Business credit scores aren’t “one number.” They’re bureau-based models built from trade payments, public records, and background data—often visible to vendors, lenders, and partners in the USA and Canada.
Business credit bureaus collect, organize, and analyze commercial risk data about your company. That information is used to create reports and scores that influence decisions such as:
Business credit is often treated as public-facing. Vendors, lenders, and partners may review your business credit profile without your direct authorization as part of routine risk evaluation.
Trade-payment focused bureau using vendor-reported experiences to generate scores like PAYDEX for business credit.
Provides commercial credit scores using trade data, public records, and firmographic business information.
Provides business credit reports and risk assessment models commonly relied upon by lenders and financial institutions.
Tracks trade payments and commercial risk data used by vendors and lenders nationwide.
Provides business credit reports and risk scores for lending and supplier decisions.
Offers business credit data supporting underwriting, risk assessment, and financing decisions.
Business credit scores vary by bureau and model. Below are widely referenced ranges:
Measures trade payment performance, emphasizing how early or on-time vendors are paid.
Predicts business delinquency risk using trade data, public records, and firmographics factors.
Evaluates likelihood of severe delinquency or default based on credit risk factors.
Used by some lenders to assess business loan eligibility, especially SBA programs.
While models differ, most business credit bureaus evaluate similar categories of information.
It’s normal for your business credit to look different at each bureau because:
This is why “no score” at one bureau doesn’t automatically mean poor credit.