Tillful is an app to help business owners build strong business credit and stay on top of their financial health. We harness the insights we've gained through years of developing AI-based credit models for lenders to help empower small businesses in taking control of their credit health. Unless traditional credit bureaus that rely on static data, Tillful uses connected bank account(s) of your business to monitor the financial health and to generate your Tillful business credit score in real-time basis.

How do I check my business credit score for free?

Follow these simple steps to check your business credit score for free with Tillful:n 1. Create a Tillful accountn 2. Find your company 3. Connect your bank account(s)n 4. View your free business credit score

What are the ranges for Tillful credit scores?

Excellent: 83 - 100n Good: 76 - 82n Fair: 66 - 75n Poor: 52 - 65n Very Poor: 0 - 51

How does Tillful calculate my business credit score?

To calculate your business credit score, we take into consideration various factors such as business industry, size, credit utilization, payment history, promptness of payment, among others. In addition, we leverage our AI-based credit model that has been trained and benchmarked with thousands of data points based on businesses operating in the United States.

The Tillful Business Credit Score

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

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 measured

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

The complete picture

Connect as many of your bank and credit accounts as you’d like to get a holistic view of your business’s financial health. Check company credit score details at your convenience.

Get more than a score.

Free. Accessible. Real Time.

There is no need to pay for expensive credit reports from traditional business credit bureaus. With our alternative credit scoring resource, you get unfettered access to your credit score any time (without it ever hurting your score!), along with email notifications when your score changes.

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.

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

Your data is safe and secure.

You can rest easy knowing your score is never shared with any lender. 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 the financial health of your business so you have access to the most accurate, up-to-date, and helpful information.

Is your business getting the credit it deserves?

Get Your Free Score

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