How to Check Your Business Credit Score for Free
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How to Check Your Business Credit Score for Free
You’ve probably checked your personal credit score more times than you’ve checked the fridge during a midnight snack hunt. But your business credit score? That’s often forgotten—until a lender brings it up.
Checking your business credit score is easier (and cheaper) than you think. In fact, you can do it for free—yes, even without sacrificing your email to the spam gods.
Why Should You Check Your Business Credit Score?
- Catch errors early (they happen more than you’d think)
- Track your credit-building efforts
- See what lenders and vendors see
- Prepare before applying for loans
Where to Check Your Business Credit Score for Free
1. Nav.com
- Offers a free summary of your business credit (Experian and Dun & Bradstreet).
- Easy dashboard, and they even give you a “business health” grade.
2. Dun & Bradstreet (D&B)
- Get your free D-U-N-S number, which starts your business credit file.
- Use CreditSignal to get alerts when your PAYDEX score changes.
3. Experian Business
- Offers limited access for free, plus basic business profile data.
4. Equifax Business
- While mostly pay-to-play, you can get access through some banks or during promo periods.
What Scores Should You Expect?
- PAYDEX Score (D&B): Based on payment history, ranges from 0–100.
- Experian Intelliscore: Combines tradeline data and public records.
- Equifax Business Score: Includes risk prediction modeling.
A score of 75+ on PAYDEX or 80+ on Experian = excellent.
How Often Should You Check?
- Once per quarter is smart.
- Before applying for financing = essential.
- If something feels off (like a supplier being weird about terms), double-check.
How to Spot Errors
- Wrong company name or EIN
- Old addresses
- Missing tradelines
- Late payments that were actually on time
Dispute inaccuracies directly with the bureau—they’re usually responsive (surprisingly).
Need Help Understanding What It All Means?
Credit reports can feel like reading ancient runes. Viking Funding can help interpret them and guide you to funding solutions that match your current credit picture.
Call Viking Funding at 754-240-8620 or click the “Apply Now” button to get started. Your business deserves funding—even if your score isn’t perfect.
Why Choose Viking Funding?
Fast & Flexible
Perfect for businesses that need fast cash for 3-24 months with high approval rates and the best terms.
Founded by Industry Professionals
Our specialized focus on Merchant Cash Advances (MCAs) sets us apart. We keep our deep understanding of small business challenges with our passion for helping entrepreneurs thrive.
Incredible Service
Our dedicated team is passionate about helping you navigate the ever-changing business landscape, providing ongoing support and guidance whenever you need it.
A Reputation You Can Trust
★★★★★
Frequently Asked Questions
Viking Funding offers a diverse range of financing options for business owners across the nation. We specialize in Revenue Based Financing, where businesses can borrow based on their monthly revenue. Additionally, we provide business lines of credit, business term loans, and SBA Loans, tailored to meet the specific needs of your business.
Viking Funding works with businesses in all industries, understanding that each sector has unique challenges and financing requirements. Whether you’re in manufacturing, retail, services, or any other industry, we have the expertise to support your business goals.
The qualification requirements vary by the type of financing:
Revenue Based Financing: At least 6 months in business, a business bank account, and 4 months of bank statements showing an average revenue of at least $20,000 per month.
Business Lines of Credit, Term Loans, and SBA Loans: A personal credit score of 700 or above is required, along with the last 2 years of most recent tax returns for the business, a profit and loss statement, and a balance sheet.
Why Wait?
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