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Get High Limit Recession Business Credit Cards Without Personal Guarantee

A recession is looking more and more inevitable. So you may be wondering how to get recession business credit cards without personal guarantee.

Get Recession Business Credit Cards Without Personal Guarantee

You know the drill. You shopped around the major banks, and then the medium-sized banks and then the small ones. You tried the banks where you do business and any others recommended by your friends or business associates. But after your long quest, you were unable to get any sort of recession business credit cards without personal guarantee.

There are over 500 different business credit cards out there but less than fifty of them offer credit to businesses without a personal guarantee. Complicating matters, these cards are not advertised or offered to all interested clients.

You can relate to the banks’ point of view. They don’t like risk so they try to minimize it by securing a business credit card. They do this by asking you, the business owner, to guarantee payments from your personal funds, in case of business default. If worst comes to worst, and as a guarantor or co-signer you are unable to pay the debt, then your personal assets will be executed. As in, your bank accounts, your car, your home, your stocks, and anything else you may have used to guarantee that card.

But your point of view, naturally, is that you need this card to run your business better.

What You Can Do to Get Recession Business Credit Cards Without Personal Guarantee

Build business credit! Small business credit is credit in a company’s name. It doesn’t link to an owner’s personal credit, not even when the owner is a sole proprietor and the solitary employee of the company.

As a result, a business owner’s business and personal credit scores can be very different.

Get Recession Business Credit Cards Without Personal Guarantee: The Advantages of Building Business Credit

Given that small business credit is distinct from consumer, it helps to safeguard a business owner’s personal assets, in the event of legal action or business bankruptcy.

Also, with two distinct credit scores, an entrepreneur can get two different cards from the same merchant. This effectively doubles buying power.

Another advantage is that even new ventures can do this. Heading to a bank for a business loan can be a recipe for frustration. But building company credit, when done correctly, is a plan for success.

Personal credit scores are dependent on payments but also other considerations like credit use percentages.

But for business credit, the scores really only depend on if a small business pays its invoices on a timely basis.

Get Recession Business Credit Cards Without Personal Guarantee: The Process of Building Business Credit

Growing small business credit is a process, and it does not occur without effort. A business will need to actively work to build small business credit.

Nevertheless, it can be done easily and quickly, and it is much more efficient than building consumer credit scores.

Vendors are a big component of this process.

Doing the steps out of order will lead to repetitive rejections. Nobody can start at the top with small business credit. For example, you can’t start with retail or cash credit from your bank. If you do, you’ll get a denial 100% of the time.

Get Recession Business Credit Cards Without Personal Guarantee: Start with Small Business Fundability

A small business must be fundable to lenders and vendors.

That’s why, a company will need a professional-looking website and email address. And it needs to have site hosting from a vendor like GoDaddy.

And, company phone numbers ought to have a listing on

Likewise, the business telephone number should be toll-free (800 exchange or the like).

A business will also need a bank account dedicated only to it, and it needs to have every one of the licenses essential for operation.


These licenses all must be in the particular, correct name of the small business. And they need to have the same company address and telephone numbers.

So, note, that this means not just state licenses, but potentially also city licenses.

Recession Business Credit Cards Without Personal Guarantee Credit Suite

Learn more here and get started toward establishing small business credit. Get money even in a recession!

Get Recession Business Credit Cards Without Personal Guarantee and Start Dealing with the Internal Revenue Service

Visit the IRS web site and obtain an EIN for the small business. They’re free of charge. Choose a business entity like corporation, LLC, etc.

A business can begin as a sole proprietor. But they will probably want to change to a kind of corporation or an LLC.

This is in order to decrease risk. And it will make the most of tax benefits.

A business entity will matter when it pertains to tax obligations and liability in case of a lawsuit. A sole proprietorship means the owner is it when it comes to liability and tax obligations. Nobody else is responsible.

