diff --git a/buildSrc/src/main/java/org/springframework/boot/build/RepositoryTransformersExtension.java b/buildSrc/src/main/java/org/springframework/boot/build/RepositoryTransformersExtension.java
index d77fed6556c..74772a8ef44 100644
--- a/buildSrc/src/main/java/org/springframework/boot/build/RepositoryTransformersExtension.java
+++ b/buildSrc/src/main/java/org/springframework/boot/build/RepositoryTransformersExtension.java
@@ -20,7 +20,9 @@ import java.net.URI;
 import java.util.ArrayList;
 import java.util.Collections;
 import java.util.Comparator;
+import java.util.LinkedHashMap;
 import java.util.List;
+import java.util.Map;
 import java.util.function.BiFunction;
 import java.util.function.Function;
 
@@ -37,6 +39,8 @@ import org.gradle.api.artifacts.repositories.MavenArtifactRepository;
  */
 public class RepositoryTransformersExtension {
 
+	private static final String CREDENTIALS_MARKER = "{spring.mavenCredentials}";
+
 	private static final String REPOSITORIES_MARKER = "{spring.mavenRepositories}";
 
 	private static final String PLUGIN_REPOSITORIES_MARKER = "{spring.mavenPluginRepositories}";
@@ -60,6 +64,19 @@ public class RepositoryTransformersExtension {
 				return "%s<ibiblio name=\"%s\" m2compatible=\"true\" root=\"%s\" />".formatted(indent, name, url);
 			});
 		}
+		if (line.contains(CREDENTIALS_MARKER)) {
+			Map<String, MavenCredential> hostCredentials = new LinkedHashMap<>();
+			getSpringRepositories().forEach((repository) -> {
+				if (repository.getName().startsWith("spring-commercial-")) {
+					String host = repository.getUrl().getHost();
+					hostCredentials.put(host,
+							new MavenCredential("${env.COMMERCIAL_REPO_USERNAME}", "${env.COMMERCIAL_REPO_PASSWORD"));
+				}
+			});
+			return transform(line, hostCredentials.entrySet(), (entry,
+					indent) -> "%s<credentials host=\"%s\" realm=\"Artifactory Realm\" username=\"%s\" passwd=\"%s\" />%n"
+						.formatted(indent, entry.getKey(), entry.getValue().username(), entry.getValue().password()));
+		}
 		return line;
 	}
 
@@ -99,10 +116,14 @@ public class RepositoryTransformersExtension {
 	}
 
 	private String transform(String line, BiFunction<MavenArtifactRepository, String, String> generator) {
+		return transform(line, getSpringRepositories(), generator);
+	}
+
+	private <T> String transform(String line, Iterable<T> iterable, BiFunction<T, String, String> generator) {
 		StringBuilder result = new StringBuilder();
 		String indent = getIndent(line);
-		getSpringRepositories().forEach((repository) -> {
-			String fragment = generator.apply(repository, indent);
+		iterable.forEach((item) -> {
+			String fragment = generator.apply(item, indent);
 			if (fragment != null) {
 				result.append(!result.isEmpty() ? "\n" : "");
 				result.append(fragment);
@@ -136,4 +157,8 @@ public class RepositoryTransformersExtension {
 		project.getExtensions().create("springRepositoryTransformers", RepositoryTransformersExtension.class, project);
 	}
 
+	record MavenCredential(String username, String password) {
+
+	}
+
 }
diff --git a/spring-boot-project/spring-boot-tools/spring-boot-antlib/src/it/sample/ivysettings.xml b/spring-boot-project/spring-boot-tools/spring-boot-antlib/src/it/sample/ivysettings.xml
index f9d3011e630..470a19bc53b 100644
--- a/spring-boot-project/spring-boot-tools/spring-boot-antlib/src/it/sample/ivysettings.xml
+++ b/spring-boot-project/spring-boot-tools/spring-boot-antlib/src/it/sample/ivysettings.xml
@@ -2,7 +2,6 @@
 	<settings defaultResolver="chain" />
 	<resolvers>
 		<chain name="chain">
-			<!-- NOTE: You should declare only repositories that you need here -->
 			<filesystem name="local" local="true" m2compatible="true">
 				<artifact pattern="${user.home}/.m2/[organisation]/[module]/[revision]/[module]-[revision].[ext]" />
 				<ivy pattern="${user.home}/.m2/[organisation]/[module]/[revision]/[module]-[revision].pom" />
@@ -11,6 +10,5 @@
 			<!-- {spring.mavenRepositories} -->
 		</chain>
 	</resolvers>
-    <credentials host="${env.COMMERCIAL_RELEASE_REPO_URL}" username="${env.COMMERCIAL_REPO_USERNAME}" passwd="${env.COMMERCIAL_REPO_PASSWORD}"/>
-    <credentials host="${env.COMMERCIAL_SNAPSHOT_REPO_URL}" username="${env.COMMERCIAL_REPO_USERNAME}" passwd="${env.COMMERCIAL_REPO_PASSWORD}"/>
+	<!-- {spring.mavenCredentials} -->
 </ivysettings>
diff --git a/spring-boot-tests/spring-boot-smoke-tests/spring-boot-smoke-test-ant/ivysettings.xml b/spring-boot-tests/spring-boot-smoke-tests/spring-boot-smoke-test-ant/ivysettings.xml
index 51cf26e3633..91bec08ae53 100644
--- a/spring-boot-tests/spring-boot-smoke-tests/spring-boot-smoke-test-ant/ivysettings.xml
+++ b/spring-boot-tests/spring-boot-smoke-tests/spring-boot-smoke-test-ant/ivysettings.xml
@@ -3,7 +3,6 @@
 	<caches defaultCacheDir="${projectDir}/build/ivy-cache"/>
 	<resolvers>
 		<chain name="chain" returnFirst="true">
-			<!-- NOTE: You should declare only repositories that you need here -->
 			<filesystem name="local" local="true" m2compatible="true">
 				<artifact pattern="${projectDir}/build/test-repository/[organisation]/[module]/[revision]/[module]-[revision].[ext]" />
 				<ivy pattern="${projectDir}/build/test-repository/[organisation]/[module]/[revision]/[module]-[revision].pom" />
@@ -12,4 +11,5 @@
 			<!-- {spring.mavenRepositories} -->
 		</chain>
 	</resolvers>
+	<!-- {spring.mavenCredentials} -->
 </ivysettings>