What is the difference between a personal credit score and a business credit score?
- Posted: 21st November, 2025
- Updated: 24th November, 2025
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Personal scores show how you manage credit, while business scores show how your company manages credit. Both matter if you’re a business owner, since lenders may check your personal and business scores before approving funding.
| Feature | Personal Credit Score | Business Credit Score |
| What it measures | Individual’s borrowing and repayment habits | Company’s creditworthiness and repayment history |
| Data based on | PAN/Aadhaar, personal loans, credit cards, credit history | Company registration, revenue, debt, payment to suppliers, cash flow |
| Who is assessed | Individual | Business entity |
| Score range (India) | 300–900 | 300–900 |
| Used for | Personal loans, credit cards, consumer lending | Business loans, trade credit, commercial vehicle loans |
| Who uses the score | Banks and NBFCs giving personal credit | Business lenders, trade partners, commercial financiers |
| Key factors | Repayment history, credit utilization, credit mix, duration | Repayment record, debt, revenue, industry risk, time in business |
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