Frequently asked questions
- What is the Bankability Score?
- A single 0–100 number that summarises how a lender is likely to see your business today. It folds in your Foundation completeness, personal FICO band, business revenue, bureau coverage, and tradeline depth. No sub-scores — one number, one view.
- What is the Bankability Foundation?
- The compliance basics every legitimate business needs before underwriters take it seriously: federal EIN, commercial address, business bank account, 411 phone listing, professional email, business website, and open files at the three business credit bureaus.
- Do you pull my personal credit?
- Soft inquiries only when you sign up — they don't affect your personal score. Hard pulls only happen when you apply for a tradeline or lender we match you to, and only after you explicitly authorize it.
- Which credit bureaus do you cover?
- Experian Business, Dun & Bradstreet, Equifax Business, and Creditsafe.
- Is this for new businesses?
- Yes. Biz2Cred is built for businesses that are still building their file — either freshly formed or established but with a thin bureau presence.
- How do you make money?
- Monthly subscription only. We do not take affiliate kickbacks from lenders or tradeline vendors in a way that biases your matches — see our methodology page.