{"id":7163,"date":"2018-05-07T12:58:54","date_gmt":"2018-05-07T12:58:54","guid":{"rendered":"https:\/\/www.instamojo.com\/blog\/?p=7163"},"modified":"2022-10-28T21:15:35","modified_gmt":"2022-10-28T15:45:35","slug":"what-is-a-credit-score-important-small-business","status":"publish","type":"post","link":"https:\/\/www.instamojo.com\/blog\/what-is-a-credit-score-important-small-business\/","title":{"rendered":"What is credit score? Why is it important for your small business"},"content":{"rendered":"<p>Would you give money to anyone that comes asking for it? On what basis would you decide to who you want to lend money? For a bank, your credit score is a way to trust you, financially.<\/p>\n<p>But there&#8217;s more to that than just a trust factor. In this post, we explain everything you need to know about your credit score and why it is important for your small business.<\/p>\n<h2><strong>Understanding Credit Score<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A credit score is a number that ascertains your creditworthiness.\u00a0It is a three-digit number that allows banks and other non-banking institutions to evaluate how likely you are to repay your debt. <\/span><\/p>\n<p><strong>Credit scores usually\u00a0range\u00a0between 300 and 850.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A credit score is based on your credit report. It predicts risk for banks and other NBFCs.\u00a0<\/span><\/p>\n<h2><strong>How are credit scores calculated?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">There are multiple scoring models that calculate your credit score, but FICO\u00a0is the one that is the most widely used. Lenders use FICO credit score to determine your credit risk. <\/span><\/p>\n<blockquote><p><strong>The major credit bureaus like Equifax, Experian &amp;\u00a0TransUnion\u00a0collaborated to create VantageScore\u00a0to provide more scoring consistency. They use criteria like the frequency of your payments in time and how many accounts you have in good standing. <\/strong><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">These three credit bureaus use both the FICO score and VantageScore to calculate your credit score. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In India,<\/span><span style=\"font-weight: 400;\">\u00a0lenders use credit scores calculated by <\/span><span style=\"font-weight: 400;\">CIBIL,\u00a0<\/span><span style=\"font-weight: 400;\">TransUnion, <\/span><span style=\"font-weight: 400;\">Experian<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">Equifax<\/span><span style=\"font-weight: 400;\"> or CRIF High Mark<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Even though there are many scoring models, most typically use this data :<\/strong> <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Your payment history<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Number of credit cards you have <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Types of loans you\u2019ve borrowed<\/span><\/li>\n<li style=\"font-weight: 400;\">Duration of your loan<\/li>\n<li style=\"font-weight: 400;\">How much you borrowed<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Credit card limits and limit usage.<\/span><\/li>\n<\/ul>\n<h2><strong>Why is a credit score important to you?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">As a business owner, it is important for you to maintain a good credit score because it determines:<\/span><\/p>\n<ul>\n<li>If you will get a loan<\/li>\n<li>The interest rate on the loan<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A good credit score will help you access larger amounts of capital and also get a lower rate of interest. <\/span><span style=\"font-weight: 400;\">A good credit score is also important for you to get trade credit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> \ud83d\udca1 <strong>Trade credit<\/strong><\/span><strong>\u00a0<\/strong><span style=\"font-weight: 400;\">is the ability to buy now and pay later which will help solve cash flow problem. It will let you buy inventory, and equipment without paying upfront.<\/span><\/p>\n<h2><strong>How to maintain a good credit score?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><strong>A good credit score is 700 and above.<\/strong> Here are a few ways through which you can maintain a good score:<\/span><\/p>\n<ul>\n<li>Pay your EMIs and credit card bills on time.<\/li>\n<li>Don&#8217;t go overboard with your credit limits.<\/li>\n<li>Keep your debts low.<\/li>\n<li>Monitor your joint account loans.<\/li>\n<\/ul>\n<p>Looking for a loan to start your business? <a href=\"https:\/\/www.instamojo.com\/blog\/small-business-loans-government-loan-schemes-india\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #3366ff;\">Check out these five popular loans given by the government.<\/span><\/a> These loans have a\u00a0low-interest rate and longer payback periods.<\/p>\n<p><strong>Here are some other resources to help you with your funding needs:\u00a0<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.instamojo.com\/blog\/non-government-funding-schemes-for-women\/\" target=\"_blank\" rel=\"noopener\">5 Non-government funding schemes for women entrepreneurs in 2022<\/a><\/li>\n<li><a href=\"https:\/\/www.instamojo.com\/blog\/how-to-access-the-governments-emergency-credit-scheme-to-restart-business\/\" target=\"_blank\" rel=\"noopener\">How to access the Government\u2019s Emergency Credit Scheme to Restart Business<\/a><\/li>\n<li><a href=\"https:\/\/www.instamojo.com\/blog\/nbfcs-in-india-help-small-businesses\/\">How NBFCs in India help Small Businesses Acquire Loans<\/a><\/li>\n<\/ul>\n<p>With Instamojo you can get started with your business in just under two minutes. You don&#8217;t just get a <a href=\"https:\/\/www.instamojo.com\/online-store\/?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=online_store\" target=\"_blank\" rel=\"noopener\">free online store<\/a> but also get a <a href=\"https:\/\/www.instamojo.com\/payment-gateway?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=payment_gateway\" target=\"_blank\" rel=\"noopener\">free payment gateway<\/a> that allows your customers to pay you via their choice of mode of payment!<\/p>\n<hr \/>\n<p style=\"text-align: center;\"><a class=\"mb-button mb-style-flat mb-size-default mb-corners-default mb-text-style-default \" style=\"background-color: #2bc470;\" href=\"https:\/\/www.instamojo.com\/?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=home_page\">Get started here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Would you give money to anyone that comes asking for it? On what basis would you decide to&hellip;\n","protected":false},"author":6,"featured_media":24056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[5328,1],"tags":[3861,1428,5795,5796,5454,5799,5797,2702,5798,3860],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a Credit Score? Why is it Important for your Small Business<\/title>\n<meta name=\"description\" content=\"A credit score is a three-digit number that allows banks and other non-banking institutions to evaluate how likely you are to repay your debt. Read more about it here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.instamojo.com\/blog\/what-is-a-credit-score-important-small-business\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a Credit Score? Why is it Important for your Small Business\" \/>\n<meta property=\"og:description\" content=\"A credit score is a three-digit number that allows banks and other non-banking institutions to evaluate how likely you are to repay your debt. 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