When you apply for the top business credit cards and small business loans, you’ll need to already have an established credit history in place, with many underwriters doing hard pulls at both DNB and Experian Business.
Vendors who report to Dun & Bradstreet include their payment experience. which is how your D&B PAYDEX score is calculated. To reach a score of 80, you must pay all your net 30 invoices on time. If you pay your bill early, however, your PAYDEX score can go as high as 90 to 100, which will make alternative lenders and banks more open to offering your business credit.