Business Credit Guides | BusinessCapital.com

Guides

What Lenders Look for in Your Business Credit Report

Henry Pershin
May 7, 2025 •6 min(s) read

Lenders don’t just see a score, they see a story. Learn how payment history, credit use, and financial habits shape your business’s credit score.

How to Build & Improve Your Business Credit Score

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Call Us 877-400-0297
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Florida Office (HQ): 5201 Ravenswood Rd., Suite 103
Fort Lauderdale, FL 33312

BusinessCapital.com is a direct lender helping small businesses nationwide get the funding they need to grow. With over $5 billion funded to U.S. businesses and an A+ BBB rating, we offer an easy online application and same-day decisions — making business funding fast, simple, and stress-free.

*Same-Day Funding availability varies by state. Eligible applications must be submitted Monday-Friday before 10:30 AM EST. Applying for business funding won't impact your personal credit score. However, accepting an offer may result in a hard credit inquiry, depending on the product selected.

*Fund receipt time varies by product, with some as quick as 24 hours, though longer periods may apply.

*Depending on your state and application details, a minimum initial draw of $1,000 may be required.

*All loans are subject to lender approval.

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Business Credit