How to check my business credit score for free?
You can check your business credit for free in a few ways: Dun & Bradstreet offers a free monitoring tool that alerts you to changes in your D&B file, and several third-party platforms provide free summary views of your business credit data from the major bureaus. Full detailed reports from D&B, Experian Business, and Equifax Business typically cost money, but the free options tell you enough to know where you stand. And that matters, because lenders are looking at this data whether you are or not. Once you know your standing, Quordx Capital can show you which of 50+ lenders actually fit your profile.
Part of our guide to Business Loans.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
Where to Check Business Credit Without Paying
Start with the three major business bureaus. Dun & Bradstreet generates your PAYDEX score (0-100, with 80+ meaning on-time payment); its free monitoring product notifies you when your scores change, though full reports are paid. Experian Business and Equifax Business sell detailed reports, but free third-party monitoring platforms, services that partner with the bureaus, display summary scores and grades at no cost in exchange for creating an account.
Practical steps: confirm you have a DUNS number (free to request), sign up for D&B's free alerts, and register with a free business credit monitoring platform to see your Experian and D&B summaries side by side. Check quarterly. Look for errors: wrong payment statuses and accounts that aren't yours are common and disputable. Unlike personal credit, business credit checks never hurt your scores, so look as often as you like.
What to Do With What You Find
Business credit cards: Best if your file is thin; reported on-time payments are the fastest way to add positive history.
Business lines of credit: ($10K-$250K+): Best if your profile is moderate or better; revolving access, interest only on what you draw.
Business term loans: ($10K-$500K+): Best if your scores and revenue are solid and you want predictable fixed payments.
Working capital loans: ($5K-$500K): Best if your file is weak but revenue is real; these approvals run on bank statements.
See what you could qualify for
Four answers about your business. No credit pull.
How Quordx Capital Works
Knowing your score is step one; knowing who'll approve you is step two. Quordx Capital handles the second part: a single five-minute application, AI analysis of your complete profile, and a ranked shortlist of 3-7 best-fit lenders from a vetted network of 50+. Lender decisions typically land within 24-48 hours, with funding in 3-7 business days.
What to Expect
Expect no cost at any point: Quordx Capital never charges borrowers application, broker, or processing fees; lenders pay a commission only when a deal funds. If your credit data reveals problems, expect a candid conversation about what's realistic now versus what's worth waiting for. Asking carries no obligation whatsoever.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures