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What is a good business credit score?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Business credit scores use different scales than personal FICO. Dun & Bradstreet PAYDEX: 80+ is good, 100 is best (pays early). Experian Intelliscore: 76-100 is good. FICO SBSS: 160+ is good, 200+ excellent (used by SBA). Build business credit by paying vendors early and maintaining low utilization.

Key Details

  • D&B PAYDEX: 80+ good, 100 excellent
  • Experian Intelliscore: 76-100 good
  • FICO SBSS: 160+ good, 200+ excellent
  • SBA SBSS minimum: 155
  • Build by paying vendors on-time/early
  • Takes 6-12 months to build

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Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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