Business funding readiness score

How The Score Works

Personal credit score is worth up to 25 points, time in business and revenue up to 15 each, card use, negative items and vendor accounts up to 10 each, recent inquiries up to 5 and the five setup basics 2 each. 80 or more reads as funding ready, 60 to 79 almost ready, 40 to 59 build first and under 40 start with credit repair. The weights are our judgment of what lenders commonly check, not any lender's formula.

The Funding Marks We Use

Across our business funding pages we use the same marks: a 680 or higher score, under 30% card use, no negative items and no recent inquiries. If you are not there yet, start with credit repair.

More Help

See the best business credit apps, browse all credit and funding guides, or learn the rules for business entities at the SBA business guide.

Questions People Ask

What is a business funding readiness score?

It is our own 0 to 100 checklist of the things lenders commonly look at: personal credit, card use, negative items, inquiries, time in business, revenue, vendor accounts and business setup. It is not a lender's decision.

What credit score do I need for business funding?

It depends on the lender and product. Many of the funding programs we cover look for 680 or higher, low card use and no recent negative items.

What is a D-U-N-S number?

A unique ID from Dun and Bradstreet that opens a business credit file. Many vendors and lenders use it to look up your company.

Does this quiz check my credit?

No. It only uses your answers, runs in your browser and does not touch your credit report.