When it comes to seeking business or corporate credit ratings, Dun & Bradstreet (D&B™) with its vast database of credit profiles on millions of companies, is one of the most popular and trusted credit reporting agencies.
D&B™ provides an in-depth and thorough evaluation of a company’s financial stability using its own proprietary “Paydex” numerical scoring system for credit worthiness. Listed below is the Paydex Score Chart & D&B’s Business Credit Score.
| D&B’s Business Score | Description |
|---|---|
| 0 – 24 | No score or Bad. Non-traditional funding or personal loans will be the only funding you can get. |
| 25 – 49 | Fair Score. You will probably need to a personal guaranteed loan. |
| 50 – 74 | Good Score. Vendors will feel comfortable doing business with you. Securing funding may take into account property owned. |
| 75 – 100 | Excellent Score. Solid line of reporting vendors. Promptly paid invoices. Funding is available based on your businesses credit. |
| Paydex Score Chart | Payment Expectation |
|---|---|
| 100 | Expect payment may come early |
| 90 | Payments generally come within early payment discount period |
| 80 | Payment is prompt |
| 70 | Payment comes 14 days beyond terms |
| 60 | Payment comes 21 days beyond terms |
| 50 | Payment comes 30 days beyond terms |
| 40 | Payment comes 60 days beyond terms |
| 30 | Payment comes 90 days beyond terms |
| 20 | Payment comes 120 days beyond terms |
| UN | Unavailable |
