A business looking for commercial credit will apply with their bank. The bank will check the company’s business profile.
For an unsecured commercial line of credit, the business will undergo much stricter scrutiny. This is because unsecured financing is more of a credit risk to lenders. Whereas for a secured commercial lending solution, the lender will check on the value of the collateral on offer.
Sometimes, people get a credit card which they believe to be a business credit card, but those are actually personal credit cards with the name of a business on them. If a card reports to TransUnion, and not to Dun & Bradstreet, then by definition it is not a business credit card.