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Resources for Business Owners
Funding starts with knowledge. Use these trusted tools to check your credit, understand your reports, and see what lenders will see before you apply.
Business Credit
Business Credit Reports & Bureaus
Most lenders check your business credit before making approval decisions. The three major business credit bureaus are:
Keeping tabs on these reports helps you spot errors, track trade lines, and ensure your profile is strong enough to support approvals.
Business Credit Scores
Business credit scores usually range from 0–100. They weigh payment history, trade lines, utilization, and public records. Even one negative mark can impact your ability to get funding.
Nav.com Subscription Recommended
Recommended Tool: Nav pulls your business credit reports and scores into one dashboard. A subscription also matches you to potential funding options and alerts you to changes.
Personal Credit
Why It Matters
For many small business owners, lenders look at both business and personal credit. Understanding your personal credit profile is just as important as managing your business credit.
Check Your Real Scores
Most apps and banks show VantageScores, which lenders rarely use. The industry standard is FICO.
Free Access
Create accounts directly with each bureau to monitor and dispute:
