What Credit Score Does a Business Start With?

Unlike individuals, businesses do not start with a credit score. Instead, a business credit score is developed over time based on the business’s credit history and financial behavior.

When a business first starts operating, it will have no credit history, which means it will not have a credit score. However, as the business begins to establish credit accounts with suppliers, lenders, and other creditors, it will start to build a credit history.

Once the business has established a credit history, credit reporting agencies such as Dun & Bradstreet, Experian, and Equifax will begin to collect and compile data about the business’s creditworthiness, payment history, and other financial behaviors. This information is used to generate a business credit score, which can range from 0 to 100.

It’s important for business owners to monitor their business credit scores regularly and take steps to improve them if necessary, as a strong credit score can help a business secure better financing terms, lower interest rates, and more favorable payment terms from suppliers.