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The Tillful Business Credit Score

Discover how it works and
why it is important for your business


What does the number mean?

Score (0 – 100) Score Level
83 – 100 Excellent
76 – 82 Good
66 – 75 Fair
52 – 65 Poor
0 – 51 Very Poor

The Tillful Credit Score is a real-time reflection of the company’s financial health. It measures credit reliability and predicts the chance of a business consistently making on-time payments.

The score is measured on a scale from 0 to 100. The highest score represents excellent credit, while the lowest score represents an increased level of risk. 

You can access your free credit score and see where your business stands by connecting as many of your bank and credit accounts as you’d like.

Get more than a score

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Free. Accessible. Real-time.

There is no need to pay for expensive credit reports. You get unfettered access to your credit score any time, along with email notifications when your score changes.

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Know what lenders look for

While every lender is a little different, our credit model can help you determine whether you’ll qualify for a credit product before you apply.

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Factors that affect your credit

We share the top factors that impact your score. So you can focus your efforts where it counts and take steps to improve your score.

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A modern credit score model for today

Unlike traditional credit scores from D&B, Experian, and Equifax, which are based on static factors, Tillful is powered by a cash-flow-based model that uses real-time transaction data.

How it works



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Tillful uses real-time transaction data from bank and credit card accounts. Then we apply our machine learning based credit model to find patterns from cash flow data in order to accurately assess business credit scores. In addition to traditional factors, such as payment history, these cash flow patterns could include:

  • Increasing or decreasing trend in your cash balance
  • Irregularities in inflow and outflow
  • Usage of overdraft facilities
  • And other factors

Your data is safe and secure


You can rest easy knowing your score is never shared with any financial institutions. It’s kept private and confidential at all times. We employ bank-level encryption to guarantee your security and privacy, so only you have access to your information.


Your data is only used to generate your Tillful Business Credit Score and analyze financial health in our dashboard so you have the most accurate, up-to-date, and helpful financial information.

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