Improving Your Financing Chances - http://www.palletenterprise.com/view_article.asp?articleID=4222 Companies should also check their Dun & Bradstreet (D&B) report. D&B compiles credit data on businesses from public records, vendor payment information and financial reports and uses it to produce reports that evaluate a company’s creditworthiness. It is essentially a company’s credit score. If your personal credit does not look very good, take steps to improve it before applying for a business loan. You can do this by paying bills on time, paying off credit card balances every month, getting rid of outstanding debt and not applying for more credit too often. This will take time, so if you know you may need financing in the future start preparing now.