Business credit application
For wholesalers, suppliers and service firms deciding whether to sell to a business customer on account. It collects company and ownership details, bank and trade references, the credit limit requested and billing contacts, then has the applicant accept your terms, authorize credit checks and, optionally, personally guarantee the account.
- Fields
- 54
- Pages
- 3
- Paper
- Letter
Fill it online without an account. The blank PDF is free to download and works in any PDF reader. Downloading a filled copy from the editor needs a free account — 3 downloads a month, no watermark. See plans
Reviewed
Before you start
What you need to fill it in
- The applicant's legal name, entity type, EIN and years in business
- Owners or officers with titles and ownership percentages
- A bank reference and three trade references
- The credit limit requested and estimated monthly purchases
- Accounts payable contact and invoice delivery email
- Sales tax exemption certificate, if applicable
What's inside
54 fields, ready to fill
- 46Typed answersnames, addresses, descriptions
- 3Dateschecked as real dates
- 3Choicescheckboxes, options, dropdowns
- 2Signaturessignature and initials
7 required — the editor counts down how many are left while you fill.
Instructions
How to fill out the Business credit application
- 1
Adjust your terms first
Before sending, edit the terms paragraph in the editor to match your payment terms, late charges and collection costs.
- 2
Applicant fills company details
Legal name, DBA, entity type, EIN, years in business, address and annual revenue.
- 3
Applicant lists principals
Each owner or officer with title and ownership percentage.
- 4
Applicant gives references
Bank name and contact, then three trade references the applicant buys from on credit.
- 5
Applicant signs
An authorized officer signs to accept terms and authorize credit checks. An owner signs the guaranty if you require one.
- 6
Review and decide
Check references, record the approved limit and terms in the office-use section, and protect the stored PDF.
Fill it online
What filling it looks like
- Edit & fill, Invite to sign and Create form are three modes of the same editor
- Amounts are formula fields: they calculate as you type
- The field navigator counts what's left and jumps to the next field
Shown with our invoice template. Sample content; names are fictional.
Written for: General (US)
This template is a general business form, not legal advice. Credit terms, guaranty language and credit-reporting authorizations are governed by state and federal law; have your attorney review them before use.
Written by PDFBetter and last reviewed October 15, 2026. Spotted a problem? Tell us.
Business credit application: questions people ask
Is a personal guaranty enforceable?
A signed personal guaranty is commonly used to make an owner liable for the company's debt, but enforceability depends on its wording and state law. Have your attorney review it. This is not legal advice.
Can we run a credit report on the applicant?
Business credit reports generally require a legitimate business purpose, which a credit application provides. Pulling an individual guarantor's consumer report requires their authorization under the FCRA.
How many trade references should we ask for?
Three is common. Ask each for the account's opening date, credit limit, high balance and payment pattern.
How should we store completed applications?
They contain EINs and financial data. Store them with restricted access and use Protect PDF before emailing.
Ready when you are
Fill the Business credit application now — no account to start.