Manage My Business Credit

  • CreditBuilder™: Add good payment history to impact your D&B® scores
  • CreditMonitor™: Monitor your credit file in real time with detailed info about changes to your D&B scores
  • CreditSignal®: Receive free alerts to changes in your D&B business credit file

Manage My Business Credit For Me

Monitor Another Company's Credit

Not sure which product is right for your business?

Our Credit Advisors are standing by

to assess your needs and help point
you in the right direction.

Call Today Call 800-700-2733

Ask about our Concierge service.

Business Directory

Business Services

  • VERIFIED™: Get your business data VERIFIED™ to help protect your business identity online
  • Business Shield: Helps protect your company by alerting you to potential warning signs of business identity theft
Help manage your
business identity and

Let us distribute your VERIFIED
to up to 90% of US
consumers searching online.

Call Today Call Today! 800-700-2733

Sign up for FREE today!
Help protect your business identity against inaccuracies and business misrepresentation online and across social media properties
Get it now text

Enterprise Solutions

If your company is looking for a custom enterprise data solution, contact us at
1-800-264-0947 or
Lead Advisor
Better Data, Better Results
Whether you're a list professional or a first-time marketer, our lead experts will work with you to help you target, segment, and select the list most likely to work for you. Learn More.
Call today 1-855-455-8039

Free D-U-N-S Services

Expedited D-U-N-S Services

  • Small Business Starter™: Promote your business online and get an expedited D-U-N-S and business credit file
  • DUNSFile™: Get a D-U-N-S and basic business credit file in 5 business days or less
Company Update
Update your company info today. It's free!
Review and update your existing D&B® credit report, dispute inaccuracies, add financial statements, and review public filings.

Don't have a D&B report? Get your FREE
D&B D-U-N-S now.
Get Started

How to Successfully Decrease a Revolving Business Credit Agreement

Reducing the Amount You Can Borrow May Help Make Financial Management Easier

Reducing line of credit amountA revolving line of credit can be a valuable asset for a small business. But, in some cases, a lender may grant more credit than the borrower is comfortable having. Having access to so much easily-attainable cash may be too tempting for the entrepreneur to resist, especially when they know that their company can’t really afford the debt. In these types of cases, it may make better sense for the entrepreneur to decrease their revolving business credit agreement.

Important Considerations

Before you request a decrease in your credit limit, careful consideration should be made regarding how the decrease will affect your business credit. Since credit-to-debt ratio weighs heavily on a business’s credit score, reducing the amount of available credit could have negative consequences on the company’s overall credit score.

Reducing the Credit Limit Online

If your business uses online banking, then depending on your bank, you may be able to make the request online through the bank’s website. Since no credit approval is needed for a reduction in a credit line, the process is generally straightforward. If you do not use online banking or your bank does not offer this option online, then you will have to contact the bank the old fashioned way – either in person or over the phone.

Contact the Bank Directly

If you call or visit your bank directly, then you are going to want to speak with the agent who is responsible for managing the business line of credit accounts. Once you get the correct person, you can submit the request for your credit line to be reduced. The bank agent will more than likely inquire as to why you want to reduce the amount of available credit, but you are not obliged to tell them if you do not want to disclose the reason.

Get the New Terms in Writing

Any time your business undergoes a change in its credit limit or terms, it is important to keep a record of the change. When your revolving business credit limit is reduced by your bank, make sure you receive documentation of the change along with the credit line’s updated terms. In most cases, the bank will approve the reduction without trouble and keep the line of credit’s interest rate and amortization schedule the same, but it remains important to get the entire agreement in writing.

Dave Donovan


Dave Donovan has written extensively for the web with a primary focus on articles targeting finance and business.