While PAYDEX (Dun & Bradstreet) measures payment history, there are other business credit scores from different bureaus that many lenders weigh equally or even more heavily:

Dun & Bradstreet

PAYDEX (0–100) → Payment history with vendors.

D&B Delinquency Predictor Score → Likelihood of late payments.

Financial Stress Score → Risk of business failure within 12 months.

Supplier Evaluation Risk Rating → Used for B2B trade credit decisions.

👉 Lenders look for PAYDEX 80+, low delinquency risk, and low financial stress.

Experian Business

Intelliscore Plus (0–100) → Predicts likelihood of serious delinquency.

76–100 = low risk (best tier)

51–75 = moderate risk

Below 50 = higher risk

Blended Score (Personal + Business) → Some lenders use this for small businesses.

👉 A strong Intelliscore of 76+ is often required for higher credit limits or no-personal-guarantee lines.

Equifax Business

Business Credit Risk Score (101–816) → Likelihood of severe delinquency.

Business Failure Score (1000–1880) → Probability of business failure in 12 months.

👉 Scores above 600 are generally considered good; 700+ is strong.

Lenders love seasoned businesses.

Age>Lender View

0–6 months “New — higher risk”

6–12 months “Emerging — some credit possible”

1–2 years “Establishing — can qualify for LOCs and fintech”

2+ years“ Seasoned — eligible for larger bank loans and SBA funding”

👉 Even if your PAYDEX is strong, a brand new business will typically only qualify for Net 30s, secured cards, or low-limit fintech lines initially.

But if you buy a seasoned shelf corp (properly), or if your entity ages naturally, it increases your funding potential dramatically. If this is of interest, get in touch.

Lenders like to see:

Multiple active tradelines (5–10+ is ideal)

A mix: vendor credit, revolving credit, fleet cards, possibly loans or leases

Active reporting over time

👉 A PAYDEX of 80 with only 3 tradelines is less impressive than 80 with 12 tradelines across multiple bureaus.

Many modern lenders (especially fintech) rely less on tax returns and more on cash flow analysis.

Typical metrics they consider:

Monthly revenue (e.g., $5k+/mo is a common threshold)

Consistent cash flow (no major dips)

Bank statements (3–6 months)

Debt service coverage ratio (DSCR)

👉 For fintech lines like Brex, Divvy, or BlueVine, strong cash flow can even override weak credit scores.

Lenders (especially traditional banks) love to fund businesses that:

Bank with them already

Maintain decent balances

Have clean, consistent bank statements

👉 A seasoned business bank account (6+ months old) with regular deposits builds a “soft relationship credit” that plays into funding decisions.

Underwriters and automated systems will check for:

Bankruptcies

Judgments

Liens

UCC filings (existing loans against business assets)

Corporate good standing

👉 Clean public records boost your credibility. Multiple liens, lawsuits, or inconsistencies raise flags fast.

One of the biggest silent killers of business credit approvals is inconsistency across public records.

Lenders often cross-check:

Business legal name

Address

Phone number

Website

EIN & D-U-N-S

👉 If your business is “ABC Consulting LLC” in one place and “ABC Global” somewhere else, or addresses don’t match, automated systems may flag your file.

While you can build credit without using your personal SSN or PG, many higher-limit or bank-issued credit products still consider:

Personal FICO (usually 650+)

No major delinquencies

Debt-to-income ratios

👉 A strong personal credit score can accelerate approvals, but is not required for vendor credit, fleet cards, or some fintech lines.

Some industries are automatically flagged as “high risk” by lenders, regardless of credit.

Examples:

Real estate investing

Adult entertainment

Financial services / credit repair

Cannabis

Certain construction trades

👉 If your business falls into these, funding may require stronger credit or specialized lenders.

Lenders may give more weight to:

Corporations or LLCs vs. sole proprietors

Trust-owned or layered structures (if well-documented)

Collateral (for secured lines — e.g., equipment, receivables, real estate)

👉 Some funding programs even prefer asset-heavy businesses, while others focus purely on credit + cash flow.