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Our mission is to empower entrepreneurs to achieve their biggest business goals with proper funding. We help business owners find the credit, capital, and support needed to establish and grow a thriving business.
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The Dun and Bradstreet PAYDEX Business Credit Score
“Your business credit is an investment in your company’s future—build it wisely.” - Frances Frazier
The main credit score used in the business world is the PAYDEX score from Dun and Bradstreet.
This number assesses a business’s lending risk. It is much the same as a consumer credit score reflects a consumer’s individual credit risk.
PAYDEX is more or less the business equivalent of your personal credit score.
The exact definition from Dun & Bradstreet is: The D&B PAYDEX® Score is D&B’s unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to D&B by various vendors.
There are many BIG differences between a business PAYDEX credit score and an individual FICO consumer credit score.
Consumer FICO credit scores range from 350 – 850. The PAYDEX Score ranges from 0 – 100. 100 is the highest score you can get.
Individual credit scores come from several factors.
The PAYDEX score comes from one single factor. It’s if a business makes prompt payments to its suppliers and creditors within the agreed upon terms of payment.
Most lenders and suppliers are looking for a score of 70 and higher. A score of 80 or better is very good.
If you own a business, your PAYDEX score is essential in establishing new credit and continuing to build credit limits exceeding $100,000.
It only takes 60 days to establish a positive PAYDEX credit score. First apply for a DUNS Number. This is a nine digit business identifying number with Dun and Bradstreet.
Once your DUNS number is established you should next find a merchant who will extend you credit and then report that credit to Dun and Bradstreet.
Once you have positive business credit report to Dun and Bradstreet you will have a positive PAYDEX score established.
Then apply for more business credit and use it often. Make sure you pay back early to raise your scores to 80 or higher.
You can easily and quickly establish a positive PAYDEX credit score.
As you continue to pay your bills on time, your scores will continue to raise. This makes it possible to qualify for credit in your business name.
For more information on business credit scoring and building business credit, visit www.serenityfinancials.com.
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Testimonials
Real results from business owners just like you
Cheryl Reisner, a former bank lender from Shreveport, Louisiana. The suite’s business credit building process unlocked more funding options than she ever imagined, opening up new possibilities for her business. Cheryl believes every business owner can benefit from the Business Finance Suite, as it revolutionizes how they operate.
Louis, a Miami-based business owner found success using the Business Finance Suite, which helped establish a business credit profile. This enabled them to apply for funding without using their Social Security number, eliminating personal liability for credit applications. The speaker highly recommends this program to fellow business owners.
Edward from El Paso, Texas, struggled to secure funding for his small businesses until discovering the Business Finance Suite. Within a month, the suite helped set up his business correctly, establish trade lines and revolving credit, and now he’s on track to receive funding. Edward guarantees it’s worth the investment and only wishes he’d found it sooner.