Get Recession Business Credit Cards Without Personal Guarantee: Kick off the Business Credit Reporting Process

Begin at the D&B website and obtain a free D-U-N-S number. A D-U-N-S number is how D&B gets a business into their system, to produce a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s sites for the company. You can do this at If there is a record with them, check it for correctness and completeness. If there are no records with them, go to the next step in the process.

This way, Experian and Equifax will have activity to report on.

Vendor Credit

First you need to build trade lines that report. This is also called vendor credit. Then you’ll have an established credit profile, and you’ll get a business credit score.

And with an established business credit profile and score you can begin to get retail and cash credit.

These types of accounts often tend to be for the things bought all the time, like marketing materials, shipping boxes, outdoor work wear, ink and toner, and office furniture.

But to start with, what is trade credit? These trade lines are credit issuers who will give you preliminary credit when you have none now. Terms are normally Net 30, rather than revolving.

So, if you get approval for $1,000 in vendor credit and use all of it, you need to pay that money back in a set term, like within 30 days on a Net 30 account.


Net 30 accounts need to be paid in full within 30 days. 60 accounts need to be paid fully within 60 days. Unlike with revolving accounts, you have a set time when you have to pay back what you borrowed or the credit you made use of.

To start your business credit profile the proper way, you should get approval for vendor accounts that report to the business credit reporting bureaus. When that’s done, you can then make use of the credit.

Then pay back what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Vendor Credit – It Makes Sense

Not every vendor can help in the same way true starter credit can. These are merchants that will grant an approval with marginal effort. You also want them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

You want 3 of these to move onto the next step, which is retail credit. Here are some stellar choices from us:

Retail Credit

Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, then move to retail credit. These are companies which include Office Depot and Staples.

Only use your SSN and date of birth on these applications for verification purposes. Otherwise, use the small business’s EIN on these credit applications.

Fleet Credit

Are there more accounts reporting? Then move to fleet credit. These are service providers like BP and Conoco. Use this credit to buy fuel, and to fix and maintain vehicles. Only use your SSN and date of birth on these applications for verification purposes.

Recession Business Credit Cards Without Personal Guarantee Credit Suite

Learn more here and get started toward establishing small business credit. Get money even in a recession!

Cash Credit

Have you been sensibly managing the credit you have gotten up to this point? Then move onto more universal cash credit. These are businesses such as Visa and MasterCard. Just use your SSN and date of birth on these applications for verification purposes.

These are normally MasterCard credit cards. If you have more trade accounts reporting, then these are feasible.

Recession Business Credit Cards no PG Credit Suite

Learn more here and get started toward establishing small business credit. Get money even in a recession!

Get Recession Business Credit Cards Without Personal Guarantee: Monitor Your Business Credit

Know what is happening with your credit. Make certain it is being reported and address any mistakes as soon as possible. Get in the practice of checking credit reports. Dig into the details, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less than it would cost you at the CRAs.

Update Your Record

Update the details if there are mistakes or the information is incomplete.

Get Recession Business Credit Cards Without Personal Guarantee: Fix Your Business Credit

So, what’s all this monitoring for? It’s to dispute any problems in your records. Mistakes in your credit report(s) can be taken care of. But the CRAs normally want you to dispute in a particular way.

Get your business’s PAYDEX report at: Get your company’s Experian report at: And get your Equifax business credit report at:


Disputing credit report mistakes usually means you send a paper letter with copies of any proofs of payment with it. These are documents like receipts and cancelled checks. Never send the original copies. Always send copies and keep the original copies.

Fixing credit report errors also means you precisely itemize any charges you contest. Make your dispute letter as understandable as possible. Be specific about the issues with your report. Use certified mail so that you will have proof that you mailed in your dispute.

A Word about How to Get Recession Business Credit Cards Without Personal Guarantee

Always use credit responsibly! Don’t borrow more than what you can pay off. Keep track of balances and deadlines for payments. Paying on schedule and in full will do more to boost business credit scores than just about anything else.

