07/28/2026
One of the things we struggled with when we were getting started was understanding how business credit actually worked.
Everyone tells you to build business credit, but very few people explain what that actually looks like when you’re launching a brand new NEMT company.
You’re trying to purchase your first wheelchair-accessible vehicle, open business accounts, pay for insurance, and invest in software, all without years of business history.
It’s easy to start thinking, “Maybe I need to wait.”
The truth is, you don’t have to.
Here are four simple steps to start building business credit from day one:
✅ Get an EIN
Your EIN becomes your business’s tax ID and is one of the first building blocks for establishing your company’s financial identity.
✅ Open a Business Bank Account
Separate your personal and business finances from the beginning. It helps create financial credibility, keeps your records organized, and makes your business look more established to lenders.
✅ Get a Business Credit Card
Use it for expenses you’re already paying, like fuel, insurance, software, or office supplies. Keep your balances low and make your payments on time.
💡 Pro Tip: Try to keep your credit utilization below 30% of your available limit. Responsible usage over time is what helps build a stronger business credit profile.
✅ Pay Every Bill On Time
Your payment history matters. Every on-time payment helps strengthen your business credit and positions your company for future financing opportunities.
If you’re already thinking about purchasing your first wheelchair-accessible vehicle, don’t assume your options are limited just because your business is new. Every successful NEMT company had to start somewhere.
We’ve had some great conversations with Falls Mobility Finance, and depending on your situation, there may be financing options available even while you’re still building your business credit.
Comment FINANCE, and we’ll send you the link.
