Viola Panther Net 30 Account

We know how hard it can be to build business credit when you're just starting out. The system makes it confusing on purpose. At Viola Panther, we're changing that. Our Net 30 account is for small business owners trying to build credit. No smoke, no mirrors—just a simple way to support your goals while buying things you actually like.


What is a Net 30?

With a Net 30 account, you get 30 days to pay for what you buy. Instead of paying everything up front, you place an order now and pay the invoice within 30 days. And the best part? We report your payment to all major business credit bureaus—Dun & Bradstreet, Equifax Business, Experian Business, and Creditsafe. That means every payment you make helps grow your business credit profile.

Why Viola Panther?

We offer everyday products like crochet apparel, canvas art, skincare, and more. So instead of spending money on random office supplies you don’t need just to build credit—you can buy from us and actually enjoy what you’re getting. It's a win-win:

✔ Build business credit
✔ Shop for quality products
✔ Give back to the community with every purchase

How it Works

You don't need a perfect business credit score to get started with us—we’re here to help you build, not block you. We believe in keeping things simple and transparent—because life’s already hard enough.

Yellow_Blue_Illustrated_University_Canvas_Button_9

Step 1

Meet the Basic Requirements

▪️Must be a U.S.-based business

▪️You (or the applicant) must own at least 75% of the business

▪️Have an EIN (Employer Identification Number)

▪️A DUNS Number


▪️Read our Credit Account terms and disclosures
Yellow_Blue_Illustrated_University_Canvas_Button_5

Step 2

Submit an Application

Fill out our online form with your:

▪️Business name & address

▪️Owner’s full name and date of birth

▪️EIN number and DUNS number

▪️Contact email and phone number

▪️Website (if you have one)
Yellow_Blue_Illustrated_University_Canvas_Button_6

Step 3

Pay the Annual Fee

▪️There’s a $99 annual fee to activate your Net 30 account

▪️This fee is invoiced and reported as a trade line, helping you start building credit immediately

▪️ This application will not impact your personal credit score unless a personal guarantee is required and agreed upon.
Yellow_Blue_Illustrated_University_Canvas_Button_7

Step 4

Make Your First Order

▪️Your first order must be at least $96

▪️Choose from our available crochet apparel, canvas art, skincare, and more

▪️Pay your invoice within 30 days to keep your account in good standing

Yellow_Blue_Illustrated_University_Canvas_Button_8

Step 5

Build Credit with Every Purchase

▪️Every on-time payment contributes to boosting your business credit profile

▪️We use a reporting platform to send your payment activity to the major business credit bureaus. 

▪️We report in accordance with each bureau’s standards to help strengthen your business credit profile
Yellow_Blue_Illustrated_University_Canvas_Button_10

Step 6

Stay Active & Renew Yearly

▪️Use your account regularly to grow your credit history

▪️Renew your account annually to keep reporting active and enjoy full benefits

▪️All future orders must be over $50 

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 FICO score required. We don’t just sell generic office supplies. Our Net 30 account lets you build credit while shopping from purpose-driven products that build your brand and your business credit. Every order supports our community mission while helping your business grow with intention. We offer handmade, purpose-driven products that build your brand and your business credit.

What is a Net 30 account?

A Net 30 account gives your business 30 days to pay for purchases. Instead of paying at checkout, you’ll receive an invoice due in 30 calendar days. Viola Panther reports your payments to major business credit bureaus, helping you build business credit with every on-time payment.

How is Net 30 different from Buy Now, Pay Later (BNPL)?

Unlike consumer Buy Now Pay Later (BNPL) services like Klarna or Paypal, Net 30 terms tied to business credit accounts actively help build your company’s credit profile. Most consumer BNPL providers don’t report on-time payments to credit bureaus, so positive activity goes unnoticed — but missed payments can still hurt your score. In contrast, Net 30 terms with business vendors are designed to report timely payments to commercial bureaus like Dun & Bradstreet and Experian Business, helping establish real creditworthiness and funding access over time.

Is this a revolving credit line?

No. The Viola Panther Net 30 account is not revolving. It’s a commercial tradeline credit account that requires full payment of each invoice within 30 days. Balances do not roll 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. You must have an EIN and a physical U.S. address.

What documents or info are required?

To verify your identity and comply with federal law, you may need to provide:

  • Legal business name and street address

  • EIN (Employer Identification Number)

  • Officer’s name, residential address, date of birth

  • Government-issued ID, business license, utility bill, or EIN letter

Will I be approved if my business is new?

Possibly. We don’t require perfect credit. Approval is based on a review of your business credit, documentation, and internal criteria.

Is there an annual fee?

Yes, there’s a $99 annual fee. It’s reported as a tradeline, which helps you begin building credit immediately.

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 and credit reporting.

What happens if I miss a payment?

Late payments are subject to the Default APR or a $35 fee, whichever is greater. Partial payments trigger the APR on the unpaid balance. Unpaid balances may be referred to collections after 60 days and could lead to account suspension or legal enforcement.

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 is $35.

How are payments applied?

Payments are applied to fees first, then interest, then principal. A full payment resets any APR charges and restores your account to good standing.

Which credit bureaus does Viola Panther report to?

We report to all major business credit bureaus:
✔ Dun & Bradstreet
✔ Experian Commercial
✔ Equifax Business
✔ Creditsafe

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.

Can I get a refund if I change my mind or no longer want the item?

No. All sales under the Net 30 program are final, and we do not offer refunds.

What if my item arrives damaged or there’s an issue with my order?

 If there's a valid issue with your purchase, 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 can only be used for future product purchases. It cannot be applied toward membership fees or past due invoices.
 Join the Waitlist!
Our Net 30 program is almost ready. Drop your email below to get early access when applications open. You'll also get updates on new drops, restocks, and our Hats for the Homeless Project, where we give crochet beanies to people in need every winter.