The FICO Small Business Scoring Service (SBSS) was introduced in 1993. It gained prominence in 2014 when it was selected by the SBA for 7(a) loan approvals. Since then, like FICO for personal credit lending decisions, it has become dominant in the banking industry for business cash type loans. As of 2025 it is projected to become more of the credit rating standard for small business lending.

The business FICO scoring range is from 0 to 300 with a score of at least 160 required for most approvals. The score is generally not used as a stand alone underwriting loan approval tool, but rather as a tool to quickly decline those businesses falling below the 160 score.

As private label client, when your prospects run your 150 data point pre-qualification scans the Business FICO Report is auto-generated to provide them with a gauge of where their business current stands in building a strong FICO SBSS and to assist you in stressing the importance to your clients that they realize the importance of their business FICO score.

Running unlimited Business FICO Reports along with the 150 data point pre-qualification scans are included with your private label subscription.