Growing business credit pays off. Good business credit scores help a business get loans. Your credit issuer knows the company can pay its debts. They understand the business is for real.

The business’s EIN connects to high scores and lenders won’t feel the need to call for a personal guarantee.

Get Recession Business Credit Cards Without Personal Guarantee – They Can be Yours

With patience and in time, you can get a business credit card from a bank with no personal guarantee. All you need is what the banks ask: a solid business generating steady revenues, with a healthy cash flow. It can happen even now. The COVID-19 situation is not going to last forever.

 Learn more here and get started toward getting high limit recession business credit cards without personal guarantee.

The post Get High Limit Recession Business Credit Cards Without Personal Guarantee appeared first on Credit Suite.

Should You Add Buy Now, Pay Later Options to Your E-commerce Site?

There have never been as many ways to pay online as there are today. Nor has it ever been more important to make sure you offer your consumers their preferred option.

For some, that might be a long-trusted Visa or Mastercard. Others may prefer Apple Pay, PayPal, or another digital wallet. And, increasingly, consumers are choosing to use buy now, pay later solutions when they checkout.

But what is this payment solution? And is it time you added buy now, pay later to your website? Read on to get my views on the topic.  

What is Buy now, Pay Later?

The name says it all. “Buy now, pay later” literally lets consumers buy a product and have it delivered while delaying payment until a later date.

This option is very similar to the old-school layaway method, in which stores let consumers reserve an item while paying it off in installments. Once all payments were made, they’d then be able to take the item home.

Buy now, pay later offers an even more consumer-friendly alternative to layaways. There’s no need to wait to access the item until it’s paid off in full—consumers only have to wait for their items for as long as they take to reach their doorsteps.

You’ve probably seen buy now, pay later payment options at checkouts in many places you shop. Mattress company Leesa partners with Affirm. Anthropologie partners with Klarna. Sezzle partners with Bodega.

Unlike layaways, consumers don’t necessarily use buy now, pay later to fund expensive purchases. They use the payment method to buy all kinds of things, from everyday needs like clothing and homeware to big-ticket items like fitness equipment.

Buy Now Pay Later Apps Peloton

While there are several options for buying now and paying later, they all broadly offer the same thing. The consumer gets to make repayments over several installments (typically between two and four) or in full within 14 to 30 days. Failing to pay will usually result in a fee, but not always.

One of the reasons buy now, pay later solutions are proving so popular is because they offer consumers an easier way to access credit. Unlike credit cards, which require users to hand over a lot of information and pass a rigorous credit check, buy now, pay later providers only ask for a consumer’s name, email address, date of birth, and billing address.

The solutions also mirror the purchasing habits of young consumers who are more likely to buy a selection of items, try them out at home, and then return the ones they don’t want. Returns are often more manageable and less stressful using a buy now, pay later solution since consumers don’t pay for the products in the first place.

6 Reasons to Add Buy Now, Pay Later Options to Your E-Commerce Site

It’s not just consumers who like buy now, pay later solutions. There’s a lot to like about them from a store owner’s point of view, too.

Here are six benefits to buy now, pay later.

Potential Sales Increases With Buy Now, Pay Later

When you allow consumers to spread out payments, they may be more likely to make a purchase. Consumers don’t even have to have the money in their account to buy your products.

They just have to be confident they can pay for them in the next few weeks. This is particularly handy for capturing consumers with paydays on the horizon.

The increase in conversions can be particularly dramatic if your items are higher priced, as consumers may be more willing to buy something pricey they otherwise wouldn’t when they can split the payment into manageable chunks.

Buy Now, Pay Later May Entice New Customers

More and more consumers are choosing this payment option. Even if they have the cash in their banks, there is little downside to spreading the payments out when they aren’t charged interest.

