How to Improve Your Business Credit Score Fast

Running a business is like juggling flaming swords on a unicycle—you’ve got to stay balanced or risk burning everything down. And if you’re trying to get funding, your business credit score is one of those swords. The higher your score, the more funding options you unlock (and the less interest you pay—hallelujah!).

Let’s get that score climbing fast—like express elevator fast.

Why Does Your Business Credit Score Matter So Much?

Think of it as your business’s reputation with lenders. A solid score means:

• Lower interest rates
• Higher approval odds
• Bigger loan amounts
• More trust from vendors and suppliers

For small and micro businesses, it can be the difference between “Approved!” and “Sorry, not today.”

5 Quick Ways to Boost Your Business Credit Score

1. Pay Vendors Early (Not Just On Time)

Speed pays—literally. Many business credit bureaus (like Dun & Bradstreet) give extra points for early payments.

Pro tip: Set payment reminders a few days before due dates.

2. Build Trade Lines with Credit-Reporting Vendors

Not all vendors report to credit bureaus. But when they do? It’s free credit building every month.

• Look for net-30 or net-60 vendors that report to bureaus
• Even office supply vendors can help (who knew ink cartridges were credit gold?)

3. Separate Business from Personal (No Co-Mingling!)

If you’re using your personal credit card for business tacos, stop right there.

• Get a business bank account
• Apply for a business credit card
• Grab a D-U-N-S number if you haven’t already

4. Keep Credit Utilization Under 30%

High usage = risk in the eyes of lenders.
Keep those balances low to look like a cool, responsible financial grown-up.

5. Dispute Any Errors on Your Business Credit Report

Incorrect info can tank your score. Check your report quarterly and dispute anything that smells fishy.

What to Avoid (Seriously, Don’t Do These)

• Applying for too many credit lines at once
• Closing old accounts (they help with credit age!)
• Ignoring your score and hoping it fixes itself

How Fast Can You See Results?

Many businesses see improvement in 30 to 90 days with consistent effort. Your score won’t triple overnight, but it can absolutely go from meh to magnificent with the right moves.

Need a Boost with Business Credit?

Viking Funding specializes in helping small and micro businesses just like yours level up their credit profile and get access to the funding they deserve. Whether your score needs a little nudge or a complete makeover—we’ve got options.

Call Viking Funding at 754-240-8620 or click the “Apply Now” button to get started. Let’s get your credit score glowing.