How does business credit score affect loan eligibility?

Business credit scores (Dun & Bradstreet PAYDEX, Experian Business, Equifax Business) are separate from personal scores and range from 0–100. A PAYDEX score of 80+ indicates on-time payments and opens access to better financing terms. Lenders evaluate both business and personal credit for small business loans. Established businesses with strong business credit may qualify without a personal guarantee. To build business credit, establish an EIN, open business bank accounts and credit cards, work with vendors that report to business credit bureaus, and pay all obligations early. Monitor your business credit reports regularly for errors, as inaccuracies are common.