Home Depot Commercial Revolving Charge Card

Qualifying Factor
PREQUALIFIED
TERMS 
REVOLVING

​​FUNDING
RANGE:
D&B/
EXPERIAN
FUNDING
SPEED

​
COST
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Reports to: Business Experian / D & B
Payment Terms:   Revolving
Phone:   866-263-3451

Description:
The Home Depot provides products and services for all your home improvement needs. Their Commercial Revolving Charge Card gives your business payment flexibility and provides a boost to your business credit profile at the same time.
Reports To: D & B, Experian and Equifax
​
To Qualify:
  • 10 Reporting tradelines on D & B
  • DUNS #
  • Paydex Score (78+)
  • $10,000 high limit reporting on your D & B report (other account reporting a high limit)
  • 3 Years in business
  • If you have a Corporate Home Depot Revolving account it can increase your chances for approval, ask to convert your revolving account.
  • Revolving account requires PG for all accounts. Will report to business credit on payments and only reports negative to personal credit.
They may require that you have been in business for at least 3 years to qualify with no PG (personal guarantee), but there have been exceptions made. To get approved for this card with no PG, you will need to go in and apply in one of their locations. Their online form cannot be completed without giving a PG, so you will have to go into a Home Depot and leave the PG section blank.
Sometimes the customer service representative isn’t aware they can process an application without a SSN#. Explain you are trying to get approved based on your business credit history. When you apply in store, they will issue you a temporary “Purchase Pass” that will allow you to shop until you receive your card in the mail. The charges will appear on your credit statement. This card will also work at their Expo Design Center which is owned by Home Depot. You may need to include a copy of a voided business check, copy of a utility bill showing the business address and phone number, and/or a copy of your business license.
To Apply: Signup Online, in store or fax