What is the PAYDEX score?

PAYDEX® is a business credit score generated by Dun and Bradstreet. Their model analyzes a business’ payment performance and gives it a numerical score from 1 to 100, with 100 representing a perfect payment history.

The PAYDEX score is used much like an individual’s personal credit score. It helps lenders, vendors, and suppliers determine whether to approve you for financing and on what terms. Typically, the better the score, the higher the credit limits, the lower the interest rates, and the better the payment terms. This can save your business money and give you more time to pay bills, dramatically improving cash flow.

Here’s a breakdown of the Paydex Score ranges:

100: Pays 30 days sooner than terms
90: Pays 20 days sooner than terms
80: Pays on due date
70: Pays 15 days beyond terms
60: Pays 22 days beyond terms
50: Pays 30 days beyond terms
40: Pays 60 days beyond terms
30: Pays 90 days beyond terms
20: Pays 120 days beyond terms
U/N: Unavailable/no payment

Why do I need an 80 Paydex score?

Most Lenders, Vendors, and Suppliers consider the Paydex score seriously at the time of financial evaluation of businesses that have applied for credit. An 80 Paydex score signifies that your company pays its bills on time, and has been recognized as a responsible corporate entity by Dun and Bradstreet.

Below, we will describe how we can help your business achieve a good corporate credit score, through our specialized advice. We’ve helped hundreds of businesses achieve such scores and then go on to access funding and achieve success in a relatively short time.

How does the 80 Paydex Program work?

If your business naturally deals with a high number of suppliers on a regular basis, purchasing from them frequently and making all payments before the due date, then you should be able to “naturally” obtain an 80 or higher Paydex Score within the first 12 to 24 months of operations.

However, if your business:

Is a recently purchased Shelf Corporation, and/or
Does not fit the scenario above, and/or
Does not want to wait 12 to 24 months

Then our 80 Paydex Program is the solution you need.

We can achieve an 80 Paydex Score or higher within 45 to 60 Days, assuming you follow our instructions in a timely manner. We do everything possible on your behalf in order to minimize your involvement in the process.

You can go for Funding either before or after the 80 Paydex Program is complete – The choice is yours. However, beware that some of the Lenders you apply with may deny your applications specifically due to not having an 80+ Paydex Score. For this reason, we always recommend that our Clients obtain the 80 Paydex Score before going to Funding, so that Funding Results can be maximized.