Business Coach for 7-Figure Business Owners

Introduction to Business Credit: What Small Business Owners Need to Know

Tayde Aburto

March 20, 2024

10 MIN READ

Money is the bloodline of any business, and credit often serves as the vital artery for small businesses’ survival and growth. Understanding the nuances of business credit can be the difference between thriving and barely surviving in the competitive business world. Let’s dive into the essentials of business credit, assessing its pulse and strategies to keep it healthy for small business owners.

Understanding the Importance of Business Credit

Understanding the importance of business credit is foundational for the success and growth of any small business. Good business credit can unlock a multitude of financial advantages, from obtaining favorable loan terms with lower interest rates to forging beneficial relationships with suppliers. With a stronger credit score, a business may secure capital more efficiently, enjoy extended credit limits, and experience discounts that positively impact cash flows.

Effective cash flow management becomes more achievable when a business has access to credit. This can be essential for smoothing out operational cash flow challenges and keeping the business running smoothly without interruption. However, cultivating a robust business credit history is a deliberate process. It demands separating the business’s financial activities from personal credit histories of the owners, which ensures that the business stands on its own creditworthiness.

Credit bureaus like Dun & Bradstreet, Experian, and Equifax assess business credit through various metrics. A higher business credit score reflected in a solid business credit report indicates to financial institutions and investors that the business is a low-risk borrower. Ultimately, investing the time to build a strong business credit profile can provide significant long-term benefits, from increased access to capital to improved overall financial health.

Assessing Your Business Credit

As a small business owner, assessing your business credit is as important as analyzing your company’s operational performance. Your business credit report provides a snapshot of your company’s financial reliability and is viewed by lenders, vendors, and potential partners when they consider doing business with you. When assessing your business credit, it’s essential to understand the contents of your business credit report.

Typically, a business credit report will include a variety of information such as the business’s identifying details, payment history, public record information like bankruptcies or liens, the types of inquiries made, the background of the company, and most critically, its business credit score. Mismanagement, such as the failure to distinguish between business and personal expenses, can negatively impact your business credit, leading to difficulties when attempting to access necessary capital.

Concerning the business credit score, a standard that many lenders find acceptable is around 75. If your business credit score falls below this mark, securing loans becomes exponentially more challenging. Building and enhancing your business credit score is an investment of time—taking generally 12 to 18 months—to reflect a significant change in your business’s creditworthiness. It’s worth mentioning that access to business credit is not trivial; small business credit cards alone account for a staggering $430 billion in spending every year, exhibiting just how integral business credit is in the broader economy.

Checking Your Business Credit Score

Small business owners must check their business credit score regularly. These scores range from 0 to 100, and they are determined by various factors distinct from those affecting personal credit scores. Payment punctuality, the amount of credit used versus what is available (credit utilization rate), the length of a business’s credit history, and public records can all contribute to a business’s credit score.

The business credit score is a barometer for lenders, suppliers, and other companies to gauge the risk level of engaging with your business. To check these scores, reach out to the three major business credit bureaus: Dun & Bradstreet, Equifax, and Experian, each of which uses its methodology to calculate your score. Focusing on timely payments, maintaining low credit utilization rates, and minimizing financial risks are key strategies to establish and maintain effective business credit health.

Understanding Your Business Credit Report

A clear understanding of your business credit report goes a long way in strategic financial planning. Business credit bureaus generate these reports based on information from creditors and vendors your business engages with. They compile a credit file that becomes the foundation for your business credit report, illuminating your company’s financial history and habits to interested parties.

Your business credit report can have wide-reaching implications, influencing decisions by entities such as insurance firms, which may review it before offering a policy or setting premiums. Notably, business credit reports pack a wealth of information, from identifying data to a detailed account of payment records, public record filings, inquiries by potential creditors, company background particulars, and your business credit score.

Moreover, it’s pivotal to remember that business credit is separate from personal credit. With scores measured on different scales (0-100 for business and 350-850 for individual) and unlike content, a business credit report provides a clear, legal distinction from the personal credit histories of business owners, further underlining the importance of developing and preserving sound business credit practices.

Building and Improving Business Credit

Building a strong and reliable business credit is akin to assembling a solid foundation for a house – it is a critical aspect of ensuring the sustainability and growth of a business. Business credit is essentially a financial assessment that gauges the creditworthiness of a business, and it is influenced by a myriad of factors, including its payment track record, outstanding debts, and overall financial details. Possessing a commendable business credit score is not just about numbers; it creates an enabling environment for businesses to access loans more confidently, fostering opportunities to expand operations, manage daily expenses, purchase inventory, and bring new employees on board.