That means some consumers might actively look for stores that offer their favorite buy now, pay later options. Recognizing this, many buy now, pay later providers offer lists of where the service can be used. Some, like Klarna, even have apps allowing consumers to shop online directly through them.

Buy Now, Pay Later Could Build Trust

It used to be almost impossible to get a trial period for many consumer products, but buy now, pay later often makes this possible. By purchasing via a buy now, pay later solution, consumers can test out your product without committing to the purchase.

If they like it, they can pay as usual. If not, they can return it without having to worry about getting a full refund since they haven’t spent much, if anything, yet.

A small increase in free returns may cost you more in the short-term, but the long-term benefits of increased consumer loyalty can be substantial.

Customers may see you have enough confidence in your products to risk the possibility of returns and trust them enough to make good judgment calls for themselves, free of the questioning they may get in stores.

You May Decrease Cart Abandonment With Buy Now, Pay Later

Around 6% of cart abandonments are caused by a lack of payment options, according to the Baymard Institute. If you increase payment options by including a buy now, pay later solution, you may see a decrease in your abandonment rates.

Buy Now Pay Later Apps can lower cart abandonment

That’s not all, though.

Buy now, pay later can also make your checkout process much smoother. Consumers don’t have to enter card details or a billing address; they only need to log in with their Klarna or Affirm account. This fact is important because 28% abandoned their carts because they didn’t want to create an account, and 17% didn’t trust the sites with their information.

Your Competitors May Already Use Buy Now, Pay Later

If your competitors haven’t already integrated at least one buy now, pay later solution into their checkout, the chances are high they will do it soon. Research shows one-third of US-based e-commerce stores plan to integrate a purchase finance option over the next one to two years.

If you fail to keep up with consumer demands, you’ll inevitably lose customers to competitors that do keep pace.

Buy Now, Pay Later May Give Consumers a Better Credit Solution

The fact of the matter is buy now, pay later is a much more affordable finance solution than credit cards for many consumers. Not only that, they are often a much safer form of debt than credit cards or payday loans.

The former can have double-digit interest rates, while the latter can trap you into a spiral of debt. And if your customers need those to pay for things, they may hesitate to make purchases at all or end up in a financial situation where they can’t become a repeat customer.

You may worry about selling to customers who can’t afford the products up front, but don’t worry: like credit cards, buy now, pay later companies pay you when the transaction is made, and it’s on them to pursue non-paying customers.

3 Reasons Not to Add Buy Now, Pay Later to Your E-commerce Site

Buy now, pay later tools aren’t perfect for everyone. As a consumer finance solution, there are some issues you need to consider.

Buy Now, Pay Later Services Often Require Higher Fees

There’s a cost for the increased conversion rates and new customers that buy now, pay later can bring. They come in the form of higher fees. Klarna, for instance, charges a $0.30 fee and a variable charge of up to 5.99%. That’s significantly higher than almost all Visa and Mastercard payment gateways.

It’s not just the higher fees you need to worry about. There’s also the opportunity cost of listing another payment solution. Every time consumers use a buy now, pay later option, they are choosing not to use another payment option with lower fees.

Buy Now, Pay Later Could Encourage Consumer Debt

While buy now, pay later solutions are marketed as consumer-friendly finance products, some critics believe they are just another way to trick consumers into taking on more debt than they need.  

This is true whether you sell t-shirts at $10 a pop or mattresses for $1,000. Buy now, pay later encourages consumers to take out credit agreements with third-parties even if they can already afford to pay for the product in cash.

You Could Risk Your Reputation if Buy Now, Pay Later Problems Arise

Owing to the issues above, buy now, pay later solutions have received a lot of negative media coverage. There’s every chance these solutions may be looked on favorably in the future given the value they provide for some consumers—but only time will tell.

If negative media coverage of these solutions grows, and public opinion turns against these options, brands that facilitated these payments may become targets.

However, this coverage could disappear or improve as people become more used to these products, so it’s something to consider but not necessarily something to panic over.

