Offset Your Web Analytics Bill With a Creative Analytics Net 30 Account

How do you know if your UI and UX are effective enough to convert customers? What about your calls to action? Your web design? 

Optimizing your business website or online store shouldn’t be based on guesswork, and this is where web analytics services like Creative Analytics can make a huge difference. Even better; they offer a net 30 account that can make effective analytics even more accessible.

Our Verdict on Creative Analytics’ Net 30 Account

The Creative Analytics business credit account is one of our top recommendations for any company that wants to boost its online presence—so much so that they made it to our Tier 1 business credit vendors of 2024.

For one, they offer basically all the digital marketing services you need for your business to thrive, including web design, marketing automation, web analytics, and so much more.

However, the most important edge they have over other digital marketing agencies is that they offer a net 30 account. In other words, the Creative Analytics business account program allows members to pay for products or services up to 30 days from their invoice date. 

Hence, you can manage your cash flow better while still getting what your business needs.

Creative Analytics’ Net 30 Account Pros

The Creative Analytics Net 30 Account Can Help You Build Business Credit

Like most net 30 accounts, the Creative Analytics business program can help you build business credit by reporting your payment history to business credit reporting agencies. Currently, they report to Experian Business and Credit Safe.

What does this mean for your business, exactly? When you pay your bills on time and establish a positive payment history with a net 30 vendor, this will reflect on your business credit score. It’s similar to using a credit card responsibly to boost your personal credit score.

Plus, since Creative Analytics reports to a major business credit bureau like Experian, it may be easier to build your credit history. This can be a significant advantage if you don’t have any other trade credit lines yet.

As of this writing, they offer one net 30 account called the Purchasing Charge Account. It lets you pay for all goods or services you avail within a monthly statement period by your statement closing or due date. 

The initial credit limit is $1,000, but it may increase as you build your credit history with them. The annual fee is $79.

This net 30 term allows you to pay for big-ticket services over multiple months, similar to a business credit card. This is why a net 30 account with Creative Analytics is incredibly useful for businesses that can’t pay for more expensive services like designing a new website or customizing a new landing page for your online store.

It’s More Accessible to New Businesses

The Creative Analytics net 30 account is generally more accessible to both new and established businesses. We say that because in comparison, other credit builder programs and net terms are more stringent, which can be a hurdle for a small business.

For example, other net 30 accounts require applicants to be in operations for at least a year or so before they can qualify. For Creative Analytics, you only need to be in business for at least 30 days. They also don’t need a personal credit score check or personal guarantee (PG).

However, there are still criteria and other requirements to consider. More on that later. 

Another thing we like about the Creative Analytics business program is that they lay out all the credit program info, which is extremely useful for businesses that aren’t familiar with net 30 accounts. 

When you click on the application, you’ll see all their business program requirements so that you don’t waste time with an application if you don’t qualify. It’s also easy to access information about their limited refund policy, business credit affiliates program, net 30 pricing, payment term info, credit history requirements, and more. 

If you can’t find the information you need, it’s easy to get in touch with their customer service team.

Creative Analytics’ Net 30 Account Cons

Balances Can Pile Up

Since the Creative Analytics Annual Purchasing Charge Account functions essentially like a credit card, payments can pile up if you’re not careful. 

This is especially true if you avail of expensive and/or recurring digital services, which are much harder to pay for than cheaper business essentials like office supplies.

Still, this isn’t an inherent con for this vendor. Instead, it depends on your business’s ability to pay balances on time according to the credit term, which is most often directly linked to how good your cash flow is. With that in mind, we recommend purchasing a service only if you can handle the monthly payments, especially if you are a small business.

Creative Analytics’ Net 30 Approval Requirements

It’s quite easy to see if you qualify for a net 30 account with this vendor. First, you must be an Authorized Officer and Controlling Party of the business entity. A beneficial owner is a “key individual who directly or indirectly owns at least 25% of the legal entity, or is the trustee of a trust that has 25% or greater ownership.” 

Here’s a closer look at their applicant criteria for the net 30 account:

• Must operate in the United States as a domestic incorporated entity
• Must have an IRS-issued Federal EIN 
• Must have a Dun & Bradstreet-issued DUNS
• Must be in business for at least 30 days.
• Business contact information in D&B entry (Business Name, Address and Phone Number) 
• Must have active up-to-date state of incorporation registration with a verifiable phone number.
• Must have no derogatory business reporting or any delinquencies

You’ll also have to provide basic information about you and your online store or business, such as business name, legal entity type, number of employees, etc. Again, they won’t check your personal credit, but they might check your business’s payment history.

If you meet these qualifications, you can apply for their net 30 account here.

Note that you have to pay any applicable fees to send your application. You may receive a refund if your net 30 account application is denied for not meeting the applicant criteria.

Optimize Your Business Credit With Credit Suite

If you want to build business credit while receiving the goods and services you need for operations, check out our list of Tier 1 and Tier 2 business credit vendors. We’ve spotlighted a few dozen net 30 vendors that most businesses need, such as Wise Business Plan, Crown Office Supplies, Staples Office Supplies, and more.

Not sure how to navigate a trade credit or net 30 account? Our Credit Suite experts can also help.

But what if you need to improve your cash flow even more? 

The Credit Suite Credit Line Hybrid is the answer. With this unique no-doc program, you can get easy access to the cash you need to keep your business thriving. Unlike a traditional business loan, you can fund your business without putting up collateral, and you only pay back what you use. 

Credit Suite can also help you monitor your business credit score, explore other small business trade credit options, and evaluate your creditworthiness with Fundability.

Everything you need as a business owner is all here. Talk to our financing experts to find out more!