NOTE: This impacts many of the lessons below!
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How to access the D&B DUNSmanager® to submit updates or launch slow payment disputes.



There is a right way to apply for credit, and about a million wrong ways. Most small business owners, especially those just starting out, don’t understand that applying for credit in the company name is very different than applying for personal credit. Lenders factor in the business age, size, industry, and previous payment history when considering risk assigned to your business.

What’s tripping up your business credit application process?

Applications for business credit are not processed the same way as personal credit applications. There are a vast array of factors that lenders need to take into consideration when making business credit approval decisions that would never be included in personal credit decisions, such as:

  • What is the legal structure of the business?

  • How long has this business been operating?

  • How many employees does this business support?

  • Do we know who the principles are?

  • Do we have accurate data on this company?

  • Has anyone else ever extended them credit?

  • What is the highest credit they have been responsible for?

  • How much have they had in outstanding credit at any given time?

  • Has any of this credit been revolving credit, paid over time?

  • Does this company pay its bills on time?

To make an informed decision about whether or not your company can be approved or how much you can safely be responsible to pay back, banks, credit card underwriters, and other lenders or creditors rely on Dun & Bradstreet® to provide an accurate and reliable report on these factors and more, saving the lender countless hours of research and data validation. In turn, Dun & Bradstreet® relies on their trusted data sources, as well as the business principles, to provide the bulk of the data they will put into the report. Better data translates to strong credit limit recommendations.