Small Business Credit Reports And How They Work A business credit score is a mathematical model that is used to depict a business’s risk of defaulting on an account within the next 12 months. Business credit scores reflect the likelihood that a customer will pay the merchant back as agreed. Merchants use business credit scores to help them make decisions as to who to lend money to and at what interest rate and terms. Business credit scores are very different from personal credit scores, for many reasons. Firstly, a business credit score reflects the business’s likelihood of defaulting on
