The Tillful
Business Credit Score

Discover how it works and why it’s important for
your business’s financial health.

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Your business
credit score

The score is a real-time reflection of a business’s financial health. It measures reliability and predicts the chance of on-time payments.


How it’s

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


The complete

Connect as many of your bank and credit accounts as you’d like to get a holistic view of your business’s financial health.

Get more than a score.


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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Know what’s behind your number.

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.


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.

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

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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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Better your financial future.

Still have questions?