Alan Hayon
Founder & CEO, Credit Desk · Member, Forbes Finance Council
Alan's passion is simple: helping small businesses get funding ready, so the next time a lender looks, they see the business you really are.
Helping small businesses get funding ready
Alan Hayon is the Founder and CEO of Credit Desk, a business credit services and business credit monitoring company. He built Credit Desk around one idea: business owners deserve to see what lenders see before they apply, and to have someone in their corner who fixes what is wrong.
That is the part of the work Alan loves most. Sitting with an owner who is growing and getting ready for the next round, finding what could hold them back, and walking them step by step to a file a lender can say yes to. To Alan, a strong business should never get smaller offers because of an old address or a name that does not match. Those problems are fixable, and fixing them is what Credit Desk does.
From mortgage originator to business credit
Alan started in lending as a top producing mortgage originator. He worked with a great many borrowers and kept seeing the same thing: good people and strong businesses held back by credit files that did not tell the right story. A payment reported late that was not late. A lien that had already been paid. Company details that no longer matched.
He saw that most owners never knew these problems existed until a lender found them. So he founded Credit Desk to find them first, fix them, and keep watching the file so they do not come back.
Business Credit Concierge
Alan also built the Credit Desk Business Credit Concierge, a hands on service that works with funding companies and their business clients. When a business is not quite ready for the funding it wants, the concierge team reviews the file, finds the mismatches and gaps, and builds a plan to get it funding ready.
Forbes Finance Council
Alan is a member of the Forbes Finance Council, an invitation only community of finance leaders. He shares what he learns from real business credit files so more owners can understand how lenders think.
What Alan writes about
Alan writes the Credit Desk business credit guides, in plain words any owner can follow:
At a glance
- Founder and CEO, Credit Desk
- Member, Forbes Finance Council
- Former top producing mortgage originator
- Built the Business Credit Concierge
- Passion: getting small businesses funding ready
- Author of the Credit Desk business credit guides
Business contact
Credit Desk, 445 Broadhollow Rd Suite #124, Melville, NY 11747
(516) 313-4565 · alan@creditdesk.com
Elsewhere: LinkedIn · Forbes Councils · Credit Desk on LinkedIn
26 business credit guides by Alan
How to Get Funding Ready: A Business Loan Readiness Guide
Getting funding ready means your business credit, records and documents are in order before you apply. Use this business loan readiness guide to check fundability and prepare for your next application.
By Alan Hayon, CEO · 6 min readBusiness Credit Monitoring: What It Is and Why Your Business Needs It
Business credit monitoring alerts you when your business credit scores, accounts, public records or company details change. Learn what to monitor, how often and how it protects your fundability.
By Alan Hayon, CEO · 5 min readGoogle Business Profile and Business Credit: Why Lenders Check It
Your Google Business Profile helps lenders verify your business is real. Learn how it connects to business credit, how mismatches hurt fundability, and how to align it with your state filing and bureau files.
By Alan Hayon, CEO · 6 min readHow to Build Business Credit: A Step by Step Guide for Small Businesses
Learn how to build business credit the right way: set up your business foundation, get listed with the business credit bureaus, open reporting accounts, and keep your file accurate and monitored.
By Alan Hayon, CEO · 6 min readBusiness Credit Mismatches: What They Are and How to Fix Them
A business credit mismatch is when your bureau file does not match your state filing, website or Google Business Profile. Learn the common mismatches, why they hurt approvals, and how to fix them.
By Alan Hayon, CEO · 6 min readPaydex Score: The Complete Guide for Small Business Owners
What the Dun & Bradstreet Paydex score is, how the 1 to 100 scale works, what a good Paydex score is, and how to build one lenders and suppliers trust.
By Alan Hayon, CEO · 8 min readBusiness Credit Scores Explained: Paydex, Intelliscore and Equifax
A plain English guide to the main business credit scores: Dun & Bradstreet Paydex, Experian Intelliscore and Equifax business scores. Learn what each measures and how lenders use them.
By Alan Hayon, CEO · 5 min readWhat Is a DUNS Number and Does Your Business Need One?
A DUNS number is a unique nine digit ID from Dun & Bradstreet that creates your business credit file. Learn what it is, who needs one, how to get one and how to keep the details correct.
By Alan Hayon, CEO · 6 min readAddress Mismatch on Your Business Credit Report: Why It Happens and How to Fix It
An old or wrong address on your Dun & Bradstreet, Experian or Equifax business file can split your credit history and fail lender verification. Here is how to find and fix an address mismatch.
