We know how challenging it can be for small businesses to establish a strong payment history when you’re just getting started. The process is often confusing — and we believe it doesn’t have to be. At Viola Panther, our Net 30 account is designed to give small business owners access to trade terms while purchasing meaningful, purpose-driven products. No gimmicks, no fluff — just transparent terms and real value.
Viola Panther Net 30 Account
What is a Net 30?
A Net 30 account allows you to purchase products today and pay your invoice within 30 days. Viola Panther offers Net 30 trade terms with payment performance tracking. Reporting to commercial credit bureaus may be enabled once minimum reporting thresholds are met and reporting services are active. Once reporting is enabled, eligible accounts may have on-time and late payments reported.
Why Viola Panther?
We offer everyday products like crochet apparel, canvas art, skincare, and more — so instead of buying items you don’t need just to establish trade history, you can shop for products you’ll actually enjoy.
✔ Net 30 trade terms
✔ Payment history tracking
✔ Purpose-driven products
✔ Community impact with every purchase
How it Works
You don’t need perfect credit to get started. We focus on responsible use and consistent payment behavior. Our goal is to support small businesses with fair access to trade terms while maintaining transparency at every step.
Step 1
Meet the Basic Requirements
To apply for a Viola Panther Net 30 account, you must meet the following requirements:
▪️ Be a U.S.-based business
▪️ The applicant must own at least 75% of the business
▪️ Have an EIN (Employer Identification Number)
▪️ Have a D-U-N-S® Number (if available)
▪️ Review and agree to our Credit Account Terms and Disclosures
+ A D-U-N-S® Number is recommended but not required for approval.
Step 2
Submit an Application
Complete our online application by providing:
▪️ Legal business name and business address
▪️ Owner’s full name and date of birth (for identity verification)
▪️ EIN and D-U-N-S® Number (if applicable)
▪️ Business contact email and phone number
▪️ Business website (if available)
Submitting an application does not guarantee approval.
Step 3
Pay the Annual Fee
▪️ A $99 non-refundable annual account fee is required to activate and maintain your Net 30 account
▪️ The annual fee covers account setup, servicing, payment performance tracking, and program administration
▪️ Eligibility for commercial credit bureau reporting may be enabled once minimum reporting thresholds are met and reporting services are active
The annual fee does not guarantee credit bureau reporting.
▪️ This application will not impact your personal credit score unless a personal guarantee is required and explicitly agreed to
Step 4
Make Your First Order
Once approved:
▪️ Your first order must be at least $96
▪️ Choose from our available crochet apparel, canvas art, skincare products, and more
▪️ Invoices must be paid within 30 days of the invoice date to keep your account in good standing
Step 5
Payment Performance & Credit Reporting
▪️ On-time payments help establish a positive payment history with Viola Panther
▪️ Once reporting is active, eligible accounts may have payment activity (positive and adverse) reported to one or more commercial credit bureaus
▪️ Reporting, when available, is conducted in accordance with each bureau’s standards and policies
Credit reporting is not guaranteed and depends on account status, eligibility, and reporting platform availability.
Step 6
Stay Active & Renew Yearly
▪️ Use your account responsibly to maintain eligibility and account standing
▪️ Renew your account annually to continue access to Net 30 terms and program features
▪️ All future orders must be $50 or more
Frequently Asked Questions
Account Basics
Eligibility & Application
Payments & Credit Reporting
Net 30 Returns & Refunds
What makes Viola Panther different?
We are open to startups and businesses of all sizes — no personal FICO score required. Viola Panther offers Net 30 trade terms paired with purpose-driven products, so businesses can establish a payment history while purchasing items that support their brand and values. Every order supports our community mission and helps businesses grow intentionally.
What is a Net 30 account?
A Net 30 account allows your business to purchase products and pay the invoice within 30 calendar days instead of paying at checkout.
Viola Panther offers Net 30 trade terms with payment performance tracking. Reporting to commercial credit bureaus may be enabled once minimum reporting criteria are met and reporting services are active. When reporting is enabled, eligible payment activity may be reported.
How is Net 30 different from Buy Now, Pay Later (BNPL)?
Consumer Buy Now, Pay Later (BNPL) services such as Klarna or PayPal are designed for personal purchases and generally do not report positive payment activity to business credit bureaus.
Net 30 trade terms are commercial payment arrangements commonly used in business-to-business transactions. When reporting is active, eligible Net 30 accounts may contribute to a business’s commercial credit profile over time.
Is this a revolving credit line?
No. The Viola Panther Net 30 account is a non-revolving commercial trade account. Each invoice must be paid in full within 30 days. Balances do not carry over.
Does this account affect personal credit?
No. Your personal credit will not be impacted unless a personal guarantee is explicitly required and you consent to it.
Who can apply for a Viola Panther Net 30 account?
Any U.S.-based business whose primary owner is at least 18 years old and owns 75% or more of the business. Applicants must have an EIN and a physical U.S. business address.
What documents or info are required?
To verify identity and comply with applicable laws, you may be asked to provide:
- Legal business name and physical address
- EIN (Employer Identification Number)
- Officer’s name, residential address, and date of birth
- Government-issued ID and supporting documentation (if requested)
Will I be approved if my business is new?
Possibly. Approval decisions are based on business information, documentation provided, and internal review criteria. New businesses are welcome to apply.
Is there an annual fee?
Yes. A $99 non-refundable annual account fee is required. The annual fee covers account setup, servicing, payment performance tracking, and program administration. The fee does not guarantee credit bureau reporting.
How is my credit limit determined?
Your initial limit is based on your business credit profile, application details, and supporting documentation.
How much do I have to spend to start?
Your first order must be at least $96. All future orders must be at least $50 to qualify for Net 30 terms.
What happens if I miss a payment?
Late payments may be subject to a Default APR or a $35 fee, whichever is greater. Partial payments may result in finance charges on the unpaid balance. Accounts unpaid after 60 days may be referred to collections and subject to account suspension or legal action.
What is the Default APR if I pay late?
- 1–30 days late: 7%
- 31–60 days late: 8%
- 61–180 days late: 9%
- 181+ days late: 10%
Minimum finance charge: $35
How are payments applied?
Payments are applied to fees first, then interest, then principal. Paying the full balance restores the account to good standing.
Which credit bureaus does Viola Panther report to?
At this time, Viola Panther is not reporting to commercial credit bureaus.
Reporting may be enabled in the future once minimum reporting thresholds are met. When active, reporting may include commercial credit bureaus such as:
Reporting may be enabled in the future once minimum reporting thresholds are met. When active, reporting may include commercial credit bureaus such as:
- Dun & Bradstreet
- Experian Commercial
- Payment history letters
- Account ledger documentation
- Trade references upon request
How do I keep my account active?
Use it regularly and renew annually. Accounts that lapse in activity or payment may be suspended or closed. Renewal notices will be sent via email.
Are you Currently Reporting to Credit Bureaus?
No. Reporting is not active at this time. Reporting may be enabled in the future once program requirements are met.
Can I get a refund if I change my mind or no longer want the item?
No. All Net 30 program sales are final and non-refundable.
What if my item arrives damaged or there’s an issue with my order?
If there is a verified issue, you may request an exchange for merchandise credit, subject to approval.
Can I use merchandise credit to pay for my annual membership or a past due balance?
No. Merchandise credit may only be used for future product purchases.