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Increase your access to finance

Increase your access to finance

Access better interest rates

Access better interest rates

Why Your Business Credit Score is so Important

There are abundant finance opportunities for your business. However, you'll need a good credit score to access the best opportunities at leading rates. This page explains the importance of credit building and credit scoring for your business, including how to check and ensure your business has a good credit score.

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The Benefits of a Good Business Credit Score

Beyond the obvious benefit of increasing your chances of being approved for a business loan, a good credit score can provide the following benefits:

Increase Your Access to Finance

You can improve your ability to successfully apply for business loans and other lines of credit with a good credit history. Subsequently, a positive credit score can help your business grow and expand.

Access Better Interest Rates

In addition to having access to better finance products, a good credit score increases your chances of being offered lower interest rates on business loans and credit, resulting in lower costs.

Better Supplier Relationships

An often overlooked benefit to a good credit score is that it can help you quickly establish a positive relationship between you and your suppliers.

Improved Bargaining Power

As well as a better supplier relationship, a good credit score can also empower your business with more bargaining power when negotiating contracts.

What is Business Credit Scoring?

Credit scoring is a method of assessing your creditworthiness through your credit history. Your credit history records your financial activity, keeping track of your loan applications, payment histories, and credit utilisation. Credit scoring applies to individuals and businesses, with the result of a positive or negative credit score being the same. The more positive your credit history, the higher your credit score, and the more likely your finance applications will be approved.

What is Business Credit Building?

Credit building is the process of improving your credit score. You can establish a good payment history and avoid harmful activity like late or defaulted payments. A good credit score can help your business secure loans or lines of credit. It can also make your business more competitive when negotiating with suppliers and applying for contracts.

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Get a Free Business Credit Score

Get a Free Business Credit Report

It's clear that there are notable benefits to ensuring your business has a good credit score, meaning a credit score check is a worthwhile use of your time. It only takes a few minutes to check your business credit score, and as a bonus, you can perform a free credit check by clicking any of the 'Check My Credit Score' buttons on this page.

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Steps to Build and Improve Your Credit Score

If you're running your own business, you may already know what it takes to build up a good personal credit score, but how do you get a good business credit score? The following steps could help you build and improve your business credit score:

  1. Always pay your bills on time, including credit card and loan repayments.

  2. Set up automatic repayments to avoid defaulting on a business loan or credit card.

  3. Reduce your debt by increasing your repayment amounts.

  4. Maintain a healthy mix of different types of credit, such as business credit cards, mortgages and loans.

  5. Monitor your credit report to spot and act on any changes or errors.

  6. Keep your credit utilisation ratio below 30%.

  7. If you have a high credit utilisation ratio but need more credit, ask for a credit limit increase.

  8. Negotiate a payment plan for any delinquent accounts you have.

  9. Use a secured credit card or a credit builder loan to build your credit score.

  10. Don’t apply for several new finance products at once.

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Check Your Business Credit Score

Business Credit Score FAQs

Unlike an individual's credit score, which is typically out of 999, a business credit score is usually assessed out of 100, with 0 being higher risk and 100 being lower risk. Any score below 50 places your business into the higher risk categories, with 50-80 being below-average risk. To be a low-risk (arguably a good business credit score), you need a business credit score of 80 or higher.

You can easily check your credit score by clicking the 'Check My Credit Score' buttons on this page. It only takes a few minutes to check your credit score and better understand your creditworthiness. it's free to check your credit score, so why not check today?

Your credit utilisation rate (also referred to as your credit utilisation ratio) is the amount of credit you use divided by the total amount of credit available to your business, expressed as a percentage.

For example, if you have a balance of £2,000 on one credit card and £3,000 on another, and your combined credit limit is £10,000, your credit utilisation rate is 50%. Put simply; you've used half of your available credit.

You can check your Experian Business Credit Score for free at Capitalise.