Can my Business Partners credit score affect our SBSS score?

Yes, your business partner’s credit score can affect your SBSS score, especially if they own 20% or more of the business. The SBSS score is a blended score that evaluates both the business’s financial health and the personal credit of its owners. Any individual who owns 20% or more of the business is typically required to provide a personal guarantee for SBA loans, and their credit profiles are factored into the overall assessment.

At SBAScore.com, we emphasize that the SBSS/ETRAN score is built from a combination of personal credit, business financials, industry data, and public records. As highlighted in our blog:

• “This is a blended score of business and owner personal credit, with underlying historical scoring based on industry loan performance averages.” (Understanding The Top Ways to Get an SBA Loan)
• "Key factors include personal credit, business deposits, profitability, industry code, and public records." (How to Improve ETRAN Score Before You Apply)

If your business has multiple owners, the personal credit of each partner with a significant ownership stake (generally 20% or more) will be reviewed and can impact the SBSS score. If one partner has a weaker credit profile, it may lower the overall score and affect loan eligibility.

In summary:

• The SBSS score incorporates the personal credit of all significant business owners (typically those with 20%+ ownership).
• A business partner’s credit score can positively or negatively influence your SBSS score and, by extension, your SBA loan eligibility.

For more details on how your SBSS score is calculated and how to improve it, visit our resources:

• Understanding The Top Ways to Get an SBA Loan
• How to Improve ETRAN Score Before You Apply