Coast Commercial Credit reports that businesses, as do individuals, have credit scores. Business credit reports provide business lenders and suppliers with a credit score for businesses, ranging on a scale from 0 to 100 with 70 or more considered a good rating. The business credit rating is based on information provided by business lenders and suppliers.

Application-only equipment-financing programs rely heavily on both business and personal credit scores for extending higher dollar amounts ($100,000 to $250,000). Businesses with higher business credit scores find it easier to get approved. Conversely, having a low or no business credit score can be a reason for a lender to require additional financial information from an applicant, regardless of time in business or personal credit score.