Your business credit score is one of the most critical factors lenders assess. A strong score can be the difference between a "yes" and a "no," and it directly impacts the interest rates you'll pay.
Why Credit Scores Matter
Lenders use credit scores to assess the risk of lending to your business. A higher score indicates lower risk, leading to better terms, higher limits, and faster approvals.
Key Takeaways
- Pay bills on time, every time
- Keep credit utilization low
- Monitor your credit report regularly
- File accounts on time
Frequently Asked Questions
How long does it take to improve a score?
Significant improvements can usually be seen within 6-12 months of consistent positive behavior.
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Lending Rate Impact
Estimated -0.85% to -1.2% reduction in lender risk premium via Goodlady Sentinel Audit evidence.
Borrowing Access
14.2% increase in institutional lender appetite for audited portfolios.
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