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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
FICO SBSS

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
FICO SBSS

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 TrueBuild 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.

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.

dun and bradstreet logo
experian business logo
equifax business logo
FICO SBSS

Nav’s Premium Plus plan that 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)
FICO SBSS

Ready to Get Started?

Schedule a time to talk with us about how exactly business credit will benefit your and your company.

See what our clients think of TrueBuild…

FELIX WISNIEWSKI
FELIX WISNIEWSKI
4/13/2018
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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 true build we will secure the proper funding for my business.
BRIAN COSTA
BRIAN COSTA
7/21/2015
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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 my business credit and their TrueBuild 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!
V L
V L
10/20/2017
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I would like to thank True Build for all they have done to help me get my business credit 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.
SHAWNA WILLIAMS
SHAWNA WILLIAMS
11/19/2017
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TrueBuild Credit is AWESOME!! I love my rep Cassandra, she is really knowledgeable and professional!
WILSON POTTS
WILSON POTTS
11/21/2017
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Sandra was an absolute treat to work with. She was professional, patient, accommodating and had a wealth of knowledge that put me at ease. I really appreciated all her hard work on my file. You Rock Sandra :)
ALAN KARAMALIAN
ALAN KARAMALIAN
6/13/2019
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They helped me build my Corp credit & now my buisness had the funds it needs. Thanx
RICHIE DAVIS
RICHIE DAVIS
12/29/2017
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cassandra was very helpful with me and my company. i love the fact that she goes the extra mile for her customers. Highly recommand
DONN ZIEMER
DONN ZIEMER
12/15/2016
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Well, all I can say is that True Build 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 business credit and other look no further than True Build Credit.
TERRENCE GOODWIN
TERRENCE GOODWIN
4/09/2018
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The customer service and help you receive is truly outstanding. Just knowing theirs a company that stand by their product is rare these days.True build credit takes the quess work out ofreceiving business credit.Great Job and thanks.Afro Wealth Services.
BENJAMIN MCCRAY
BENJAMIN MCCRAY
9/16/2017
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It's great working with Corporate Credit, and always exciting to hear from my clients getting great results. A special thanks to Cassandra!!!! :)
TOMMY WATKINS
TOMMY WATKINS
8/06/2017
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I have been a member of True Build Credit 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 True Build Credit Offering. I want to render a special thank to Ashely, Maria, and Jasmine
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