Closing Report Series

The Score That
Opens Bank Doors

The Business FICO SBSS has been the SBA's primary pre-screen for 7(a) loans since 2014. OwnersPath generates a factor-by-factor SBSS report for every prospect you run, showing exactly what's holding their score back and giving you a clear conversation to open.

Included with every scan
0 – 300 scoring range
Included in all plans
Most lenders require a minimum of 160 for approval.
The report shows which factors are pulling a business below that line, and what to fix.
What Drives the Score

Five Inputs.
One Number.
Huge Impact.

The FICO SBSS blends business credit bureau data, personal credit data, and public financial information into a single score from 0 to 300. Understanding what pulls it up or down is the first step to improving it.

See a Live Demo
160
Minimum score for
most approvals
0–300
Full scoring
range
Business Credit Bureau Data
Payment history, open trade lines, and credit utilization pulled from Dun & Bradstreet, Experian Business, and Equifax Business. The longer the positive history, the higher this component scores.
High influence
Owner's Personal Credit
For businesses under five years old or with thin credit files, the SBSS model leans more heavily on the principal owner's personal FICO score. Improving personal credit directly moves the SBSS needle.
Moderate–high influence
Business Financial Data
Revenue trends, years in operation, number of employees, and other financial statement indicators visible in public records or provided during a loan application all factor into the model.
Moderate influence
Public Records & Liens
Tax liens, judgments, bankruptcies, and UCC filings are heavily penalized. A single public record can drop a score below the 160 threshold instantly, regardless of how strong the other inputs are.
Very high negative impact
Industry & Business Type
NAICS codes tie to industry default rates. Businesses in higher-risk categories start from a lower baseline. Understanding the classification, and correcting errors in it, can meaningfully improve the score.
Baseline modifier
Your Report, Branded Your Way

A Report That Opens the Right Conversation

Every time a prospect completes your 150 data point pre-qualification scan, the platform generates a Business FICO SBSS report, white-labeled with your brand, showing the specific factors affecting their score and a clear optimization path.

  • Key SBSS input factors with a visual strength indicator
  • Color-coded approval status relative to the 160 threshold
  • Key improvement recommendations specific to this business
  • Runs unlimited, included in all private label subscriptions
  • Pairs with the Bankable Status Report and Funding Range Report
Example Business FICO SBSS Report showing key score factors, generated by OwnersPath
How It Works

From Scan to Conversation in Seconds

The report is a tool for opening dialogue, not a final determination. Here's how it fits into your client workflow.

Prospect Runs the Scan
They complete the 150 data point pre-qualification form on your private-labeled platform.
Report Is Generated
The platform processes the scan data and produces a factor-by-factor SBSS report showing what to address.
You Review Together
Walk the client through their score, the 160 threshold, and what it means for their financing options.
Build a Clear Path
Use the report findings to enroll them in a credit-building program and schedule a follow-up scan.