Securing ample financing, effectively managing cash flows, and building robust relationships with suppliers are all facilitated by having a strong business credit profile. It isn’t just small businesses looking to borrow money that are scrutinized; even suppliers and financial institutions consider a company’s business credit when determining whether to extend credit and on what terms. Therefore, maintaining a positive business credit report is imperative to access the funds that fuel business operations and growth.

To actively monitor and enhance your business credit score, some prudent steps include reducing existing business debt, ensuring punctual payments for all your financial commitments, being reasonable in opening new lines of credit, and obtaining a clear understanding of the financial prerequisites for loan eligibility. By being attentive to these aspects, businesses can positively influence their credit scores and foster an environment of financial health.

Establishing a Business Credit History

When embarking on the journey to establish a business credit history, one of the first steps is to confirm that your business vendors and suppliers report your payment performance to the major credit bureaus – Dun & Bradstreet, Equifax, and Experian. Unlike personal credit, which can be built over routine financial activities, business credit agencies do not automatically create a credit history for a business. Instead, they rely on data from creditors and other financial transactions.

A diverse array of vendors, including suppliers, wholesalers, manufacturers, leasing companies, banks, and other financial institutions, can serve as the stepping stones to establishing those initial business credit relationships. Building a robust credit history adds texture to your business’s financial profile and ultimately opens the door to better financing conditions, such as more attractive interest rates, higher credit limits, and extended repayment periods.

Maintaining a separation between personal and business finances is not just advisable for clear accounting; it protects personal credit scores from being affected by business financial activity. For many new and small businesses, building a credit history comes with challenges and involves persistence and patience. Beginning steps often include applying for a business credit card, consistently paying bills before their due dates, and registering for a Dun & Bradstreet DUNS number – a unique identifier businesses and credit bureaus use.

Tips for Improving Your Business Credit Score

Improving a business credit score is a strategic endeavor that requires attention to detail and timely action. Here are some invaluable tips for business owners to enhance their credit scores:

  • Timely Payments: Ensure all bills and financial obligations are paid by their due dates; delinquent payments can severely impact your credit score.
  • Responsibility with Credit: Apply for a business credit card and use it wisely; maintain low balances and pay off the debt promptly to improve your credit utilization and history.
  • Avoid Legal Entanglements: Judgments, liens, and similar legal issues can tarnish a credit report; preventing them is essential to maintaining a healthy credit score.
  • Establish Net 30 Accounts: Suppliers that offer net 30 payment terms can help build credit if they report to credit bureaus; timely payments under these agreements can benefit your credit profile.
  • Smart Borrowing: When seeking a small business loan, know precisely how much capital your business needs and have a clear plan for its use. This foresight can demonstrate to lenders your business’s financial acumen and potential for success.

Bear in mind that while implementing these tips, it’s recommended to periodically review your business credit report for accuracy and rectify any discrepancies immediately. This vigilance will ensure that your business credit score truly reflects your company’s financial conduct and position.

By following these tips and emphasizing the importance of a strong credit history, businesses can navigate the financial landscape with greater ease and confidence, ultimately leading to sustainable growth and success.

Utilizing Business Credit for Financing

Business credit is a cornerstone for facilitating business expansion and navigating through fluctuating market conditions. It can be strategically leveraged to invest in new technologies, expand product lines, and hire additional staff, which are critical for propelling business growth. Moreover, business credit provides a cushion during short-term cash flow challenges or seasonal revenue dips, giving businesses the much-needed flexibility to sustain operations without disruption.

With access to credit, businesses can negotiate better payment terms with suppliers. This improves cash flow and reduces payment risks, allowing businesses to operate with greater financial confidence. Additionally, by utilizing business credit, companies can take advantage of early payment discounts offered by suppliers, thereby enhancing cash flow and reducing overall costs. This strategic utilization of credit underscores the importance of having a robust growth plan and managing debt levels wisely to ensure long-term business sustainability.

Types of Business Credit Options

When it comes to business credit, there are several options available to meet distinct needs:

  • Trade Credit: This allows businesses to purchase goods or services on account and pay the supplier at a later date, freeing up cash flow in the immediate term.
  • Business Credit Cards: Similar to personal cards, these offer flexibility for various business expenses and can help with short-term financing needs while providing rewards and benefits specific to businesses.
  • Lines of Credit: This option provides access to a defined amount of funds that can be used as needed, which is ideal for managing cash flow and unexpected costs.
  • Term Loans: These loans give businesses a lump sum that is paid back over a set period—and are suitable for substantial, one-time investments.
  • Invoice Factoring and Equipment Leasing: These financing alternatives allow businesses to use outstanding invoices or lease necessary equipment as a means to gain access to capital.

