What Is a Good Business Credit Score?

Good business credit is crucial to running your own business. 

But what exactly constitutes a good business credit score? How do you know if you’re on track or what to do if you find that your score is lower than it needs to be? 

In this guide, we’ll take a closer look at the various score ranges for each type of credit score and the right habits you need to cultivate to keep your score high.

What Is a Good PAYDEX Score?

No two business credit scores will necessarily be the same or influenced by the same factors. This is due to there being multiple business credit bureaus you can turn to if you want to look at your credit scores or your credit report. 

One such option at your disposal is Dun & Bradstreet. 

The Dun & Bradstreet PAYDEX Score features a score range of anywhere from 0 to 100. PAYDEX is typically used by vendors and suppliers to help them determine what level of risk you are and what terms to extend for trade credit (important for a business tradeline). 

While other scores will take more factors into consideration, Dun & Bradstreet calculates your PAYDEX Score based on your payment history. 

Here’s the breakdown of the different score types and what they mean in relation to your PAYDEX Score. 

PAYDEX Scores

PAYDEX Score:	Explanation:
100	Payment occurs 30 days before due date
90	Payment occurs 20 days before due date
80	Payment occurs on due date
70	Payment occurs 15 days after due date
60	Payment occurs 22 days after due date
50	Payment occurs 30 days after due date
40	Payment occurs 60 days after due date
30	Payment occurs 90 days after due date
20	Payment occurs 120 days after due date
1-19	Payment occurs over 120 days after due date

A good score or a “low risk” score is anywhere from 80 to 100, with 50 to 79 being medium risk and anything below it being high risk. 

What Is a Good Intelliscore Plus Score?

Given Experian’s reputation in the consumer credit space, it stands to reason that they’re one of the authorities to consider if you need help understanding and boosting your business credit score.

Whereas Dun & Bradstreet’s credit score rating model is rather simplified, Experian’s involves several factors to determine your credit score. 

Experian’s Intelliscore Plus takes into consideration your payment history, any negative factors available surrounding your business (bankruptcy, late payment trends, collections, etc.), and credit utilization. 

Intelliscore Plus also features a score range between 1 to 100. Here’s the breakdown of Intelliscore Plus credit scores. 

Intelliscore Plus Ranges

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Score Range	Risk Grade	Risk Description	Bad Rate
76 – 100	1	Low	1.7%
51 – 75	2	Low-Medium	4.4%
26 – 50	3	Medium	10.0%
11 – 25	4	Medium-High	19.1%