Personal and business profiles: both matter to lenders
Lenders evaluate the owner’s personal credit and the business’s separate profile. A gap in either can block funding. The proprietary Bankable Method addresses both simultaneously.
Why lenders look at both, and how each works
The owner’s personal file
Used by lenders to assess the owner’s personal financial responsibility. Weighted heavily in the FICO® SBSS calculation. Affects guarantee requirements and interest rates.
- Personal FICO scores from Equifax, Experian, and TransUnion
- Payment history optimization strategies
- Credit utilization management
- Derogatory item review and dispute guidance
- Credit mix and account age coaching
The business entity’s own file
A separate profile for the business itself, built on vendor accounts, tradelines, and business cards. Over time it lets the business borrow without putting personal assets at risk.
- D&B Paydex score established and reporting
- Experian Intelliscore Plus development
- Equifax Small Business profile
- 300+ reporting starter vendor accounts
- Net-30 and B2B tradeline sequencing
FICO® SBSS: the score that decides the file
The SBA requires lenders to run a FICO® Small Business Scoring Service check on 7(a) applications. It blends personal credit, business profile data, and business financials into one number. Below 160 most banks decline automatically, SBA programs require 165, and the genuinely bankable zone starts at 200. The Bankable Method targets the inputs that drive it.
| Input | Weight in SBSS |
|---|---|
| Personal credit score | High |
| Business credit bureaus | High |
| Business financials | Medium |
| Time in business | Lower |
Four-step profile building path
Every step is guided inside your co-brand platform, with 90+ short step videos and 100+ coaching modules behind it.
Audit Both Profiles
Pull and analyze personal credit from all three bureaus and business data from D&B, Experian Business, and Equifax Business.
Fix the Gaps
Correct derogatory personal items, open missing business bureau profiles, and resolve the compliance issues the AI 150-Point scan surfaced.
Add Accounts
Open vendor net-30 accounts, business cards, and B2B tradelines in the 1-3-5 sequence that builds scores fastest.
Apply Strategically
With scores improved and the profile complete, match to the right lender tier and apply with confidence.
Help clients build a profile that opens doors
Schedule a demo to see the full profile building program running inside your co-brand platform.