Business Principal Score
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Why Choose Business Principal Score?
When business owners tap personal credit lines to fund payroll, buy inventory, and drive growth, evaluating them with a standard consumer score may miss the full financial picture. You risk declining creditworthy applicants simply because their credit profiles look unconventional.
Business Principal Score pairs Canada’s largest commercial database with AI technology to deliver a sharper, highly predictive risk assessment of the individual behind the business.
How to Apply These Insights Across Portfolios
Business Principal Score delivers risk ratings tailored to actual credit usage. This clarity helps you to approve higher-value applicants who might be harder to identify, sharpening your competitive advantage.
Commercial and SMB Banking
Score younger, thin-file businesses instantly without waiting years for commercial credit histories to build.
Consumer Lending
Spot business owners during consumer originations so business-driven balance spikes don’t trigger false declines.
Strengthen Your Commercial Lending Performance
Evaluating business owners with standard consumer profiles means limiting your lending potential. Purpose-built for Canada’s 2.6+ million self-employed individuals and small business owners, Business Principal Score delivers a 14% lift in delinquency prediction* over standard consumer models in early testing. The score uses AI technology to generate a real-time risk assessment score ranging from 300 to 900. The higher the score, the lower the default risk.
*Equifax behavioural data
See Beyond Consumer Scores
With Business Principal Score from Equifax, your team gets the clear picture needed to help automate decisions, manage risk, and convert hidden market potential into sustainable growth.
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