Small Business Credit Scores
Many small business owners don’t realize that business credit scores are distinctly separate from personal credit scores. Your business credit score has no impact on your personal credit score, and vice versa.
Business credit reflects your company’s image to potential lenders and business partners. Yet, unlike personal credit — which can be viewed only with the permission of the report holder — business credit scores are made available to the public. Anyone can view your business credit score for any reason.
Furthermore, business credit is expressed with a different numerical range than personal credit. Business credit scores provide a quick view of a company’s risk potential based on a scale of 1 to 100 — the higher the score, the lower the risk.
A small business credit score is vital for separating your personal and business financial risk. As a forward-thinking small business owner, you know that credit affects your ability to obtain capital to develop your small business. Your business credit report can influence:
- The amount of your loan and what interest rates you'll pay
- Your business insurance premiums
- Whether suppliers will extend credit terms
Experian's small business credit reports can help you establish, improve and monitor your business credit score. So you get the funding and credit you need, when you need it.
Establish Small Business Credit
Jump-start your ability to get the funding and good credit terms you need to grow your small business. Start now by verifying the business information Experian has on your company with Experian's BizVerifySM credit report.
Conduct a business credit check, or learn how to establish business credit with Experian.
Build Small Business Credit
Once you are sure that you have a small business credit rating, take the first step to improving it. Get your Experian CreditScoreSM report and find out your business credit score today.
Check your business's credit, or learn more about how to build small business credit.
Monitor Small Business Credit
Stay on top of your business's financial health and guard against identity theft. Sign up for Experian's credit monitoring service today and get 24/7 access to your small business's credit report and score.
Start with a business search, or learn how to monitor business credit.
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