Best Buy Now, Pay Later Tools

Competition in the buy now, pay later space is fierce and growing. That means consumers have more options. You’ll probably want to consider having more than one buy now, pay later option to keep consumers happy.

Here are some of the leading players you should consider integrating into your checkout.


Buy Now Pay Later Apps Klarna

Klarna is a Swedish bank and one of the most prominent players in the buy now, pay later market, partnering with thousands of businesses in almost 20 countries. The platform offers users two ways to make repayments: “slice it” and “pay later.”

With slice it, consumers pay for purchases in four installments over six weeks. With pay later, consumers receive a bill for the full amount after 30 days. The payments are interest-free for consumers who qualify. Brands using Klarna include Uniqlo, H&M, and Anthropologie.


Buy Now Pay Later Apps Affirm

Affirm is designed to help consumers finance purchases of all sizes. It supports small, everyday purchases like the rest of the solutions in this list, with interest-free payments split over weeks or months.

It also helps consumers make more significant purchases or needs like car repairs with interest-bearing loans spread over six to 18 months. How long consumers spread out the payments is up to them.

Affirm also doesn’t charge any fees, including late and repayments fees. There’s no fee to open or close an account, either. Brands using Affirm include Peloton, Walmart, and adidas.


Buy Now Pay Later Apps Quadpay

Quadpay lets consumers split purchases into four installments paid over six weeks when they shop online or in-store. Approval is instant and performed using soft credit checks.

There’s no need for store owners to install Quadpay at their checkouts. The payment tool is available anywhere Visa is accepted because the company provides users with their own Quadpay Visa card numbers.

All your customers need to do is choose the retailer and enter the purchase amount—Quadpay takes care of everything else.


Buy Now Pay Later Apps Sezzle

Sezzle lets consumers split purchases into four interest-free payments due over six weeks. There are no fees if consumers pay on time, and there’s no impact on their credit ratings.

Sezzle partners with over 24,000 stores, including Brandless, YoungLA, and GHOST, and integrates with all leading e-commerce platforms.


Buy Now Pay Later Afterpay

Afterpay lets consumers make interest-free purchases and repay the amount with four equal payments due every two weeks. If consumers miss a payment, Afterpay charges them $10. A further $7 will be charged if they fail to make payment within a week.

Afterpay differs from some lenders on this list by approving users for every purchase rather than approving an account. The company has stated its algorithm has been programmed to favor users who have previously used the service and paid on time. Participating brands include Jimmy Choo, lululemon, and UGG.


It’s essential to provide as many payment options as possible and give your consumers their preferred choices. Integrating a buy now, pay later solution can result in more sales, decrease cart abandonment rates, and build trust.

You also need to consider drawbacks, like the higher rates that come with buy now, pay later options.

Will you be adding a buy now, pay later solution to your site, and if so, which one?

The post Should You Add Buy Now, Pay Later Options to Your E-commerce Site? appeared first on Neil Patel.

Frank Williams in stable condition in hospital

Former F1 team boss Sir Frank Williams has been admitted to hospital where he is currently in a stable condition.

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Perfect Home Owner Insurance Quote

Suitable Home Owner Insurance Quote

Acquiring essential as well as likewise as huge as a resident insurance coverage strategy should certainly be taken seriously. Undoubtedly, you desire to acquire your strategy from one of the most efficient service, in addition to acquire one of the most efficient citizen insurance plan quote.

Simply exactly how can you do that?

When it entails home owner insurance coverage quotes, what develops the insurance policy service provider apart?

Homeowner insurance policy company are identified in various techniques. Have a look at ball game of the homeowner insurance firm worried, along with whether they are accredited to do business in your state. Homeowner insurance company similarly differ in the level of defense they utilize as well as likewise the type of security you can contribute to your citizen insurance coverage strategy.

