A strong business credit score is essential for securing financing and trade credit. Just like your personal credit score, your company also has its own credit profile that reflects its ability to access capital and maintain trust with lenders and vendors.
These scores, which typically range from 0 to 100, are calculated by credit reporting agencies such as Dun & Bradstreet, Experian, and Equifax. Scores above 75 are generally considered excellent and signal low credit risk.
What Factors Influence Your Business Credit Score?
Your company’s score is based on various aspects of its financial behavior and business profile. These factors include:
- Credit utilization ratio
- Payment history
- Age of the credit file
- Outstanding balances
- Public records (e.g., bankruptcies, liens, judgments)
- Business size
- Industry risk classification
Who Reports and Tracks Your Business Credit?
Dun & Bradstreet PAYDEX®
This score reflects how reliably a business pays its bills, based on payment history recorded in its D&B profile. It ranges from 1 to 100 — the higher the score, the better the payment performance.
Experian Intelliscore PlusSM
Experian’s business credit scoring model predicts the likelihood of serious payment delinquencies in the next 12 months. It combines business and owner-related credit data to produce a score from 1 to 100, where lower scores indicate higher risk.
Equifax Business Credit
Equifax generates business credit scores by combining commercial credit data with the owner’s consumer credit insights. It’s widely used when applying for both business and personal financing.
Why It Matters
As a business owner, it’s crucial to monitor your company’s financial profile — and that includes checking your credit reports regularly. We know that navigating credit scores can feel complex. That’s why ACP Tax Advisory has created a simplified and accessible method to help you build, maintain, and improve your company’s credit profile — without the guesswork.
ACP Tax Advisory
