Guides
Business credit guides
Plain-language business credit guides, each with its sources. Start with the basics, then read about the PAYDEX score and what lenders review when your company applies for a loan elsewhere.
Suggested reading order
Each guide matches a stage of the 8-stage roadmap: See the 8-stage roadmap
- Guide 1
Business credit vs. personal credit: how they differ and why it matters
Who keeps each file, how they're scored, who can see them, and how to keep your LLC's credit separate.
Stage 1, business uniformityRead the guide - Guide 2
PAYDEX score explained: what it measures and how to build it
What D&B's 1 to 100 score measures, what the ranges mean, and how a new business builds one.
Stage 4, PAYDEXRead the guide - Guide 3
Loan readiness guide: what lenders review before a business loan
What lenders typically review before a business loan, and how business credit helps you prepare.
Stage 8, established business creditRead the guide
Ready to put it in order?
The guides explain the concepts. The Business Establishment Program walks your company through all 8 stages, in English or Spanish. Results depend on the bureaus, vendors, and how the business pays; nothing is promised.
FAQ
Questions owners ask us
Does business credit affect my personal credit?
Accounts in the company's name report to business bureaus, tied to the EIN, not to your personal file. If you sign a personal guarantee, the vendor or card issuer may check or report to your personal credit, depending on its policy. Read the guide: Business vs. personal credit
What is a good PAYDEX score?
PAYDEX runs from 1 to 100. A score of 80 typically means bills are paid on time, as agreed; higher scores reflect paying early. A business needs a few reported payment experiences before a PAYDEX score appears. Read the guide: PAYDEX score explained
Will business credit help my company qualify for a business loan?
It helps you prepare. When you apply for a business loan, lenders typically review the company's business credit reports (D&B, Experian, and Equifax), along with revenue, time in business, and often the owner's personal credit. We help establish that business credit profile so you are better prepared to apply with the bank or lender of your choice. ABC is not a lender and does not provide or arrange loans, and no approval is guaranteed. Read the guide: Loan readiness guide
“Stop leveraging your personal credit and let your company work for you.”
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