While you’re shopping for the finest home owner insurance plan quote, find the company’s rating. Talk with family individuals, buddies, in addition to neighbors worrying the house owner insurance policy protection companies with which they do solution.

What genuinely makes one of the most efficient citizen insurance plan quote?

The excellent residence owner insurance policy protection quote varies from private to private. You call for to evaluate out countless different home owner insurance policy protection companies.

Where can I find whatever I need to find out about property owner insurance policy protection in my state?

Your state’s department of insurance plan has all the information you call for to recognize concerning homeowner insurance plan security in your state. The insurance policy protection department will definitely similarly have the capability to provide you with a list of homeowner insurance provider as well as additionally agents accredited to do solution in your state.

Take a look at the position of the home owner insurance policy protection companies in worry, in addition to whether they are approved to do solution in your state. House owner insurance plan company similarly differ in the level of defense they provide as well as additionally the type of defense you can consist of on your house owner insurance policy protection strategy.

While you’re shopping for the finest residence owner insurance plan quote, find business’s position. Talk with home individuals, pals, along with neighbors worrying the home owner insurance coverage companies with which they do solution.

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10 Online Marketing Tools to Try This Year

Online marketing is facing yet another massive evolution, where the rules of engagement are starting to change. This happens every couple of years, as customers demand something new, and companies are scrambling to adjust their brand’s tactics accordingly. New technology is often a driving force behind such changes, and this time is no exception. The… Read more »

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Are There More Than 3 Business Credit Reporting Agencies?

There Are More than 3 Business Credit Reporting Agencies, but it All Comes Back to the Big Three

When most people think of business credit reporting agencies, they think if Dun & Bradstreet.  It’s true, the Dun & Bradstreet PAYDEX is one of the scores most commonly used by lenders.  In addition to D&B however, there is Experian and Equifax that are fairly commonly used.

Those aren’t the only three however.  The FICO SBSS score is gaining popularity in the business credit world as an option for business credit scoring.  There are actually a lot more business credit reporting agencies than that, but the one most commonly used outside of the big three of D & B, Experian, and Equifax, is the FICO SBSS.

Keep your business protected with our professional business credit monitoring.

Dun & Bradstreet is the Biggest of the Business Credit Reporting Agencies

There are six different Dun & Bradstreet reporting options, all measuring different areas of credit worthiness.   The most commonly used and simplest to understand is the PAYDEX.   Generally speaking, this is the most like the consumer FICO score.  It measures the speed of payment.  It ranges from 1 to 100.  A 70 or higher is “good.” For example, a score of 100 means that the company makes payments in advance, and a score of 1 indicates that they pay 120 days late, or more.

What Other Scores Does Dun & Bradstreet Offer?

In addition to the PAYDEX, these other reporting options are available                   .

●        Delinquency Predictor Score

The delinquency predictor score measures the likelihood the company will not pay, will be late paying, or will fall into bankruptcy.  The scale is 1 to 5, and a 2 is considered good.

●        Financial Stress Score

The financial stress score is a measurement of the pressure on a company’s balance sheet.  That is, it indicates the likelihood of a shutdown within a year.  It measures on a scale of 1 to 5,  with a minimum of 5 and a maximum of 1.  A business with a score of 2  is in good shape.

●        Supplier Evaluation Risk Rating

This rating ranks the odds of a company making it for the next 12 months.  The minimum score is 9 and the maximum is 1.  A company with a score of 5 is good is doing okay.

●        Credit Limit Recommendation

The credit limit recommendation shows a business’s borrowing capacity.  It is a dollar amount recommendation for how much debt a company can handle. Typically, it is used by creditors to determine how much credit to extend.

●        D&B Credit Rating

The credit rating is an estimation of overall business risk on a scale of 4 to 1.  A two is good.  It’s important to note, the rating is given in conjunction with letters.  The combination of the letters and numbers relay the company’s net worth.

