Your journey to great credit starts here.

Check your business credit score for free and see what's impacting your credit.
Signup for freeLearn more
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Start your journey to better credit by signing up for free.
Business credit
Free credit score and monitoring
Free credit score
Stay up to date with your business credit score.
Free credit summary
Track payment history, available credit, and judgments affecting your credit score.
Free credit monitoring
Get notified about changes to your credit file to protect your score.
Business credit

Building business credit

Understand how different credit bureaus use unbiased data and insight to determine a company's overall financial health.

Dun & Bradstreet scores
Equifax score
Experian score
Dun & Bradstreet business credit scores
Dun & Bradstreet issues several scores to evaluate elements of a business, but the primary scores used are the Paydex score, failure score, and delinquency score.
Paydex Score (1 to 100): Indicator of payment risk.
Failure Score (1,001 to 1,875):  Predicts risk of bankruptcy or closure.
Delinquency Score (1 to 5): Measures risk of late payment or bankruptcy.
Business credit

Building Business Credit

Understand how different credit bureaus use unbiased data and insight to determine a company's overall financial health.

Dun & Bradstreet scores
Equifax score
Experian score
Equifax business credit scores
An Equifax business credit report offers three assessments for businesses: the payment index, the credit risk score and the business failure score.
Paydex Score: Your bill-paying grade (0 to 100). "A" (80+) means prompt payments, "B" (50-79) is moderate, below 50 is potential payment issues.
Failure Score: Predicts issues (1,001 to 1,875). Lower scores mean higher risk within a year
Delinquency Score: Rates late payments (1 to 5). Lower scores (closer to 1) mean timely payments.
Business credit

Building Business Credit

Understand how different credit bureaus use unbiased data and insight to determine a company's overall financial health.

Dun & Bradstreet scores
Equifax score
Experian score
Experian business credit scores
Experian’s CreditScore report includes a business credit score and financial stability risk rating along with information like payment trends, account histories and public records.
Payment Trend: How consistently you pay your bills on time.
Credit Utilization: How much of your available credit you're using.
Public Records: Any legal actions like bankruptcies or liens.
Company Size and Age: The age and size of your business.
Credit Inquiries: Recent credit applications.
Business credit

What your business credit score can do for you

Explore the benefits of a good business credit score.

Better terms on business loans
Having a strong credit score can lead to favorable loan terms.
Lower business insurance rates
Having a strong score can lower your overall rates.
Trade credit terms
Link between business credit score and payment terms with vendors.
Signup for free to access your credit
Business credit

Factors negatively affecting your credit score

Learn about factors that can negatively impact your credit score.

Payment history
Timely payments are vital. Late payments reported to credit bureaus lower your score.
Accounts in collections or liens
Even unreported accounts can hurt if they lead to collections or liens.
Derogatory records
Collections, liens, judgments, and bankruptcies stay on your report for years. On-time payments prevent them.
Opportunities Await
A strong credit score opens doors. Regular review and responsible management secure easier credit access.
Business credit

Factors positively affecting your credit score

Learn about factors that can negatively  impact your credit score.

Opportunities Await
A strong credit score opens doors. Regular review and responsible management secure easier credit access.
Payment history
Consistently pay bills and loans on time to showcase reliability.
Credit utilization
Keep credit card balances low to demonstrate responsible credit use.
Credit history length
Longer credit history signals stability and boosts your score.
Credit mix
Maintain a diverse range of credit types for a well-rounded profile.
Fewer inquiries
Limit credit applications to prevent score decreases.

Frequently asked questionsEverything you need to know about Sencha business credit scores.

What is a business credit report and why is it important?

A business credit report shows how well a business handles its financial obligations. It's crucial because lenders use it to assess a company's financial health and credibility.

How does business credit differ from personal credit?

Business and personal credit scores are separate. Business credit scores impact how lenders and partners view your company. Unlike personal scores, business scores are public and accessible to anyone.

What information does my business credit report show?

For established businesses, the report includes your company credit score, trade payment history, public records (like liens and bankruptcies), inquiry details, and comparative industry data.

How can I access my business credit score and report?

Sign up with Sencha to access your business credit score and report for free.

Is my free business credit report on Sencha accurate?

Yes, we combine data from three major business credit bureaus to generate a reliable proprietary score. You can also view a summarized version of your scores and reports.

How can Sencha help me improve my business credit?

Sencha provides free access to your business credit score, summary, and monitoring, empowering you to track, understand, and enhance your credit health effectively.

Can I trust Sencha's business credit services?

Absolutely, Sencha aggregates data from reputable sources to provide accurate and reliable business credit information, helping you make informed financial decisions.

The Business Credit Hub.

CompanyAbout us
Terms of use
Privacy policy
ProductsCapitalAnalytics
Insights
Business credit
ResourcesBlogPartnershipsBusiness Guide