Business Credit Application - Arizona 2025

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Approval for a business credit card can range from a few minutes for automated approvals to several weeks for manual reviews. It generally takes approximately 7-10 days to get a physical card in the mail once approved.
How fast can you get a good business credit score? In 3-6 months, you can establish a basic score if you use vendors that report. In 6-12 months, you can achieve a strong score (above 80 on PAYDEX or 700+ on Experian Business). In 2-3 years, you can qualify for major business funding opportunities.
While its not possible to drastically improve your credit score in just 30 days, you can take steps to begin enhancing it and start building your business credit within this timeframe by paying off debt, disputing inaccuracies on your credit report, making all payments on time, keeping credit utilization low, and
The fastest way to build business credit is to establish trade lines with suppliers, apply for a business card, and work with lenders that report to business credit bureaus.