Each type of credit serves unique business needs—from daily operational costs to long-term investments.

Choosing the Right Business Credit Card

Selecting the most appropriate business credit card is vital in efficiently managing financial tasks. Business cards usually offer higher credit limits than personal cards and are a boon for keeping business expenses separate from individual transactions, which aids in accurate bookkeeping. While analyzing options, it’s essential to consider:

  • Credit Limits and Financing Terms: Businesses should seek cards that provide sufficient credit limits and desirable financing terms, such as extended interest-free periods.
  • Rewards and Perks: Premium cards often come with annual fees but can generate significant rewards, offsetting the cost if utilized effectively.
  • Application Requirements: Business owners can apply for these cards with or without an EIN, making them accessible to a broader range of businesses, including small enterprises.

Remember, aligning the card’s benefits with business needs is critical.

Applying for Business Loans

Applying for business loans requires understanding your business and personal financial standing. While loan amounts can go up to $5 million, they are influenced by personal and business credit scores, annual revenue, and existing business debts. Traditionally, before 2020, the approval rate for business loans was higher, but the economic impact of global events has since adjusted the landscape.

Lenders impose minimum requirements for credit scores, time in business, and revenue, often securing loans against collateral like real estate or inventory. Businesses with lower credit scores may face higher interest rates to secure financing. It’s crucial to compare loan offers, evaluating factors such as APR, loan amount, terms, associated fees, and the disbursement speed.

Businesses looking for loans should ensure their financial documents are in order, reflecting a clear picture of their creditworthiness to lenders. By doing so, even businesses with less-than-ideal credit can find pathways to secure the capital they need.

Managing and Maintaining Business Credit

Business credit is more than just a number—it reflects your company’s fiscal responsibility and ability to fulfill financial commitments. Unlike personal credit, business credit is tied to a company’s EIN or D-U-N-S number. It provides a clear view of its credit history, including payment habits and the ability to manage outstanding debts. Effectively managing and maintaining your business credit score is pivotal as it governs access to capital, defines the terms with suppliers, and streamlines cash flow management.

A robust business credit profile opens the door to better financing options, helps you forge strong relationships with vendors, and enhances your negotiating power. Keeping business credit distinct from personal finances is a strategic move that can protect personal credit from potential risks associated with business growth. Establishing and maintaining an excellent business credit score involves interacting with a network of suppliers, wholesalers, and financial institutions while ensuring these vendors report your payment history to the major business credit bureaus. By implementing prudent financial practices, small business owners can build a creditworthy business that stands tall and resilient in a competitive marketplace.

Making Timely Payments

Regarding nurturing your business credit score, punctuality in payments is non-negotiable. Consistently making timely loans or credit payments can significantly enhance your business credit profile. Each on-time payment is an affirmative mark on your credit report, signaling reliability to financial institutions and vendors.

On the flip side, delinquent payments can cast a long shadow over your business credit health. Late payments can lead to a decrease in your credit score and can engender a lack of trust from lenders and suppliers. To avoid such financial faux pas, prioritize and streamline your bill payments. An organized payment schedule, perhaps with automated reminders or direct debit setups, will help prevent costly oversights.

Regularly reviewing your business’s financial documents, such as balance sheets and tax returns, is an insightful exercise that could highlight areas affecting your credit standing. Vigilance in these fiscal reviews can also preempt discrepancies that might go unnoticed, smoothing the way for a stronger credit history.

Monitoring Your Credit Utilization

An essential metric in the business credit landscape is credit utilization, the ratio of your current outstanding credit balances to your available credit limits. High credit utilization can signal overextension to creditors, while low utilization suggests a disciplined approach to debt management. To fortify your credit profile, aim to keep your utilization under 30%—a threshold viewed favorably by credit agencies.

This low utilization demonstrates that while your business can access credit, it is not reliant on it. Paying down balances and responsibly managing credit goes hand in hand with on-time payments to maintain a solid business credit score.

Proactively working with various credit sources is another way to build a strong credit portfolio. This doesn’t mean overextending your business finances; instead, diversifying the type of credit—trade accounts, credit cards, lines of credit—each contributes positively to your credit history.

