The Lili BusinessBuild Card is a secured business credit card designed to help your business build a verified credit profile with Dun & Bradstreet (D&B). Every purchase you make and every on-time payment you submit gets reported to D&B, creating a track record that lenders, suppliers, and partners can see.
Unlike traditional credit cards, no credit check is required to apply. Your credit limit is determined entirely by the collateral you deposit into your Lili checking account - you are always in control.
How It Works
The BusinessBuild Card is a secured, pay-in-full charge card, which means:
- You designate funds in your Lili checking account as collateral
- Your credit limit equals the amount of collateral you designate ($1000 minimum, up to $50,000)
- You use the card for business purchases and pay the full balance each billing cycle via AutoPay
- Lili reports your card activity to Dun & Bradstreet, building your business credit profile
The collateral stays in your Lili checking account as a reserved balance. It is not transferred to CapitalOS or First Internet Bank of Indiana. It is only accessed as a last resort if your AutoPay payment fails.
Who Is CapitalOS?
Lili has partnered with CapitalOS, a financial technology company and lender, to offer the Lili BusinessBuild Card to Lili customers.
Here is how the partnership works:
- Lili provides the platform, the checking account, and the collateral reserve
- CapitalOS is the lender that underwrites and manages the BusinessBuild Card
- First Internet Bank of Indiana, Member FDIC issues the card under a license from Visa U.S.A. Inc.
Why This Matters for Your Business
A strong D&B credit profile opens real doors:
- Better financing terms — lenders offer lower rates and higher limits to businesses with an established credit history
- Supplier relationships — vendors extend net-30 and net-60 payment terms based on your D&B score
- Business credibility — investors and partners review credit profiles as part of due diligence
- Personal credit stays separate — D&B reporting is tied to your EIN, not your Social Security Number. The BusinessBuild Card does not impact the personal credit scores of you or your team members
What Gets Reported to D&B
All card activity is reported to Dun & Bradstreet each month:
- Account opening date and credit limit
- Monthly purchase activity and balances
- Payment history - on-time payments build your PAYDEX score; late or missed payments hurt it
- Account closure, if applicable
On-time payments are the single most important factor. Pay your balance in full by the due date every billing cycle to maximize your credit-building impact.
Fees and Pricing
| Fee Type | Amount |
|---|---|
| Card annual fee | None |
| Interest charges | None |
| Credit check | None |
| BusinessBuild program fee | $30/month (first month free) |
| Late payment fee | Up to 5% of the unpaid amount per month (charged by CapitalOS) |
The BusinessBuild program fee covers the full package: the secured card, D&B Credit Insights, and credit training resources.
Eligibility
- Business entity types: LLCs, C-Corps, S-Corps, partnerships, and other legal entities
- Account plans: All Lili plans (Core, Pro, Smart, and Premium)
- Enrollment: BusinessBuild program enrollment is required before applying for the card
What the Card Does Not Support
The following transactions are not permitted on the BusinessBuild Card:
- ATM cash withdrawals
- Money transfers
- Quasi-cash transactions (money orders, traveler's checks, foreign currency)
- Gambling, betting, or casino-related transactions
How to Get Your Card
- Enroll in the BusinessBuild program via the Lili Web App (Main Menu > BusinessBuild)
- Apply for the BusinessBuild Card within the program
- Designate your collateral amount in your Lili checking account
- Once approved, your card will be issued and ready to use
For step-by-step setup guidance, see What is BusinessBuild?
Related Articles
- What is BusinessBuild?
- How Does Collateral Work with the BusinessBuild Card?
- How to Manage Your BusinessBuild Card
- What is business credit?
- Can I track my business credit score through Lili?
Lili's BusinessBuild Credit Card helps customers build their business credit profile by reporting their usage and payment activity to Dun & Bradstreet, a credit reporting company. All card activity reported to D&B is included in your business’s credit profile, including the fact that a credit account is opened or closed and that payments are made timely or not. So, it is important that you make timely payments. This activity may impact the scores and ratings developed by Dun & Bradstreet to help creditors and merchants assess the creditworthiness of a particular business. For information about business credit, please go here.
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.