Business CreditCredit ScoreFinanceGrowth
How to Build and Improve Your Business Credit Score
Avery MezzanotteJune 3, 20266 min read
Why Business Credit Matters
Your business credit score is separate from your personal credit — and it's just as important. Lenders, suppliers, landlords, and potential business partners check it.
Step-by-Step: Building Business Credit
1. Establish Your Business Entity
- Register your business as an LLC or corporation
- Get an EIN from the IRS
- Open a dedicated business bank account
2. Get a D-U-N-S Number
Dun & Bradstreet assigns these for free. It's the foundation of your business credit file.
3. Open Trade Lines
Start with vendors that report to business credit bureaus.
4. Pay Early — Not Just On Time
The PAYDEX score specifically rewards early payments.
5. Keep Credit Utilization Low
Keep your usage below 30% of available credit.
The Connection to Funding
Strong business credit opens doors to lower interest rates, higher approval rates, and better terms.
Ready to explore funding with your current profile? Start your application and we'll help you find the best options available to you today.