What is a good business credit score?
A good business credit score depends on which score you mean: on Dun & Bradstreet's PAYDEX scale (0-100), 80 or above is good, signaling you pay on time or early. On Experian's Intelliscore (1-100), 76+ generally indicates low risk. And for SBA lending, a FICO SBSS score of 165+ is the threshold commonly used for smaller 7(a) loans. If your scores fall short of these marks, you're not locked out of funding, but not knowing where you stand means you can't choose the right lender, and applying blind wastes time. Quordx Capital matches you with lenders suited to your actual profile, whatever the number says.
This guide is part of our full library on Business Loans. Start there for the complete lineup, then come back for the deep dive on your situation.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
The Three Business Credit Scores That Matter
PAYDEX (Dun & Bradstreet, 0-100): Built almost entirely on payment timeliness reported by vendors and creditors. 80 means you pay exactly on terms; above 80 means you pay early. Suppliers check this score before extending net terms.
Intelliscore Plus (Experian, 1-100): A risk-prediction score using payment history, credit utilization, and public records. Scores of 76 or higher sit in the low-risk band most lenders prefer.
FICO SBSS (0-300): A blended score combining business and personal credit data. It matters most for SBA loans: 165+ is the common benchmark for smaller 7(a) deals.
One important reality check: for most small business loans, lenders still weigh your personal credit score and your revenue more heavily than any business score. A strong PAYDEX helps, but bank statements showing healthy deposits often help more.
What You Can Qualify For at Different Levels
Business term loans: ($10K-$500K+): Best for established businesses with solid personal credit and steady revenue; strong business credit improves pricing.
SBA loans: (up to $5M): Best for the lowest long-term cost if your SBSS clears 165 and personal credit sits around 650+.
Working capital loans: ($5K-$500K): Best when scores are still building; revenue-based approvals start around 500-550 personal credit.
How Quordx Capital Works
Instead of guessing which lender fits your score, you complete one application in about five minutes. Quordx Capital's platform analyzes your full profile, credit, revenue, time in business, and surfaces 3-7 best-fit lenders from a 50+ lender network, ranked by approval probability. Decisions usually come back in 24-48 hours; funding follows in 3-7 business days.
What to Expect
Expect a straight answer about where you stand. If your scores qualify you for bank-grade pricing, you'll see those options; if not, you'll see what's realistically available now and what it costs, no sugarcoating. There are no fees to borrowers, no obligation to accept any offer, and asking costs nothing.
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No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
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