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FICO SBSS (Small Business Scoring Service)

We all know that FICO is the industry standard credit score for personal credit and the score ranges from 300-850. But most small business owners don’t know that their company has it’s own FICO that they’ve probably never seen before.

The FICO LiquidCredit Small Business Scoring Service, or FICO SBSS for short, is main credit score used by banks and other lenders to evaluate you company’s credit worthiness when seeking larger loans and lines of credit because it allows them to make quicker, more accurate lending decisions, usually within hours instead of days.

A quick Google search for more information on this score won’t return much. Most of the information out there is geared towards banks who maybe looking to start pulling it. However, this page will explain this score’s importance from a business owner’s stand point.

FICO SBSS: What is it?

  • A small business centered scoring model made by Fair Isaac Corporation that ranges from 0 to 300
  • The main score used by most major banks and the SBA to pre-screen small businesses
  • A combination of a business’s credit reports and the business owner’s personal credit
  • THE most important factor for small businesses seeking loans or lines of credit up to $1 million

How is the score determined?

A business’s FICO SBSS score is determined by factoring in the company’s D&B, Experian, and Equifax Business reports as well as the business owner’s personal credit into one place. The score also takes into account:

  • The company’s age
  • It’s number of employees
  • Financial data, like annual revenue and assets
It’s main goal is to provide a global view of a company’s overall financial health. Without having established business credit, the highest score you can have is 140, and that’s if you have outstanding personal credit (800+ and high limit accounts). 140 is the minimum score required by the SBA to be considered for funding, and most banks will want to see at least 160. If you do the math, your business won’t qualify if you only have good personal credit without business credit. And even if you have amazing personal credit, the approval you’ll get won’t be anywhere close to what you were hoping for. It is an absolute necessity to have stellar business credit.

How do I improve my score?

Our main focus at accelerated business credit member is improving your company’s business credit. This is the often overlooked aspect of your company’s overall financial image, yet the most crucial. We talk to business owners on a daily basis who have settled for MCA and revenue-based loans with sky-high interest rates because they didn’t take the time to build their company’s credit first and are looking for better options.

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How to Monitor Your FICO SBSS Score

There aren’t that many options on the internet for monitoring this score. And because banks aren’t required to provide this score to you in the event that you are denied for loan, you may never know what exactly they were looking at.

Fortunately, NAV offers a way to monitor not just your FICO SBSS score, but also every credit report between you and your company that gets factored into your FICO SBSS score. They are currently THE ONLY recourse for business owners to monitor this information in one place.

Nav’s Prime membership will give you access to monitor the following in one place:

  • Business Credit Monitoring with all 3 major business credit reporting agencies
  • Personal Credit Monitoring with Experian and Transunion
  • Your FICO SBSS score (again, THE only place you’ll find this)
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See What Our
clients think of Accelerated...

TOMMY WATKINS
8/06/2017

"I have been a member of accelerated business credit member since November 2015. I am highly impressed with the credit counseling team to obtain vendor credit and high credit line credit cards. My suggestion to anyone joining the program just pay your invoices and follow the instructions of your assigned technician. My business has really benefited from accelerated business credit Offering. I want to render a special thank to Ashely, Maria, and Jasmine"

FELIX WISNIEWSKI
4/13/2018

"This review is for Ashley who has been helping me with the process to build my business credit. She has been going above and beyond for me through the entire process. Every week we jump on a call and she gives me the next steps. I feel very confident that with the guidance of Ashley and accelerated business credit member we will secure the proper funding for my business."

BRIAN COSTA
7/21/2015

"Tom and Stephanie were great to work with. Professional, smart, and knew exactly what they were doing. Promised to get me $50,000 in business capital and build the credit for my business and their accelerated business Credit program did just that. Was a bit overwhelming at first, but the support staff got me through the entire process and practically did all the hard work. Thanks for such a great service!"

Vl
10/20/2017

"I would like to thank accelerated business credit member for all they have done to help me get my the credit for my business off to a good start. I could not have done it without you. Understanding the concept of how this program work is all it take. I would recommend it to everyone that is trying to establish their business credit. Everyone have been so helpful but working Cassandra the other day was such a joy. Thank you for all your help and encouragement."

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11/19/2017

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11/21/2017

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ALAN KARAMALIAN
6/13/2019

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12/29/2017

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12/15/2016

"Well, all I can say is that accelerated business credit member Credit does EXACTLY what they advertise for services! The customer service (Mario Prado) has been outstanding! If you are looking for a true way to build credit for your business look no further than accelerated business credit member Credit.

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