Free. Soft pull only.
Know Your Business Credit Score
Your business credit file decides your limits, your pricing, and whether a lender asks for a personal guarantee. See where you stand — checking has no impact on your personal or business credit.
- Soft inquiry — never a hard pull
- Report prepared by a real specialist
- Plain-English explanation of what to fix first
Why Your Business Credit Score Matters
It is not a vanity metric. Your file shows up in decisions you make every quarter.
Better loan terms
A strong file moves you into lower-cost products, larger limits, and longer terms — often worth thousands over the life of a single loan.
Vendor relationships
Suppliers check business credit before granting net-30 or net-60 terms. Better terms directly improve your working capital cycle at no cost.
Insurance premiums
In many states and lines of coverage, business credit is a rating factor. A weak file can quietly raise what you pay every year.
Growth planning
Knowing your score means you can open a line of credit before you need it, rather than negotiating from a position of urgency.
Understanding Your Score
Most business scores run 0–100 (Dun & Bradstreet PAYDEX, Experian Intelliscore). Here is how the bands read.
0–49
Limited options; focus on the basics.
50–69
Approvals possible at higher cost.
70–79
Solid access to most products.
80–89
Better limits and pricing.
90–100
Best terms available.
Lenders also use FICO SBSS (0–300), which blends business and personal credit and is weighted heavily in SBA and bank underwriting.
Frequently asked questions
Know your score. Then use it.
Once you know where you stand, see what you qualify for — up to $2MM with no impact to your personal credit.