Top 5 Ways to Improve Your Business Credit Score Fast

If you need better financing terms, faster approvals, or stronger supplier relationships, improving your business credit score is crucial. Here are five targeted actions that often produce measurable results within 60–90 days.

1. Check Your Business Credit Reports

Start with the three major business bureaus: Dun & Bradstreet, Experian Business, and Equifax Business. Look for errors, incomplete addresses, or missing trade lines and dispute anything inaccurate immediately.

2. Pay Bills Early — Not Just On Time

Early payments weigh heavily in vendor-based scoring models (like PAYDEX). Whenever possible, pay invoices ahead of schedule to improve vendor scores and demonstrate strong cash flow.

3. Build Trade Lines with Reporting Vendors

Not all vendors report payments. Seek suppliers that report your payment history to business credit bureaus. Trade lines with positive history are among the fastest ways to boost your score.

4. Reduce Credit Utilization

High utilization on revolving accounts can hurt your score. Keep balances well under credit limits — ideally below 30% — to show responsible credit usage.

5. Diversify Your Credit Mix

A mix of vendor trade lines, a business credit card, and a small term loan is healthy. Diverse credit types demonstrate the ability to manage different payment schedules and obligations.

Bonus: Use Monitoring Tools

Services like Nav, CreditSignal, and others let you receive alerts and track changes quickly — enabling fast dispute and remediation when needed.

Conclusion

Implement these five steps consistently and your business credit score will typically begin to improve within a couple of months. If you want help auditing your current profile or identifying vendor partners that report, contact us.