Even if there isn’t enough information on a business to assign a regular rating, Dun and Bradstreet will assign what they call a Credit Appraisal Score.  Unlike a full credit score, this is based on number of employees. In addition, there is an alternative rating based on what data is actually available.

The letter portion of this rating cannot be assigned as good or bad since net worth is not necessarily an indicator of how stable a business is.

Keep your business protected with our professional business credit monitoring.

Experian Business Credit Score

Experian offers a number of different scores as well.  Lenders can choose to use any or all of them. Of course, each one tells them something different.  Consequently, it takes all the scores put together to get a complete credit picture from this business credit bureau.  Still, not all lenders look at all the scores that are available.

Intelliscore Plus

The Intelliscore Plus credit score shows credit risk based on statistics.  It is a highly predictive score.  As such, its main purpose is to assist users in making well informed credit decisions.

The Intelliscore scores range from 1 to 100.  The higher your score, the lower your risk class. The opposite is true as well, meaning the lower your score, the higher your risk class.

Score Range Risk Class

76 – 100 Low

51 – 752 Low – Medium

26 – 503 Medium

11 – 254 High – Medium

1 – 105 High

How Does Experian Business Credit Calculate the Intelliscore Plus Score?

One of the things Intelliscore is most known for is the identification of key factors that can indicate how likely a business is to pay their debt.  There are over 800 commercial and owner variables used to calculate an Intelliscore Plus credit score.  Here’s the breakdown:

●        Payment History

This is just your current payment status. It’s how many times accounts have become delinquent.  Additionally, It also shows how many accounts are currently delinquent, as well as your overall trade balance.

●        Frequency

This one shows how many times your accounts have been sent to collections.  It also notes the number of liens and judgments you may have.  Bankruptcies related to your business or personal accounts are included as well.

Frequency can also incorporate information regarding your payment patterns. Were you regularly slow or late with payment? Did you decrease the number of late payments over time? That affects your score.

●        Monetary

This specific factor focuses on how you make use of credit. For example, how much of your available credit are you using right now? Do you have a high ratio of late balances when compared with your credit limits?

Of course, if you are a new business owner, a lot of this information will not exist yet. Intelliscore Plus handles this by using a “blended model” to identify your score. That means that they take your personal consumer credit score into account when determining your business’s credit score.

The Experian Financial Stability Risk Score (FSR)

FSR predicts the potential of a business going bankrupt or not paying its debts.  The score identifies the highest risk businesses by making use of payment and public records. These records include all of the following and more.

  • high use of credit lines
  • severely late payments
  • tax liens
  • judgments
  • collection accounts
  • risk industries
  • length of time in business

business CRAs Credit Suite2

Experian’s Blended Score

This is a one-page report that provides a summary of the business and its owner.  A combined business-owner credit scoring model is more comprehensive than a business or consumer only model.  Blended scores have been found to outperform consumer or business alone by 10 – 20%.

Equifax is Another One of the Bigger Business Credit Reporting Agencies

Equifax shows three distinct business determinations on its business credit reports. These are the Equifax payment index, your business’s credit risk score, and its business failure score.

Similar to the PAYDEX score, Equifax’s payment index, which is a measurement on a scale of 100, shows how many of your small business’s payments were made on time. These include both data from creditors and vendors.

Equifax Credit Risk Score

Equifax’s credit risk score checks how likely it is that your company will become severely delinquent on payments. Scores range from 101 to 992, and they evaluate:

  • Available credit limit on revolving credit accounts, which includes credit cards
  • Your company’s size
  • Proof of any non-financial transactions (such as merchant invoices) which are late or were charged off for two or more billing cycles
  • Length of time since the opening of the earliest financial account

Equifax Business Failure Score

Lastly, Equifax’s business failure score takes a look at the risk of your business shutting down. It runs from 1,000 to 1,600. And it judges these factors:

  • Total balance to total current credit limit average utilization in the past three months
  • The amount of time since the opening of the oldest financial account
  • Your small business’s worst payment status on all trades in the last 24 months
  • Documentation of any non-financial transactions (such as merchant invoices) which are late or are on a charge off for two or more billing cycles

For the credit risk and the business failure scores, a rating of 0 means bankruptcy.

