Fig. A
Schedule · Term tiers
Net term tiers & reported credit lines
Net 90 is the highest-value reporting tier. Longer terms carry a higher static credit line — but only if every invoice is paid before it comes due. Consecutive on-time payments unlock review for the next tier.
Net 30
$49/mo
+ $199 activation
- Static reported line: $5,000
- Invoice due in 30 days
- Standard tradeline. Pay before day 30 to keep the line current.
- 3 consecutive on-time payments → next-tier review
Net 60
$79/mo
+ $249 activation
- Static reported line: $25,000
- Invoice due in 60 days
- Extended tradeline — stronger payment-history signal for mid-cycle credit.
- 3 consecutive on-time payments → next-tier review
Net 90
$129/mo
+ $299 activation
- Static reported line: $100,000
- Invoice due in 90 days
- Premium tradeline — highest reporting value for long-cycle, consecutive on-time payers.
- Maintain on-time streak to keep the premium report
Underwriting assigns the highest tier you qualify for based on years in business and revenue. The reported credit line is fixed per tier — not negotiated per request — so payment performance is what protects and grows the tradeline.
Create account