with your credit card.
If you haven’t already set up your business, be sure you don’t make these business credit building mistakes.
Spark Classic
This secured business credit card from Capital One is very easy to get, as all you need is fair personal credit with a score of 580 or higher. Should you not even qualify for that, than you might to look into getting an OpenSky card.
To get approval for a Sparks Classic business credit card, you’ll need to make a security deposit of at least $200. This will be held in lieu until you either cancel the card or have earned enough trust to be pre-approved for an unsecured card from Capital One.
Your credit limit is equal to your exact deposit amount. For starters, $200 should be enough, as you should only need to make small purchases, and should pay them within 1-2 days to get a PAYDEX score increase for early payment.
Your payment history from this credit card will be reported monthly to Dun & Bradstreet, Experian, and Equifax Business, and this is the easiest way to add the first tradeline to your business credit history.