In short, a business line of credit can affect your personal credit score.
For example, a business line of credit can affect your personal credit score if your lender reports payment history to the consumer credit bureaus. It can also affect your personal credit score if you are a sole proprietor and are not legally separated from your business.
In addition, if you apply for a business line of credit and your lender pulls a hard credit inquiry on your personal credit history, this could also impact your personal credit score.
Finally, if you personally guarantee your line of credit, this holds you liable for the debt—meaning not only are you responsible for the debt if your business can’t pay, but it can also show up on your personal credit report.