What is a business credit score and how does it work?
Your business’ credit score reflects its creditworthiness and iIt can be improved.
4 min read
Sep 05, 2025
Olivia Chen
Senior Writer, SMB Loans
EXPERTISE
- Small-business
- Small-business loans
- Finance
EDUCATION
- B.A. in anthropology, University of Notre Dame
- ABA certified in Business and Commercial Lending
Olivia comes to Bankrate with eight years of experience in small business — both in small-business lending and covering small-business loans. She has a strong background in translating complex financial information into clear and engaging narratives.
Olivia is certified in business and commercial lending through the American Banker’s Association. Her writing has appeared in The Associated Press and NASDAQ among other publications.
Olivia beyond Bankrate
Olivia's latest articles
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What’s happening with the “de minimis” exemption and how it could impact small businesses
The De Minimis Tax Exemption has ended. What does that mean for business owners?
2 min read Sep 03, 2025 -
Small business statistics in 2025
Small businesses are vital to the economy, making up a large part of the workforce.
5 min read Sep 03, 2025 -
SBA loan collateral vs. guarantee: What you need to know
A personal guarantee or collateral may be required for SBA loans. Learn the differences and requirements here.
4 min read Sep 02, 2025 -
Best Low-interest Business Loans in August 2025
Finding a business loan with the lowest rates can save you thousands of dollars. Check out our picks for low-interest business loans.
17 min read Aug 27, 2025 -
What is a merchant cash advance?
Learn what a merchant cash advance is and what fees and terms to expect.
6 min read Aug 26, 2025 -
Can’t Get a Small-Business Loan? CDFIs May Offer a Better Way
Community Development Financial Institutions offer resources to small-business owners no matter the economic conditions.
5 min read Aug 25, 2025 -
How to get a business loan with bad credit
You can get a business loan with bad credit. Learn how to boost your approval odds.
11 min read Aug 18, 2025