Business Credit Score – Virtous Funding

Free Business Credit Score

Check your business credit score with no cost and no impact to your credit history.

Business Information

Business Legal Name

Legal Business Entity

Business Address

City

State

Zip Code

First Name

Last Name

Email Address

Phone No

Time in Business

Revenue

Business Legal Name

Legal Business Entity

Business Address

City

State

Zip Code

First Name

Last Name

Email Address

Phone No

Time in Business

Revenue

By checking this box, you, individually and on behalf of the business entity identified above: (1) consent to OnDeck contacting you via email and telephone (including your cellular phone number) at the telephone number and email address identified above (or any telephone number or e-mail address that you may provide OnDeck in the future) for marketing and other purposes. By checking this box, you, individually and on behalf of the business entity identified above: (1) consent to OnDeck contacting you via email and telephone (including your cellular phone number) at the telephone number and email address identified above (or any telephone number or e-mail address that you may provide OnDeck in the future) for marketing and other purposes.

Free and Secure

Receive your business credit score within a few business days. No cost, no strings attached.

Backed by Equifax

Your score is sourced directly from one of the leading business credit bureaus.

No Setup Needed

No account creation required—submit your information, and we’ll take care of the rest.

What is a strong business credit score?

A business credit score offers insight into your company’s financial stability and helps lenders, vendors, and potential partners gauge how reliably your business fulfills its financial obligations.

In most cases, this score is independent of your personal credit, though certain scoring systems—like FICO® Small Business Scoring Service—may consider personal credit as well. Generally, business credit bureaus base your score only on accounts opened under your business name. Factors that can affect your score include payment history, credit usage, public records, and business-specific details such as company size, industry, and length of operation.

Why tracking your business credit score matters

Your business credit score reflects the financial health of your company and can guide smarter decisions. By knowing your score, you can better prepare for growth, secure financing, and manage opportunities with confidence.

Here’s how understanding your score benefits your business:

Improve financing options: A higher credit score can make it easier to qualify for term loans, lines of credit, or other funding.
Negotiate favorable vendor terms: Businesses with strong scores often gain lower interest rates, larger credit limits, and better payment arrangements.
Potentially lower insurance costs: Some insurance providers use business credit scores when calculating premiums.
Stay alert to discrepancies or fraud: Regular monitoring can help identify errors or suspicious activity before they escalate.

Keeping track of your business credit score gives you the insight needed to plan effectively, pursue growth, and strengthen your company’s financial standing.

What is a good business credit score?

Each of the business credit bureaus uses their own unique scale — so there’s not an agreed-upon number that is a “good” business credit score. Generally, a higher score signifies a lower credit risk, which can be a big benefit for your business.

Business Credit Score FAQs

What is a business credit score?

A business credit score is a numerical representation of your company’s creditworthiness. It helps lenders, suppliers, and other partners evaluate how reliably your business manages financial obligations and repayment behavior.

How is a business credit score different from a personal credit score?

Your business credit score is usually separate from your personal credit history and is based on business accounts and activities. Certain scoring systems may consider personal credit factors, but most business credit reporting focuses on your business accounts, payment patterns, and financial behavior.

What factors influence a business credit score?

Several elements can affect your business credit score, including:

Payment history and timeliness
Amount of available credit you’re using
Public filings such as liens or bankruptcies
Business-specific information like how long you’ve been operating, your industry, and company size

Why does my business credit score matter?

A strong business credit score can help your company qualify for financing, secure favorable terms with lenders and vendors, and demonstrate financial responsibility to partners. It gives you leverage in negotiations and improves your access to resources that support growth.

Can checking my business credit score hurt it?

No — when you check your own business credit score, it is typically considered a soft inquiry and does not impact your score. This lets you monitor your credit health without any negative effect.

How often should I monitor my business credit score?

Regular monitoring—such as monthly or quarterly—is recommended. It helps you track improvements, catch errors early, and stay on top of changes that could impact your ability to secure funding or business partnerships.

Can improving my business credit score help my financing options?

Yes. Strengthening your business credit score may lead to better financing opportunities, such as higher credit limits, improved terms, and potentially lower interest costs. It also signals stronger financial stability to lenders.

Free Business Credit Score

Business Information

Free and Secure

Backed by Equifax

No Setup Needed

What is a strong business credit score?

Why tracking your business credit score matters

What is a good business credit score?

Business Credit Score FAQs

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