Business credit cards are a boon for managing uneven cash flows, typically offering higher limits and sometimes extended interest-free periods. Such features allow businesses to manage expenses and investments more flexibly. Choosing the right business credit card, taking into consideration the credit limit and any introductory offers, can support effective credit utilization—benefiting your business credit profile in the long run.


Resources

Money Smart for Small Business (MSSB) provides an introduction to topics related to starting and managing a business. MSSB was developed jointly by the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBAMoney Smart – Teach – For Small Business.

Experian, TransUnion, and Equifax now offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com.

Business lending is made simple with M1Boss Capital; explore your options at https://m1bosscapital.com.


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Tayde Aburto

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More than just a drink, wine inspires the art of scaling. 

Wine entrepreneurs understand that you don’t uncork  A) The vineyard → B) The bottle  you have many steps in between A and B. 

✅ A great growing season 
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Scaling is the same. 

First, you must plant the vineyard. This is the foundation: 

✅ Identify your audience 
✅ Define your mission 
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✔️ Delegate 
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Trying is more than just an action; it's the pathway from where you are now to where you want to be. 

If you don't try, you'll never discover what's possible. 

Taking the first step is crucial. 

Start with an attempt, learn from it, make improvements, and try again. 

This cycle of trying, learning, and improving is essential for growth and success. 

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Have you ever told yourself you're not ready? 

Not ready to start your business, quit your job, or take a big step? 

Here's a truth: just go for it. 

You are more prepared than you think. 

The magic happens when you dive in before feeling ready. 

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Waiting for the perfect moment means waiting forever. 

That fear you're feeling is just pretending to be logic. 

Trust yourself to figure things out as you go.

Stop waiting and take action now. 

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When you focus on building aspects of yourself that no one can snatch away, like your mindset, character, and personality, you become a force to be reckoned with. 

Your mindset is your outlook on life, your character is your moral compass, and your personality is what makes you unique. 

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Jot this down on a sticky note. 

When someone upsets you or even when you’re super excited, try not to overreact.

Why? Because people trust those who stay calm and composed. 

Overreacting shows others that you might not have control over your emotions. 

By keeping your cool, you’ll notice a big positive change in how others see you. 

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Imagine facing something dire, like the devil chasing you or the chance you might die tomorrow. 

This intense pressure can push you to do amazing things. 

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These thoughts can motivate you to act and reach your goals. 

What's your biggest challenge in overcoming laziness? Share your thoughts in the comments, and let's work on it together.

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The Greenwich Meridian was chosen to be the Prime Meridian of the World in 1884. Forty-one delegates from 25 nations met in Washington DC for the International Meridian Conference. By the end of the conference, Greenwich had won the prize of Longitude 0º.

I visited the remarkable place that gave Greenwich Mean Time (GMT) to the world. 

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You can get more money, more resources, more connections. 

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Every successful business owner I know honors their own time. 

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Invest your time in things that align with your goals: 

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Do you value your time enough?

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Travel teaches you to be thankful - for both the good and the bad. 

What’s a travel experience that you’re thankful for?

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If you wake up feeling overwhelmed by pressures and demands that you didn’t set for yourself, it’s time to rethink and express what you truly want. 

Redirect your energy towards activities that excite you and align with your dreams. 

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Sometimes, the solution isn’t doing less but focusing more on what truly drives you forward.

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Thinking like a victim is like carrying around a dark cloud. It makes you feel like everything bad is happening to you, blaming others or luck.

But if you change that thinking, it's like stepping into the sunshine. You realize you can control your story.

Challenges become chances to learn and grow. When you stop thinking like a victim, you take charge, and life becomes more about what you can do, not just what happens to you. 

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Don’t let negative thoughts and challenging circumstances dictate your life. 

Seize control and actively pursue financial opportunities, even in adversity. 

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Have resilience, be proactive, and keep moving forward to create a life that resonates with your true potential and desires. 

Your journey to financial freedom starts with the choices you make today.

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Making up your mind can be a powerful catalyst for positive change.

When you decide to focus on a goal or shift your perspective, it sets a course for favorable outcomes.

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Your mindset shapes your actions, influencing the choices you make and the energy you put into your endeavors.

Rather than being passive, making your mind empowers you to actively shape your reality.

It's a mindset shift that invites opportunities and solutions, aligning circumstances in your favor.

Remember, it's not about controlling everything, but about embracing the power of choice and resilience.

Making your mind is like flipping a switch, illuminating new paths and possibilities that lead you towards success and fulfillment.

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