What's My Credit Score?

This quiz will help small business owners evaluate their financial habits, credit readiness, and overall loan eligibility. Answer each question to receive your credit score & personalized recommendations.

Name

Email

Phone Number

How do you track your business income and expenses?

I don’t track them.

I use a bookkeeping app or software regularly

I use a manual notebook or Excel spreadsheet

I keep basic notes or receipts sometimes.

How do you keep business and personal money separate?

I have a separate account for business expenses.

I have a clear system of separate accounts and transactions for both.

I don’t separate them.

I separate them but don’t have a clear system.

How do you evaluate the profitability of your business?

I calculate profits occasionally but don’t analyze trends.

I regularly calculate and analyze profits to identify trends and areas for improvement.

I estimate profitability based on cash at hand.

I don’t evaluate my business’s profitability.

How consistent are you with loan or credit repayment?

I’ve never taken a loan or used credit.

I make timely payments most of the time.

I miss payments sometimes.

I always make payments on time or ahead of schedule.

I often miss payments or default.

Have you ever been denied a loan or credit?

No, I’ve always been approved.

Yes, multiple times.

No, but I rarely apply.

Yes, once.

How do you keep track of your loan or credit payment deadlines?

I don’t track payment deadlines.

I set reminders but sometimes miss them.

I have reminders and track payments consistently.

I try to remember them but often forget.

Do you currently have any active loans or credit accounts?

I don’t have any.

I have one loan or credit account.

I use credit responsibly and have no overdue payments.

I have multiple loans or credit accounts but manage them well.

What percentage of your invoices are paid on time?

Over 75%.

50-75%.

Less than 25%.

25-50%.

Do you offer credit terms to your customers?

Occasionally.

I don’t offer credit terms.

Yes, often.

Rarely.

How do you handle unexpected business expenses?

I have to cut back on other things to handle unexpected expenses.

I have some savings or a buffer for unexpected expenses.

I have a solid emergency fund set aside for unexpected situations.

I often struggle to manage unexpected expenses.

What’s My Credit Score?

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