Turn Everyday
Payments Into Business Credit
From payments you already make to business credit — and the financing it unlocks.
Free to join · Early access at launch · Unlock credit
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SMBs are funding the largest invisible credit gap in history
82% credit invisible
Most small businesses lack a usable business credit profile — not because they are bad businesses, but because no one is reporting their payment history.
The reporting gap
Small businesses pay vendors on time, every month, but those payments never get reported to business credit bureaus. The creditworthiness exists. The reporting infrastructure does not.
The financing penalty
Without tradelines, there is no credit profile. Without a credit profile, lenders deny financing or offer it at punishing rates. Good businesses get treated like risky ones.
The tradeline void
The payments exist. The track record exists. But without anyone reporting them as tradelines to D&B, Equifax, or Experian, it is as if they never happened.
LendPilot is the infrastructure that turns vendor payments into business credit
The only data we need is your existing bank connection. No manual uploads, no paperwork. One secure connection — automated by LendPilot.
Your Business
Detect payments
Payment history verified via Plaid
Report tradelines
To D&B, Equifax & Experian
Credit Bureaus
Everything handled. Nothing manual.
We'll verify your payments, format them as tradelines, and report them to the bureaus — you don’t lift a finger.
Verification
Every payment, confirmed.
Read-only bank access through Plaid — we never see your credentials and can’t move money. Each transaction is matched against your real bank ledger before it’s eligible to become a tradeline.
Join the waitlistReporting
Tradelines, automated.
We'll format your strongest verified payments and submit them to Dun & Bradstreet, Equifax, and Experian on your behalf — no forms, no portals, no manual work.
Join the waitlistTracking
Your score, monitored.
You'll get a Credit Progress Report showing exactly what was reported, which bureau received it, and where your PAYDEX score stands — the number lenders check before they fund you.
Join the waitlistWhat people ask us before joining the waitlist.
LendPilot is still in development. Here's what we can share about the architecture we're building and where things stand today.
Contact usLendPilot is in active development — we're not yet live for general use. The product's verification, reporting, and integration layers are still being built. Joining the waitlist is how we'll allocate access to the earliest version once the first release is ready.
Connect once.
Build credit.
Unlock capital.
LendPilot will turn your vendor payments into the business-credit profile lenders use to approve bigger loans, higher limits, and better rates.