Business credit & monitoring
Organize the credit factors lenders review.Track and build your business credit across authorized bureau data when available, uploaded records, and clearly labeled estimates. See which factors hold you back and get the specific moves that raise your file before you apply.
Free to use. Joining, building your file, connecting a bank, being scored, being routed to every funder whose rules you fit and comparing the offers that come back all cost nothing: no subscription, no advance fee, no invoice before funding. Financing partners pay us on funded deals and card issuers pay on approved accounts. Whatever our compensation is on your deal is printed on the offer, in dollars, before you accept it.
What business credit & monitoring asks of you
Who qualifies, what a funder wants to see, the ranges to expect, and the order it happens in.
The checklist below, already half answered. Anything the connected account proves is never asked for on paper.
Owners getting a file ready to be reviewed, including new EINs with no bureau history and businesses with thin or damaged trade credit.
- Any registered business with an EIN can start
- Bureau data connects only where you authorize it
- No minimum revenue or time in business to begin
- EIN and business registration
- Any bureau reports you already hold
- Vendor and trade payment history
- Current loan and card statements
- PAYDEX lenders like
- 80 or higher
- FICO SBSS many look for
- 155 and up
- Time to see movement
- 30 to 90 days
- Start a free profile and connect your records
- See the factors that weigh your file down
- Work the specific moves that lift each factor
- Re-check the file before you apply
- Pull authorized bureau data where you connect it, and read the records and statements you upload
- Label every value by source and confidence, so an estimate never reads as a verified score
- Show which factors weigh your file down and the specific moves that change each one
- The bureaus own the score; we report it, we do not set or repair it
- The funder makes the credit decision on the file you bring
- A specific score or approval is never something we can promise
- Experian Business
- Equifax Business
- Dun & Bradstreet PAYDEX
- FICO SBSS
- No live bureau connection is wired yet, so a score comes from data you authorize, records you upload, or clearly labeled estimates, never an invented number
- Business credit moves slowly; reported changes usually take 30 to 90 days and no one can guarantee a number
- Anything we cannot verify is shown as unknown, not filled in
- This is not legal, tax, or credit-repair advice
Funding routes depend on your consent, the file review, and lender availability. Final terms always come from the lender.
Start with the free front door
Start with a free profile. The platform shows likely paths, missing evidence, and the numbers behind each option before you apply.