Business credit education
Short lessons for owners who are just starting: Net 30 vendor accounts, fuel cards, starter business cards, EIN, D-U-N-S, and what should report. Business credit only, not personal credit repair.
Nir Appelton
Specializing in
I teach US start-ups and small-business owners how to start building business credit: Net 30 vendor accounts, fuel cards, starter cards, EIN, D-U-N-S. I've been building businesses in Miami since 2005. Right now I'm building two AI products for 2026.
About Me
Business credit teacher, builder since 2005, dad of two.
I teach US start-ups and small-business owners who are just starting to build business credit. Net 30 vendor accounts, fuel cards, starter business cards, your EIN and D-U-N-S number, and which accounts report. I'm not a personal-credit consultant. I stay on the business side, because that's the part I see new owners get stuck on. It's education, not a promise. Every lender decides for itself.
I was born and raised in Israel and moved to Miami in 2003. Two years later I started my first business, Hot Buckles, selling custom belt buckles online. Since then I've run a web design studio, built online stores, started apparel brands and run DTF printing. I've packed the orders and signed the payrolls. That's where my advice comes from.
Now I'm building with AI. VIYO reads a Shopify store and writes its Klaviyo email campaigns. 2Hour Mastery is a homeschool platform for Florida families, grades 6 to 12. I built it first for my own two daughters, and they're the reason it exists.
My Journey
From Israel to Miami, one business at a time.
2026
Building with AI
Two AI products launching in 2026: VIYO, which writes Klaviyo email campaigns from a Shopify store, and 2Hour Mastery, a homeschool platform for Florida families.
2023
Apparel brands and print
Started Adorb Custom Tees and Outdoorzees, with DTF printing operations behind them. Matching tees for families, outdoor apparel, and local custom printing in South Florida.
2020
The CEO Creative
Started The CEO Creative: Net 30 vendor accounts plus office supplies and custom print, built to help small businesses buy what they need without fronting all the cash.
2019
Simplio Web
Launched Simplio Web, an online mall for personal credit-builder products. It ran until 2021, alongside the studio.
2012
Simplio Web Studio
Founded Simplio Web Studio and ran it as CEO until 2021. We designed websites and built online stores for other businesses.
2005
Hot Buckles
My first e-commerce venture. Custom belt buckles and accessories, sold online. I ran it for ten years and learned the store business from the inside.
2003
Israel to Miami
Born and raised in Israel, I moved to Miami in 2003. New country, new market, and a lot to learn before the first business.
Projects
What I run now, what's launching, and what came before.
Now
Net 30 vendor accounts for small businesses, plus office supplies and custom print.
Matching apparel for couples, families, pets and occasions, plus local custom printing in South Florida.
Outdoor apparel made for fishing, climbing and the rest of your adventures.
Launching 2026
An AI tool that reads your Shopify store, learns the brand and writes Klaviyo email campaigns.
AI-powered homeschool platform for Florida families, grades 6 to 12, aligned to Florida B.E.S.T. standards.
Past
- Simplio Web2019-2021
An online mall built around personal credit-builder products.
- Simplio Web Studio2012-2021
My web design and e-commerce development studio. I ran it as CEO and founder.
- Hot Buckles2005-2015
My first e-commerce venture: custom belt buckles and accessories, sold online.
- PrestaShop Quick Checkout
A checkout addon I developed for stores that run on PrestaShop.
What I Work On
The four things that fill my week.
E-commerce and stores
I've run online stores since 2005 and built them for clients at my studio. Product pages, checkout, email, the whole path to an order.
- Shopify
- PrestaShop
- Klaviyo
Apparel and print
Custom apparel brands and DTF printing operations. I know the work behind every order: printing it, packing it and getting it out the door.
- DTF printing
Web, design and AI products
Years of websites and design work. Now AI products: one that writes email campaigns for Shopify stores, and one that helps Florida families homeschool.
