Business Credit Score
Business credit scores rate the creditworthiness of a business entity separately from owner personal credit — major scores include D&B Paydex (1-100), Experian Business Intelliscore (1-100), Equifax Business Credit Risk (101-992) — used in MCA underwriting alongside cash flow analysis and personal credit.
Why This Matters
Business credit signals add context to MCA underwriting beyond bank statement analysis. A business with established trade-credit history (multiple suppliers reporting on-time payments to bureaus) demonstrates operational discipline that correlates with MCA repayment performance. Many newer or smaller businesses have thin business credit files — making MCA underwriting necessarily fall back on personal credit and bank statement analysis. Funders use business credit scores as risk signals affecting factor rate pricing rather than primary approval gates.
Frequently Asked Questions
Frequently Asked Questions
Do MCA funders pull business credit reports?
Some do, especially for larger advance amounts and specialty programs. Many smaller MCA approvals rely primarily on bank statement analysis and personal credit, treating business credit as secondary signal. Direct funders with internal credit infrastructure tend to pull more comprehensively than ISOs operating through portal submissions.
How do I check my business credit before applying?
D&B (request free DUNS number and Paydex score), Experian Business (paid reports), Equifax Business (paid reports), and Nav (free combined dashboard pulling from major bureaus). Self-checking does not negatively affect business credit unlike repeated personal credit pulls.