What credit bureaus do business lenders use?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Business lenders typically pull personal credit (Experian, Equifax, TransUnion) plus business credit (Dun & Bradstreet, Experian Business, Equifax Business). Larger lenders also pull FICO SBSS scores. Alternative lenders mostly use personal FICO; banks check business credit reports thoroughly. Pull all three personal bureaus for full visibility.

Key Details

  • Personal: Experian, Equifax, TransUnion
  • Business: D&B, Experian Business, Equifax Business
  • SBA uses: FICO SBSS score
  • Alternative lenders: mostly personal FICO
  • Banks: thorough business credit check
  • Hard pull: 5-10 point temporary impact
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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