A personal credit score refers to documented records sourced from different financial services providers like banks, credit unions, mortgage companies, and innovative finance platforms detailing your interaction with their credit services. It highlights your borrowing history and ranks your ability and timeliness in repaying credit advances. A business credit score is no different from a personal score as it also details your company’s borrowing history by rating its ability and timeliness in making payments. Note that while most established businesses can use their credit rating – independent of their founder’s or manager’s credit scores – to access loans, most lenders will consider both the founder/manager’s credit score and that of the business when assessing an SMEs creditworthiness.