Credit scores are available for individuals, businesses and governments. Business credit scores allow banks to assess a firm’s creditworthiness. Certified Business Loans can help you qualify for capital.

Banks and governments have a certain allocation of capital to be distributed to the most creditworthy businesses. There are actually a variety of different credit reporting agencies, each with their own specific credit score type. These business credit scores might help a financial institution rate your specific loan request on its merits, compare your firm to the industry standard and rank businesses competing for the same funds. Here are four types of business credit scores:

  • Dun & Bradstreet PAYDEX Score (D&B PAYDEX)
  • Equifax Payment Index
  • Experian Intelliscore Plus
  • FICO LiquidCredit Small Business Scoring Service (FICO SBSS)

Each scores might be calculated slightly differently.


Dun & Bradstreet uses your business credit score for international trade to determine the “trade credit” to be extended by suppliers, vendors and exporters. The score range is from 1 to 100 (basically, the higher the score, the better). The Dun & Bradstreet PAYDEX Score basically considers your history for paying your bills.

It will list the number of “payment experiences in your file” and then calculate what percentage of those were “within terms of the agreement.” Then, your firm’s payment trend will be compared to the industry average.

The amount of the credit extended to your business will be considered, along with how much is still owed and what is past due. There might also be a “3-month” and “12-month” D&B PAYDEX score listed with “30 days and 120 days slow” facts recorded. Any payments in collections will also be listed.

Equifax Payment Index

As one of the primary credit agencies, Equifax offers the payment index, credit risk score and business failure score on each business credit report. Also using the 1 to 100 scale, Equifax will list whether your payments were made on time. Both vendors and banks provide information to Equifax.

The credit risk score is on a scale from 101 to 992 based on company size, available credit limit, oldest loan and delinquent loans.

The business failure score uses a scale of 1,000 to 1,880 to measure whether your business will shutter its windows in the next twelve months. This score assesses your oldest credit account, credit limit average utilization in prior three months, worst payment status in previous two years and delinquencies.

Experian Intelliscore Plus

Experian also attempts to rate the potential that your business will close in the foreseeable 12 months using a rating from 1 to 100. This business credit score looks at your years in business, payment trends, lines of credit and collections. Late payments will be ranked by how many days late (i.e. 30, 60, 90 and 120 days).

certified loansFICO SBSS

The Small Business Administration (SBA) also has its own FICO SBSS. The SBA is primarily an application processor looking for eligible businesses and connecting them with financial institutions that provide commercial loans. On-time payments will be important for this score ranging from 0 to 300.

Why Are Business Credit Scores Important?

For some loans, you won’t even be able to qualify unless your business credit score is high enough. Other lenders might adjust the amount of your commercial loan or interest rate based on your credit score rating. You can save your business headaches and money with a higher credit score.

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Many of these credit agencies will also look into the personal credit score of the business owner. In general, the business credit score is quite similar to the personal credit score. There are more types of business credit scores, which can be confusing.

Instead of worrying about each type of business credit score, you could hire Certified Business Loans instead. This will speed up the process, providing the essential capital for payroll, rent or expansion. Some business opportunities are once-in-a-lifetime. The Small Business Certified Loans agents can work to keep your business in the black.