Look at your business credit score, payment history, credit utilization, company profile, and any UCC filings or public records. Scores typically range from 0–100 or 1–5 and higher means lower risk.

Reports include: business name, address, industry classification (NAICS/SIC), payment history, tradeline data, credit limits, balances, public records (liens, judgments), and UCC filings.

You can file a dispute directly through each credit bureau’s website (e.g., Experian, Equifax, D&B). Provide documentation to support your claim, and they will review and update if valid.

Check it at least once a month. Frequent monitoring helps catch errors early and track improvements or changes.

Open business credit cards, set up vendor accounts that report to credit bureaus, pay all bills early, and register with reporting agencies like Dun & Bradstreet.

Pay on time or early every billing cycle. Even one late payment can lower your score significantly.

It gives access to lines of credit, business loans, and vendor terms, which can help manage cash flow and maintain operations when costs rise.

Yes. It allows you to defer payments, access short-term funding, and maintain liquidity without using personal funds.

Banks: Lower rates, stricter requirements. Credit unions: Competitive terms, member-focused. Alternative lenders: Faster approval, higher rates, less paperwork.

Choosing the wrong funding option can hurt your cash flow, increase costs, and limit future financing opportunities. It’s not just about picking what’s available—it’s about aligning the right funding with your business needs, goals, and repayment capacity. There are also other funding options beyond these three that might be a better fit for your situation. This is why you need an expert who can analyze your business needs and guide you to the best funding solution.