Frequently asked questions

We review your business credit profile and help correct inaccurate or incomplete information. Results vary by business. You get a private review page that shows your Bankable Score, every problem we found and how we fix it. Then our team gets to work while you track progress in your portal.

Yes. Along with our business credit services, we monitor your business credit file and let you know when something new shows up or changes, like a new account, a late payment report or a change to your company details. That way small problems get caught before a lender sees them.

It is our own 0 to 100 score for how ready your business looks when a lender checks it. We build it from your business credit report, your state filing, your website and your Google Business Profile. It is not a credit bureau score. We also show our estimate of your score after your plan.

A Paydex score is a business credit score from Dun & Bradstreet that measures how reliably a company pays its bills to suppliers and vendors. It runs from 1 to 100, with higher scores meaning faster, more consistent payments. 80 typically means bills are paid on time, above 80 means early, and below 80 signals late payments. It is based only on payment history reported by the companies you buy from, and lenders, suppliers and partners use it to judge your business and set credit terms.

It does not feed a business credit score directly, but lenders and data services often use it to verify that your business is real and current. We compare your bureau file against your state filing, website and Google Business Profile so your name, address, phone and industry match everywhere.

Credit Desk was founded by Alan Hayon, our Founder and CEO. Alan is a former top producing mortgage originator and a member of the Forbes Finance Council. Helping small businesses get funding ready is his passion, and he writes the Credit Desk business credit guides.

Business credit helps your company build its own track record, separate from your personal finances. A strong profile can make it easier to qualify for loans, credit lines, leases and vendor terms, often with higher limits. It helps protect your personal credit, improves cash flow through vendor payment terms, and builds trust with suppliers, lenders and partners.

Business files are assembled from older public filings, data vendors choose to report and modeled estimates. When you move, add a DBA, change your structure or grow, the bureaus often do not update on their own. Our platform compares your business credit bureau file with your application, state filing, website and Google Business Profile to find the mismatches.

Often it is because your vendors do not report to the business credit bureau, or because they report under a DBA or old address that does not match your file. We identify which is happening and how to fix it.

No. Only inaccurate, incomplete, outdated or unverifiable information can be corrected or removed. Accurate history can be outweighed over time by building positive reporting history, which we help with.

No. Every file is different and lenders make their own decisions. We will tell you honestly what we see and what we expect can be corrected.

Yes. Our site and platform use 256-bit SSL encryption. Bank details for enrollment are encrypted at rest and masked on screen. We never sell your information. We will never ask for your SSN or bank details in chat.

No. It is an automated assistant. It answers general business credit questions and can pass your details to a Credit Desk specialist, who follows up personally.

Our focus is business credit. If personal credit is affecting your business financing, we offer a free consultation on general steps that may help your personal credit. General information only, with no promised results.