Lili, a financial platform designed for small and mid-sized businesses, has launched the Lili BusinessBuild Program, a credit-building solution designed to help entrepreneurs establish and monitor their business credit profiles directly through their Lili accounts.
Access to business credit remains a challenge for many entrepreneurs, with approximately 72% unaware of their business credit score and nearly 75% not knowing where to access related information. The BusinessBuild Program aims to address these issues by integrating credit-building tools and insights from Dun & Bradstreet into daily financial operations, facilitating easier monitoring and optimization of business credit.
Lilac Bar David, Co-Founder and CEO of Lili, stated that the program was created “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.” She emphasized that access to credit is “essential for business growth, yet it’s often out of reach for the very businesses that need it most.”
A core component of the program is the BusinessBuild Credit Card. This secured credit card allows business owners to contribute to their credit profile with each purchase by reporting activity to Dun & Bradstreet. Cardholders establish their own credit limits by pre-allocating funds as collateral, and the card features no interest charges, annual fees, or credit checks. Monthly payments on the card are reported to Dun & Bradstreet to aid in building a business credit profile and history. Lili App Inc. partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for the Lili BusinessBuild Card, which is a pay-in-full charge card requiring the full balance to be paid monthly.
The program also provides real-time credit health visibility through Connected Credit, a feature powered by Dun & Bradstreet data, directly within the Lili account. Users can monitor six key Dun & Bradstreet credit scores and ratings, including PAYDEX®, Delinquency Score, and Failure Scores, and receive real-time alerts for significant changes. This integration also offers a detailed view of factors influencing credit, such as payment history, credit usage, and outstanding debts, helping to identify potential risks early. By integrating a Lili Business Bank Account, there may be potential for customers to positively impact their Delinquency and Failure Scores, although Dun & Bradstreet requires a minimum of six months of business banking transaction history for this potential impact. Lili is the first to globally launch this embedded Connected Credit experience with Dun & Bradstreet.
Chris Moss, General Manager, SMB at Dun & Bradstreet, noted the collaboration as bringing “powerful credit insights directly into the hands of small business owners through our embedded Connected Credit.” Moss added that Lili is “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 further support participants, the program includes expert-led credit training provided by Lili, offering live sessions, step-by-step guides, and personalized recommendations. This launch expands on Lili’s strategic collaboration with Dun & Bradstreet, which was initially announced in August 2024 with the goal of assisting small businesses in establishing business credit. The BusinessBuild Program is an add-on feature available to all Lili Accounts, excluding sole proprietorships. While the first month is free, subsequent months are priced at $18 for two months, then $30 per month.
Founded in 2019 by Lilac Bar David and Liran Zelkha, Lili is a financial platform headquartered in New York, serving customers in all 50 U.S. states. It integrates business banking, business credit, and accounting services. Banking services are provided by Sunrise Banks, N.A., Member FDIC.
