Free Business Credit Scores & Reports

Strong business credit scores can be key to getting a company approved for trade credit and financing. But they can be very different than personal credit scores. Understand how they work and how to build strong business credit with a free Nav account: Get Started! Click Here!

What is a Business Credit Score?
Personal credit scores rank creditworthiness of individuals, business credit scores do the same for businesses. Personal credit scores range from 300 to 850. Business credit scores range from 0 to 100. Major business credit reporting agencies Dun & Bradstreet, Experian, and Equifax produce business credit scores and reports. FICO scores for small businesses are known as “FICO SBSS.”

Factors that determine business credit scores:
The following factors may be used to calculate business credit scores. Each scoring model is different, though, so some of these factors may not carry much weight, or may not be used at all.

- Payment history
- Age of credit history
- Debt and debt usage
- Industry risk
- Company size

By far, the most important factor when it comes to business credit scores is payment history: does your business pay its bills on time? Some credit scores are almost exclusively calculated based on payment history. Get Your Personal And Business Credit Scores For Free! Monitor your credit and get matched to business financing with a free Nav account. Get alerts, advice and monitoring today! Checking won't hurt your credit scores! Get Started! Click Here!