What is a Good Business Credit Score?
Understanding business credit scores and how they affect your funding
Three Business Credit Bureaus
Unlike personal credit (which has one score), business credit has three different scoring systems
Dun & Bradstreet
Score Name
PAYDEX Score
Range
0-100
Good Score
80+
What It Measures
Payment history based. Higher is better.
Experian
Score Name
Intelliscore Plus
Range
0-100
Good Score
76+
What It Measures
Risk assessment. Predicts payment likelihood.
Equifax
Score Name
Business Credit Risk Score
Range
101-992
Good Score
700+
What It Measures
Similar to personal credit scoring.
What Makes a Good Business Credit Score?
80-100
Excellent
80-100 (D&B)Best rates, highest approvals, premium terms
70-79
Good
70-79 (D&B)Good rates, high approval, favorable terms
50-69
Fair
50-69 (D&B)Moderate rates, conditional approvals
0-49
Poor
0-49 (D&B)Higher rates, limited options, may need collateral
What Affects Your Business Credit Score?
35%
Payment History
Pay all bills on time, every time
30%
Credit Utilization
Keep balances below 30% of limits
15%
Length of Credit History
Older accounts help your score
10%
Public Records
Avoid bankruptcies, liens, judgments
10%
Company Size & Revenue
Larger, more established = better
How to Check Your Business Credit
Dun & Bradstreet
dnb.com
Free basic, $99+ full
Experian Business
experian.com/business
$39.95/month
Equifax Business
equifax.com/business
$99.95 one-time
💡
Pro Tip
Check your business credit at least annually. Errors are common and can hurt your funding chances. Dispute any inaccuracies immediately.
Get Funded at Any Credit Level
We work with businesses at all credit levels to find the right funding solution
Check Your Funding Options →