What Is a Good Business Credit Score?

By Eclectic-Systems Editorial Team • October 2026 • 9 min read

Summary

Good business credit helps you qualify for financing, better terms, and insurance savings.
Business credit scores vary widely depending on the bureau and scoring model.
Some models range from 1–100 while newer models range from 300–850.
Understanding your scores helps you improve funding options.

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Establish strong credit, monitor financial health, and unlock better funding opportunities.

What Is a Good Business Credit Score?

Unlike personal credit scores, business credit scores vary depending on the bureau. Each bureau builds scoring models to predict different types of risk such as late payment, delinquency, or financial stability.

Credit Model	Score Range	Best Score
D&B PAYDEX	1 – 100	100
Experian Intelliscore V3	300 – 850	850
Equifax Business Score	101 – 715	715
FICO SBSS	0 – 300	300

How to Maintain Strong Business Credit

1. Pay on Time or Early
Payment history is the most important factor. Automate payments when possible.

2. Manage Debt Wisely
Avoid over-leveraging your business and keep utilization low.

3. Establish Trade Credit
Net-30 vendor accounts help build reporting history.

4. Monitor Personal Credit
Some scoring models blend business and personal credit data.

5. Dispute Errors Quickly
Regular monitoring prevents inaccuracies from hurting scores.

How Business Credit Scores Are Calculated

Payment history
Credit utilization
Public records and liens
Company age and industry risk
Account diversity

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