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The annual aging of your business


Every January 1st, your business is officially one year older.  For many, this means increased access to capital.


In the corporate credit world, the age of your business is not measured by the date of its incorporation, but rather by the year in which it started.  This translates to lower risk ratings with every December 31st your small business puts behind it.  This could lower interest rates and improve access to funding, giving you much more reason to celebrate in the new year.

Your young business will officially be one year older at the end of this week, when every business with a D&B profile will get one more year added to their history.  

With major banks and creditors recently acknowledging a loosening of their stronghold on small business credit, there has never been a better time to get your business qualified to receive approvals, especially if you are a young business struggling to meet a lender’s tough criteria.  While many are drearily taking down holiday decorations, few realize they could actually be in a better position to celebrate after the holidays are over.


Bankers, lenders and creditors confirm: more credit is available to a small business with every year it survives today’s tough economic times.  They understand that time in service proves you can endure the “school of hard knocks” and pitfalls that young, inexperienced business owners fall prey to. With each year notched into their calendar, a business proves it has cleared a few more of those hurdles and not just survived but, in many cases, thrived.

But there is more to getting approvals than just having another year under your belt.  Your business credit report needs to be ready to take advantage of its coming of age.  Just as important as removing negatively impacting, out-of-date, or irrelevant information, there has to be a conscious effort to input up-to-date, positive data so the report can more accurately portray the creditworthiness of your young business as it ages.

Starpoint Credit Solutions excels because we understand the data.  We use methods that employ D&B’s own processes and standards.  We validate every piece of impacting data.  We clear the hurdles for you.  We get you to your goals using techniques structured specifically for your business’s needs and goals, and fully acceptable to the tough standards required by lenders and creditors.

Call today to schedule a free consultation to discuss your credit options and approval possibilities.  We’ve got work to do, and there is no better time than right now to get started!

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  • Gain access to your business credit profile

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  • Track your updates and scoring improvements

  • Send you an updated report as changes occur

  • Establish new trade lines for your business

  • Advise you against potentially risky behavior

  • Provide companies who can report payment history to the business credit bureaus

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  • Provide you with guidelines and the training you'll need to keep making progress

  • Refer you to trustworthy lending sources for working capital and business lines of credit

  • Walk you through the application process and answer your questions along the way

  • Keep you on a consistent track to success

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