To access capital for expanding your business, you need good credit. However, this can be difficult if your history isn’t ideal or if you’re a startup with no history to speak of. One of the best ways to build credit is to make timely payments on loans, but you can’t get a loan without good credit. How can you find your way out of this catch-22?

Fortunately, there are steps you can take beyond applying for financing. To build your business credit, follow these four steps.

1. Monitor Credit Reports

The first step is to know your starting point. Order your credit report and continue to do so on a regular basis. This has two purposes: to monitor your score and to look for discrepancies.

Unfortunately, discrepancies are more common than most people think; they’re usually the result of identity theft or incorrect filing. The good news is, they can be corrected if caught. By keeping an eye out for discrepancies, you can ensure you’re not being penalized for things that have nothing to do with you.

2. Manage Cash Flow With Credit

Once you know where you stand, it’s time to apply for credit. If you can’t qualify for a loan with a traditional bank, you can try alternative lenders. These companies often have programs specifically designed for new businesses or companies with poor credit. If you’re a startup or small business, you should also look into SBA loans.

Now that you have financing, use it wisely. Manage your cash flow well and make sure you make timely payments toward your loan. If you’re using a credit card, try to pay off your balance each month if possible. Most cards don’t charge interest on a balance until a month has passed, so you can save money by paying your debt off quickly.

3. Pay Vendors Early

Your loan payments aren’t the only things that impact your credit report. If you miss or are late with vendor payments, those companies can report this information to credit bureaus. To avoid this, try to pay vendors early. Paying on time is good for your score, but paying early is even better.

4. Choose Vendors That Report Your Payments

Depending on your industry, you may be able to work with vendors that report positive information to credit bureaus. While looking for companies to partner with, always ask if this is something the vendor does. Otherwise, your timely payments won’t have as big an impact on improving your business credit.