Lili Launches BusinessBuild Program to Empower Small Businesses to Build Their Credit Profile

NEW YORK--(BUSINESS WIRE)--Lili, the all-in-one financial platform that integrates business banking, business credit, and accounting for small and mid-sized businesses, today announced the launch of the Lili BusinessBuild Program, a credit-building solution that helps entrepreneurs build and monitor their business credit profile directly from their Lili account.

For many business owners, building business credit remains a confusing and inaccessible process. Approximately 72% of business owners don’t know that they have a business credit score, and nearly 75% don’t know where to find information about it. Leveraging Dun & Bradstreet’s data and credit insights, the BusinessBuild Program is designed to change awareness and improve understanding by embedding smart credit-building tools into everyday financial operations, making it easier for businesses to monitor and to help them build and work to optimize business credit.

“Access to credit is essential for business growth, yet it’s often out of reach for the very businesses that need it most,” said Lilac Bar David, Co-Founder and CEO of Lili. “We created the Lili BusinessBuild Program to help entrepreneurs monitor and build their business credit profile in a way that's integrated, automated, and always working in the background, so entrepreneurs can potentially unlock better financing options to fuel their business growth.”

The program includes a BusinessBuild Credit Card— a secured credit card that enables business owners to contribute to their credit profile¹ with every purchase by reporting activity to Dun & Bradstreet.² Cardholders can set their own credit limits by allocating funds in advance as collateral—there are no interest charges, annual fees, or credit checks.³ Payments made each month are reported to Dun & Bradstreet to help build a credit profile and history for the business.

Business owners enrolled in the program also gain real-time visibility into their credit health directly from their Lili account through Connected Credit, credit analytics provided by Dun & Bradstreet. Owners can monitor six key Dun & Bradstreet credit scores and ratings, including PAYDEX®, Delinquency Score, and Failure Scores, with real-time alerts for important changes. A detailed view of what drives credit, including payment history, credit usage, and outstanding debts, helps highlight potential risks early. Lili is the first to globally launch the embedded Connected Credit experience with Dun & Bradstreet, setting a new standard for how small businesses access and manage their credit data.

“At Dun & Bradstreet, we’re proud to collaborate with Lili to bring powerful credit insights directly into the hands of small business owners through our embedded Connected Credit,” said Chris Moss, General Manager, SMB at Dun & Bradstreet. “More and more companies are stepping up to educate and empower entrepreneurs by integrating essential tools - like establishing a business credit profile - into their platforms. Lili is leading the charge, making it seamless for entrepreneurs to understand their business credit from day one, gain visibility into their credit standing, and take control of their financial future by unlocking meaningful opportunities for long-term growth.”

To provide additional support, business owners may access expert-led credit training provided by Lili, including live sessions, step-by-step guides, and personalized recommendations designed to help them build a stronger business credit profile with confidence.

Lili first announced its strategic collaboration with Dun & Bradstreet in August 2024 to help small businesses take the first steps toward establishing business credit. Today’s launch marks the next phase, expanding the relationship to deliver a broader suite of integrated tools that support small business credit growth—directly within the Lili platform.

For more information about the Lili BusinessBuild Program, please visit https://lili.co/business-build.

About Lili

Founded in 2019 by financial and tech industry veterans Lilac Bar David and Liran Zelkha, Lili is a financial platform designed specifically for businesses, offering a combination of advanced business banking and business credit with built-in accounting to help business owners better streamline and simplify their finances. Backed by Group 11, Foundation Capital, AltaIR Capital, Primary Venture Partners, Torch Capital, Target Global and Zeev Ventures, Lili is headquartered in New York and serves customers in all 50 states. Banking services are provided by Sunrise Banks, N.A., Member FDIC. To learn more, visit lili.co.

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¹ By integrating a Lili Business Bank Account through the D&B Credit Insights banking integration feature, there may be potential for customers to positively impact their Delinquency and Failure Scores. Dun & Bradstreet requires a minimum of six months of business banking transaction history to be able to potentially impact these scores.

² 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. The Card is a pay-in-full charge card. Customers must pay the full balance due every month.

³ BusinessBuild is an add-on feature available to all Lili Accounts, except sole proprietorships. Customers must be enrolled in the BusinessBuild feature to access the Card, which is free for the first month, $18 per month for the next two months (40% discount), and $30 per month thereafter.