Business Credit Score Impact Estimator

This tool helps you understand the potential impact of certain business practices and financial items on your business credit score (e.g., PAYDEX, Intelliscore Plus, Equifax score). Business credit scores are influenced by several factors.

Key Factors Generally Include:

Payment History: Paying vendors/suppliers on time (Trade Credit).
Credit Utilization: Amount owed vs. credit limits.
Public Records: Liens, judgments, bankruptcies.
Company Size, Age, Industry.

Answer the questions below for a high-level estimate of potential impact. This tool does **not** calculate your actual credit score.

Payment History

1. How timely are your payments to suppliers or vendors who report to business credit bureaus (Trade Credit)?

Always on time or early Sometimes late (1-30 days past due) Frequently late (31+ days past due) Unsure / Don't have reporting vendors

2. Have you had any late payments (30+ days past due) on business loans or credit cards in the last 1-2 years?

Yes, recent late payments Yes, but only in the distant past No late payments Don't have business loans/credit cards

Credit Utilization

3. What is your estimated total available limit across all your business credit cards and lines of credit?

4. What is your estimated total current balance owed across all your business credit cards and lines of credit?

Financial & Public Records

5. Does your business have any recent tax liens, judgments, or bankruptcies?

Yes, recent (in last few years) Yes, but only in the distant past No

6. Is your business generally profitable?

While not always a direct scoring factor *from inputs*, overall financial health supports creditworthiness.

Yes, generally profitable Breaking even Generally operating at a loss

Business Profile

7. How many full years has your business been operating?

8. In what industry does your business primarily operate?

Some industries are perceived as having higher risk profiles by credit bureaus.

9. What is your estimated annual business revenue?

Business Credit Score Impact Estimation Summary

Estimated potential impact on your business credit score based on your responses and common credit scoring factors. This is a high-level assessment, not a score calculation.