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How to access the D&B DUNSmanager® to submit updates or launch slow payment disputes.



There is more to celebrate next week than just the relief of watching another year fade into the distance. With negative presidential campaigns, economic uncertainty, and turmoil around the globe, it's nice to find something to cheer about. You should be celebrating because your business is about to get another year older and a whole lot better!

In personal terms (for me, anyway) January usually means an influx of bills from Christmas shopping and family travel. But for business, January 1st could mean an increased ability to reap rewards simply because your company is stronger, wiser, and now, officially one year older!

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 mean lower interest rates, improved access to funding, and more reason to celebrate in the new year.

Your young business will officially be one year older at the end of next week, when every company with a D&B® profile will get one more year added to their history. If you started your business at any point in 2016, on January 1st of 2017 your business will be a one year old company. Businesses who started in 2015 will be two years old, and those who opened their doors in 2014 will be three years old — considered by most lenders to be an aged business entity.

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 your calendar, your business proves it has cleared a few more of those hurdles that cause others to fail.

But there is more to getting credit approvals than just having another year under your belt. Even young start-up companies can succeed if their business credit report is creditworthy. Positive data can help boost scores and ratings, but also more accurately prove the credibility of your young business as it ages.

Here are some year-end tips to make sure you put that added year to good use.