What Is the Highest Possible Credit Score for Small Businesses?
Eclectic-Systems Editorial • Updated 2026 • 13 min read
Summary
- Business credit scores vary widely depending on the scoring model.
- Some models max out at 100, while others reach as high as 1,875.
- Higher scores generally indicate lower lending risk.
- Consumer credit scores max at 850, but business scores use different scales.
Build Your Business Credit Foundation
Track, strengthen, and monetize your business financial profile.
Highest Business Credit Score Ranges
| Scoring Model |
Score Range |
Highest Score |
| Experian Intelliscore Plus | 1–100 | 100 |
| Experian Intelliscore Plus V3 | 300–850 | 850 |
| Experian Financial Stability Risk | 300–850 | 850 |
| Equifax Business Delinquency | 101–662 | 662 |
| Equifax Business Financial | 101–715 | 715 |
| Equifax OneScore Commercial | 300–660 | 660 |
| FICO SBSS | 0–300 | 300 |
| D&B PAYDEX | 1–100 | 100 |
| D&B Failure Score | 1,001–1,875 | 1,875 |
| D&B Delinquency Predictor | 101–670 | 670 |
What Drives Business Credit Scores?
- Payment history
- Credit utilization
- Business age and stability
- Public filings and liens
- Industry risk
- Account diversity
How to Build a Near-Perfect Business Credit Profile
- Pay all vendors early or on time.
- Keep utilization below 30%.
- Maintain active tradelines.
- Monitor reports regularly.
- Dispute inaccuracies immediately.
Turn Strong Credit Into Opportunity
Unlock better financing, vendor terms, and investor confidence.