Commercial Credit

For Contractors & Businesses


If you are already a valued Germantown Hardware Capital One Trade Credit (formerly BlueTarp Financial) customer, please use the link below to login to your account.


Interested in opening a credit account with Germantown Hardware?


We offer credit accounts for contractors, businesses, schools, government agencies, condo associations, handyman/repair/remodelers, painters, plumbers, rental properties owners, or any other type of use that is not personal. At Germantown Hardware, we partner with Capital One Trade Credit to handle our commercial credit program. Below are just a few reasons why:

  • 24/7 Account Access for Customers

    • View your purchasing activity, review your balances, print invoices or statements, check your available credit online, anytime, anywhere.

  • More Payment Options

    • Pay online, by phone or by mail.

  • Invoice Creator

    • This is a great tool to manage your billing and create a professional looking invoice for your customers.


Your account can be used at both locations where you receive the best combination of product selection and customer service. Ask a member of the Germantown Hardware team for an application or contact us at:

Phone: 1-800-844-7209  •  Email:

Complete a Credit Application and fax it to 877-321-6699.

If you would prefer to fill out your credit application online, please fill out the form below and we will email you a link within one business day.

Frequently Asked Questions

What are the terms of the credit program?
Your Capital One Trade Credit account will function just the same as any other terms-based account. Balances are due, in full, by their due date, as indicated on your statement or invoice. We also offer a grace period before any finance charges are incurred.

What if I need a credit line increase?
Please give Germantown Hardware or Capital One Trade Credit a call and we will work with you to meet your needs.

Can I pay with a credit card?
If using your credit card works best for your business, we accept Visa, Mastercard, Discover and American Express at the time of purchase.

Please Note: Capital One Trade Credit accounts can pay online, by phone using your checking account or by mail. However, we are not able to accept credit cards as payment on a Capital One Trade Credit account.

What address do I mail my payment to?
Capital One Trade Credit

Post Office Box 105525 
Atlanta, GA 30348-5525

If you have any additional questions, please call Germantown Hardware or the Capital One Trade Credit customer service team at 1-888-321-6698. Hours are Monday-Friday, 7am-8pm (ET), Saturday, 8am-5pm (ET) or email