Equifax Scores

A good Equifax score for your business is as follows:

  • Payment Index 0 to 10
  • Credit Risk score 892 to 992
  • Business Failure score 1400 to 1600

Keep your business protected with our professional business credit monitoring.


The FICO SBSS, or FICO Liquid Credit Small Business Scoring Service, is the business version of your personal FICO credit score. It was becoming more and more common for lenders to use this score, rather than the Experian or even the D&B Paydex business credit score.

Unlike your personal FICO, the SBSS reports on a scale of 0 to 300. Of course, the higher the better.  However, most lenders require a score of at least 160.

There are few reasons lenders favor this score.  First, FICO uses business credit information from Dun & Bradstreet, Experian, and Equifax in their business credit score calculation.  Second,they also take into account personal credit score.  Lastly, they consider the lenders preferences for which factors are most important.

Why Rely on Other Credit Reporting Agencies, and How Do Lender Preferences Affect Your Score?

This is a huge difference from other business credit scoring models. The SBSS uses your business credit score from other business credit reporting agencies.  They also use your personal credit score and other financial information such as business assets and revenue. The big change however, is they let the lender decide how much each factor actually affects the score. It is a total global financial picture rolled into one score, and the lender gets to choose which factors have the most impact.

This means you almost always go  into a lender totally blind as to what your FICO SBSS credit score may be. Here is how it works.

How Lenders Get Your FICO SBSS Business Credit Score

  1. You turn in your application and all necessary financial documentation to the lender.


  1. The lender processes this information and sends it to FICO with a request for your SBSS score.


2.5. This is where it gets interesting. The lender can weight certain factors that make up your SBSS score. Your score can vary depending on how a lender weights each factor. For example, a lender can put more weight on your personal credit score or your business credit. It is their choice. This means your FICO SBSS can change from lender to lender even if you haven’t done anything to change it.


  1. FICO then searches business credit information from business credit agencies including D&B, Experian, and Equifax. Since these business credit reporting agencies have already scored the business side of things, the FICO SBSS just used the data from them for that piece of their calculation. If they cannot pull enough scoring information from one, they move on to the next. If there is not enough information from any of them, then it uses personal credit and business financials only.


  1. Using the lender’s weighting preferences, personal credit, business credit, and business financial data the system calculates the FICO SBSS score.


  1. You get either approval or denial based on your score.

SBA Credit Scoring

In 2012 the SBA began using credit scoring in the loan approval process. Since 2014, they have used it on all loans up to $350,000, not including the SBA Express and Export Express.

They use the FICO SBSS out of all the business credit reporting agencies for their scoring needs.  This is likely because by doing so, they get information from the other major business credit reporting agencies plus some.

The information they receive from FICO SBSS helps them to expedite credit decisions. In fact, overall statistics on the $60 billion-plus portfolio at the Small Business Administration show that those businesses with scores at or above the 140 cut-off have had very good payment history.

While the minimum required credit score is 140, the SBA usually will not approve applications until the borrower’s score is 160 or higher.  Some lenders would rather see even higher scores.  An ideal minimum is 180.

There Are More Than Three Business Credit Reporting Agencies

The truth is, there are definitely more than three business credit reporting agencies. The FICO SBSS is just one that many do not know about.  However, like many of the other business credit reporting agencies, they use information from the big three, D&B, Experian, and Equifax, in their calculations.   What does this mean for your business?  Pretty much regardless of which of the business credit reporting agencies your lender uses, the big three are likely still going to impact your score in some way. Also, it means you cannot ignore your personal credit score.  It can make a difference on your ability to get funding even when using your business credit.


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