BusinessBuild lets you connect your Lili account to Dun & Bradstreet (D&B), view your D&B business credit scores and ratings, receive alerts, apply for a Lili BusinessBuild Card, and have your BusinessBuild activity reported to D&B, which can impact your business credit profile over time.
What’s included with BusinessBuild?
24/7 credit profile monitoring
D&B Credit Insights accessible right from your Lili account. Track six key Dun & Bradstreet scores and ratings — including PAYDEX®, Delinquency Score, Failure Score, and D&B Rating — alongside your cash flow and expenses. Get real-time alerts the moment something changes, plus a clear view of what’s driving your score: payment history, credit utilization, and outstanding debts.
Two built-in tradelines
Your BusinessBuild monthy fee is a tradeline. The moment you enroll, your monthly plan payment starts reporting to Dun & Bradstreet - building business credit history with every on-time payment, before you ever swipe a card. Activate the BusinessBuild Card to add a second active tradeline - a secured business credit card with no interest, no annual fees, and no credit check. You set your own credit limit by allocating a refundable security deposit as collateral, and every card payment reports to D&B as a separate tradeline - turning everyday spend into a second line of credit history.
Credit training and education
Expert-led guidance to help you understand what shapes your credit profile and what to do about it. Includes a step-by-step eBook, a live D&B-led webinar, a focused mini-series covering the fundamentals every business owner needs to build and protect their credit, and more resources to support you along the way.
How do I access the BusinessBuild program?
There are two options:
- During onboarding, a customer may agree to BusinessBuild
- If the customer already has a Lili account, they can do the following:
Web App:
Go to the Web App’s Main Menu > Business Credit option (using a desktop computer) and click on the right screen to receive a popup about this feature. The customer only needs to Agree and then they will have access to all the features of this package.
Mobile App:
Go to the Mobile App’s Main Menu > Business Credit Score option to find the three steps: Enroll in BusinessBuild, Apply for BusinessBuild Card and Monitor your business credit profile. At the bottom, you'll also find your D-U-N-S Number. If it isn't correct, click on the 3 dots and choose "Not my DUNS number".
Once you agree, you’ll have access to all BusinessBuild features, including D&B Credit Insights, credit education, and the BusinessBuild Card application.
Is there a fee for BusinessBuild?
Yes. Under the current promotion:
- Your first month is free.
- The next three months are billed with a 40% discount.
- After that, your Lili checking account is charged $30 per month.
The fee appears on your monthly statement as “BusinessBuild Fee.”
How does the BusinessBuild fee impact my business credit profile?
Your BusinessBuild program fee is reported to Dun & Bradstreet as a separate tradeline in your business credit profile.
- Each month, the BusinessBuild fee is charged to your Lili checking account as “BusinessBuild Fee.”
- This fee is reported to D&B as an ongoing payment relationship, similar to other trade accounts your business may have.
- On‑time payment of your BusinessBuild fee can help demonstrate positive payment history and may support a stronger business credit profile with D&B.
- Late or unpaid fees may be reported as negative payment information and can negatively impact your D&B scores and ratings.
By combining the BusinessBuild Card tradeline with the BusinessBuild fee tradeline, BusinessBuild can provide multiple data points that may impact your business credit profile over time.
Lili App Inc. (Lili) partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for the Lili BusinessBuild Card (the Card). Lili is a financial technology company, not a bank or lender. CapitalOS is a financial technology company and lender, not a bank. CapitalOS or one of its affiliates is the lender, and Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa U.S.A. Inc.
Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted.
Wire Transfer services are provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.