Credit repair for business loans and buying a business.
Your business may be profitable and still get declined, because almost every business lender underwrites the owner's personal credit first. SBA 7(a) lenders and banks typically want 680 or higher; many fintech lenders use 600–650 as a floor but price aggressively below 680. We clean up the personal report that's holding the business back.
- Soft inquiry only — your score doesn't move
- Free three-bureau review and written plan
- Bonded under Florida law; fees quoted in writing
What business lenders look at.
- The owner's personal FICO score — the first screen at almost every bank, credit union and SBA lender.
- Personal collections, charge-offs, judgments and tax liens, which many lenders treat as character issues.
- Credit utilization and recent inquiries — a maxed-out personal card can sink a business application.
- Business credit (D&B PAYDEX, Experian Intelliscore, FICO SBSS) once your personal file is clean.
How CreditFixScore gets you ready.
- i
Free review
Every negative item from Equifax, Experian and TransUnion, sorted: dispute vs. strategy.
- ii
Disputes
Item-specific disputes and debt-validation requests, with documentation, to each bureau and furnisher.
- iii
Approval plan
Utilization targets, what to pay and what not to pay, in the order that moves your score fastest for this approval.
- iv
Results by round
Bureaus answer within 30 days. Every response lands in your portal; fees are held in escrow until the work is complete.
Questions, answered honestly.
What personal credit score do you need for an SBA loan?
The SBA does not publish a minimum, but most SBA 7(a) lenders look for 680 or higher, and the FICO SBSS pre-screen used for smaller loans effectively requires a solid personal history. Some lenders work with 640–680 with strong cash flow.
Does my business credit matter if my personal credit is bad?
For most small businesses the owner's personal credit controls the decision, especially for loans under $500,000 and any loan with a personal guarantee. Business credit helps most once the personal file is clean.
Can CreditFixScore help me build business credit too?
Yes. After the personal-credit work, we provide a business-credit roadmap: a D&B number, tiered vendor accounts, and the reporting habits that build a PAYDEX score.
What happens after my credit is repaired?
You get a written summary of what changed on each report, so you can apply with any bank, credit union, SBA lender or online lender with a clean file. CreditFixScore does not make loans and is not paid by any lender.
Working toward something else?
See what's blocking this approval — free.
Three-bureau review, a call with a strategist, and a written plan. No obligation.
Apply Now Call 888-29-MYSCORE