A business credit score of 750+ puts you in elite territory. You can access almost any funding, qualify for excellent rates, and operate without personal guarantees. Here’s exactly how successful founders build to this level—and what separates them from everyone else.

The 750+ Score Breakdown

A Paydex score of 750+ requires:

• 3+ years of business operation
• Perfect or near-perfect payment history (95%+ on-time payments)
• Multiple credit relationships (business credit cards, trade credit, lines of credit)
• Aging accounts (oldest account 3+ years)
• Low credit utilization (below 30%)
• No negative items (no collections, judgments, or liens)

The Founder Habits That Build to 750+

1. Never Miss a Payment – Successful founders treat business payments like personal bills: non-negotiable. One missed payment can drop a 750+ score to 700 or below. Prevention is everything.

2. Diversify Credit Types – 750+ builders don’t rely on one credit source. They maintain business credit cards, trade credit lines, and bank credit lines simultaneously. This demonstrates sophisticated credit management.

3. Keep Utilization Low – Just because you have $100K in available credit doesn’t mean you use it. 750+ founders keep utilization below 30%, signaling financial discipline.

4. Age Accounts Strategically – They don’t close old credit accounts. The oldest accounts boost the score. Every account kept active improves the profile.

5. Automate Everything – Top founders automate vendor payments and credit card payments to eliminate the possibility of missing deadlines.

6. Monitor Constantly – They pull business credit reports quarterly and immediately dispute inaccuracies. Bad data never stays on the report.

The Timeline to 750+

• Year 1: Foundation building, establish initial credit (scores typically 50-100)
• Year 2: Diversify credit, build payment history (scores typically 100-200)
• Year 3: Demonstrate consistency, reach 700+ range
• Year 4+: Maintain perfection to reach and maintain 750+

What 750+ Actually Unlocks

• Access to best-in-class business loans without personal guarantee
• Interest rates 3-5% lower than average
• Higher credit limits and approval odds
• Better vendor and supplier terms
• Negotiating power with lenders and creditors

The Commitment

Building to 750+ takes discipline, consistency, and 3+ years of perfect execution. But for serious founders planning to scale and eventually exit or expand, it’s absolutely worth it. A 750+ credit score is a business asset that generates returns for years.