When you apply for a business loan with ABC Finance, there is no impact on your credit score. Our team of business financing experts first learn about your business and look for the best deal based on your circumstances and needs. At this point in the business loans process, no credit check is required. If you’re happy with what we offer, we will take your application forward and at this point a credit check will be required. Where the chosen business loan lender undertakes a soft credit search, there will be no impact on your credit file. When the loan is drawn down, or if a hard search is required, the application will then show on your credit file and could temporarily change your credit score.