By Alan Hayon, CEO · 6 min readUCC Liens Explained: What They Mean for Your Business Credit
A UCC filing is a public notice that a lender has an interest in business assets. Learn what UCC liens are, how they show up on business credit reports, how lenders read them and how to keep them accurate.
By Alan Hayon, CEO · 6 min readHow to Raise Your Paydex Score: A Step by Step Plan
A practical plan to increase your Paydex score: fix company details, add vendors that report, pay early, and keep errors off your Dun & Bradstreet file.
By Alan Hayon, CEO · 6 min readNAP Consistency and Business Credit: Name, Address and Phone Everywhere
NAP stands for name, address and phone. Learn why NAP consistency across your Google Business Profile, website, state filing and business credit bureaus matters for fundability, and how to fix it.
By Alan Hayon, CEO · 6 min readBusiness Name and DBA Mismatches on Your Business Credit File
When your legal name, DBA and business credit file do not match, lenders cannot connect your history. Learn how name and DBA mismatches happen and how to link them correctly.
By Alan Hayon, CEO · 5 min readWhy Did My Paydex Score Drop? 9 Common Causes and What to Do
Your Paydex score went down and you are not sure why. Here are the most common reasons a Dun & Bradstreet Paydex score drops and how to respond to each one.
By Alan Hayon, CEO · 6 min readThin Business Credit File: What It Means and How to Build It Up
A thin business credit file has too few accounts for lenders to judge your business. Learn why files are thin, how it affects funding, and how to add depth the right way.
By Alan Hayon, CEO · 6 min readPhone Number Mismatch on Your Business Credit File: Why Lenders Care
A disconnected or different phone number on your business credit report can fail lender verification. Learn why your business phone matters and how to keep it consistent everywhere.
By Alan Hayon, CEO · 5 min readHow to Check Your Business Credit Report (and What to Look For)
Learn how to check your business credit report at Dun & Bradstreet, Experian and Equifax, what each section means, and the most common errors to look for before you apply for funding.
By Alan Hayon, CEO · 5 min readWrong SIC or NAICS Code on Your Business Credit Report: Why It Matters
Your industry code on Dun & Bradstreet, Experian and Equifax affects how lenders judge your risk. Learn how SIC and NAICS code mismatches happen and how to correct them.
By Alan Hayon, CEO · 5 min readHow Lenders Verify Your Business Online (and How to Pass Every Check)
Before they fund, lenders verify your business using your state filing, business credit files, website and Google Business Profile. Here is what they check and how to make sure everything lines up.
By Alan Hayon, CEO · 6 min readWhy Lenders Check Business Credit (and What They Look For)
Lenders check business credit to understand how your business pays, how much history it has and whether your records are consistent. Learn what lenders look for and how to prepare.
By Alan Hayon, CEO · 5 min readBusiness Shows as Closed or Inactive on Your Credit Report? Here Is What to Do
If Dun & Bradstreet, Experian or your state shows your business as closed, inactive or out of business, lenders may stop there. Learn why it happens and how to fix your business status.
By Alan Hayon, CEO · 5 min readNet 30 Vendors: How They Help Build Business Credit
Net 30 vendors let your business buy now and pay within 30 days, and many report payments to the business credit bureaus. Learn how net 30 accounts work, how to choose them, and how to use them to build business credit.
By Alan Hayon, CEO · 5 min readEIN and Business Credit: How Your Tax ID Connects to Your Credit File
Your EIN is your business's federal tax ID. Learn how it connects to business credit, why EIN only credit is often misunderstood, and how to keep your EIN details consistent across lenders and bureaus.
By Alan Hayon, CEO · 5 min readTax Liens and Judgments on Your Business Credit Report
Tax liens and court judgments can weigh on your business credit and slow down funding. Learn how they appear on business credit reports, how lenders view them and how to resolve and update them.
By Alan Hayon, CEO · 6 min readBusiness Tradelines Explained: What They Are and Why They Matter
A business tradeline is any account that reports your payments to a business credit bureau. Learn the types of tradelines, how they affect your business credit, and how to add them the right way.
By Alan Hayon, CEO · 5 min readWorking Capital Readiness Checklist: Prepare Before You Apply
A simple working capital readiness checklist for small businesses. Learn what working capital providers review, which documents to prepare and how clean business credit helps you get more options.
By Alan Hayon, CEO · 5 min readGet credit ready before your next loan application.
A free review of your business credit file with a Credit Desk specialist. No SSN needed to start.