Understand your business credit score, for free.
Unlock your business credit score with ease. Know where your business stands, and what it takes to keep growing.
Most business owners have no idea this number exists.
Your business has its own credit profile — completely separate from your personal score. Lenders check it. Suppliers check it. Most owners only find out once it's already working against them.
Small business loans rejected with poor business credit as the primary factor. Knowing and growing your number is the solve.
Start for free, no hard inquiry
Everything you need to know about your business credit — in one place.
Business Credit Score
Powered by Equifax, updated monthly. The exact score lenders see when you apply for financing.
Score Insights
Understand what's driving your score and what to do about it. Actionable insights and helpful answers.
Trend Tracking
Track your growth over time, and pair it with our cash flow insights to see how lenders view your entire business.
Three steps. Two minutes.
Zero impact on your score.
Create your free account
Just your name, email, and business EIN. No credit card, always start for free.
We partner with Equifax
Soft inquiry only. We pull your credit score from the bureau most trusted by small business lenders.
Your score is live
Monitor your business credit score, dig into insights driving it, go further with cash flow insights.
Start free. Know it's right for you.
The first two months are completely free — not a teaser. Upgrade on month three to keep access to your credit health dashboard. Soft inquiry only, never hurts your credit score.
Start free. First two months at $0.
After that $14.99/month
- → Business credit score from Equifax
- → Email alerts on changes
- → Ask our AI credit companion anything about your score
- → See the full picture with cash flow insights
Customer testimonials
“Tento gave us access to two things: our credit data that we didn't know existed and a path to boost our score to qualify for better financing.”
— Rachel K.
Reviewed on Google
See what lenders see, and move confidently towards your business goals
Start for free. No hard inquiry. No credit card.
A business credit score is a number — similar to a personal credit score — that reflects the creditworthiness of your business. It's based on your business's payment history, debt levels, and other financial behaviors. Lenders, suppliers, and partners use it to evaluate your business.
Your business credit score is really a tool that can help you grow if you use it properly. Here are three ways you can use it to benefit your business:
Securing Financing: Most lenders check business credit before approving loans. A strong credit score can mean higher approval odds and better loan terms, including lower interest rates.
Negotiating Payment Terms: Vendors often assess creditworthiness to determine whether you qualify for favorable terms, like Net 30, 60, or 90. Poor credit could mean upfront payments or stricter terms.
Building Credibility: A solid credit score signals financial stability, which can open doors to stronger partnerships and long-term collaborations.
Yes. Getting your score is free with Tento for the first two months. On month three, we'll ask you if you want to upgrade to keep access to your monthly score update and credit insights dashboard.
No. Tento uses a soft inquiry to pull your business credit score. Soft inquiries do not affect your score in any way. You can check as often as you'd like.
Business credit and personal credit are distinct types of credit profiles that serve different purposes and are evaluated using separate criteria. In short, business credit tracks the creditworthiness of a business entity, reflecting its financial health, debts, and financial obligations whereas personal credit assesses those same factors about an individual. To learn more about the differences between personal and business credit, check out this article: The Difference Between Personal and Business Credit
Your business credit score through Tento is updated monthly through our partnership with Equifax. You'll receive email alerts when your score changes so you always stay informed. If you're looking for more frequent updates, let us know at hello@tento.co
We recommend business owners anchor to a score of at least 750. This recommendation is based on what we are seeing when it comes to lender approvals.
Like personal credit, improving your business credit takes time so don't expect overnight changes. However three things you can do to improve your score are:
Unlike personal credit, where Equifax, Experian, and TransUnion dominate, business credit is reported by a separate set of bureaus — and most small business owners don't realize they're being tracked by more than one.
Equifax Business pulls from a mix of lenders, suppliers, and public records to generate a business credit risk score. It's one of the most widely used by commercial lenders when evaluating loan applications, which makes it a meaningful number to monitor.
Experian Business (also called Intelliscore Plus) scores businesses on a 1–100 scale and is commonly used by vendors and suppliers deciding whether to extend trade credit.
Dun & Bradstreet issues a PAYDEX score, also on a 1–100 scale, based primarily on payment history with vendors who report to D&B. One catch: you have to actively register for a D-U-N-S number to get started, and not all lenders weight this score heavily.
FICO SBSS (Small Business Scoring Service) is worth knowing about even though it's not a bureau — it's a composite score used by the SBA and many banks that blends your business and personal credit history together.
The important thing to understand is that these bureaus don't automatically share data with each other, so your scores can vary significantly across them. Tento monitors your Equifax business credit score — the one most relevant to lenders evaluating you for equipment financing and business working capital.
It can be tough to secure a small business loan with a low business credit score, but it always depends on the lender's appetite for risk and the impact of other signals that they may consider, like your business' cash flow health.
Tento pulls your business credit report from Equifax, and provides you a trusted dashboard with an AI companion to explain your score and give deeper insights. We are focused on helping small business owners get access to the knowledge they need to grow their business with confidence.
If you connect your business bank account through Plaid in your Tento dashboard you will get access to a set of cash flow charts, designed to give you a quick glance of your cash flow trends. Seeing these alongside your business credit insights is helpful to see the full picture of your business – historical and current.