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Why You Can’t Afford to Ignore Your Business’s Credit Rating

Ignoring-bsiness-creditSome small-business owners regard having excellent business credit as a luxury: nice to have, but not a necessity. Others know that their businesses would benefit from having excellent credit, but are unsure of how to begin establishing it, or feel that they have too many other pressing matters to address. Sure, they intend to build business credit, but by the time they end up needing a solid business credit rating, the chance may have passed.

Building business credit is an opportunity that no small-business owner can afford to ignore. Not convinced? Keep reading.

Good Business Credit Is Money in the Bank

Creditworthy businesses save money on interest rates, but that’s not the only way that an excellent business credit rating can enhance the bottom line. They also pay lower deposits on utilities, mobile phone service, and leased facilities.

Your Credit Is Your Reputation

Many business owners take the precaution of running credit checks on potential business partners, and they should count on those clients and suppliers doing the same when evaluating potential business relationships with them. Creditworthy businesses tend to be more stable and reliable, delivering orders and paying invoices on time. A solid business credit rating means a business owner takes their financial obligations seriously, and that can be an encouraging sign to prospective new partners.

Business Credit Is a Lifeline

All businesses go through slow periods, and business credit can help them stay afloat in stormy seas. Business credit grants access to capital when it is needed, allowing small-business owners to cover costs while waiting for the busy season to arrive. Good credit also helps small businesses shore up cash flow when waiting for a key client to remit payment for products or services.

Business Credit Shields Personal Assets

When lending to businesses with poor credit or no credit, lenders will generally require personal guarantees, collateral, or both. When a business has excellent credit, creditors may allow it to assume responsibility for its own debts. When debts are the sole responsibility of the business, business owners’ personal assets are protected from liability for business debts.

In contrast, owners of businesses for which financing must be secured with personal credit or collateral such as homes or personal vehicles may find themselves not only out of business, but also out on the street.

Start Building Business Credit Today

If you own a business, it’s never too early to start building a solid business credit rating. It may seem premature to worry about business credit during your business’s formative stages, but taking action to establish your business’s credit profile early means not having to worry about it later.

As you begin to build business credit, monitor your progress with a credit monitoring service such as CreditMonitorTM from Dun & Bradstreet In doing so, you’ll gain insight into how your actions impact your business credit score, and will be able to verify that your prudent debt management is being correctly reported.


John R. Klaras is a serial entrepreneur and small business professional, a writer, and an educator by trade. With nearly a decade of experience in the telecommunications industry, he is currently in the process of building a burgeoning new microbusiness. He has written for leading companies in a wide variety of verticals, including travel, finance, motorsports, and real estate.