FairFigure Business Credit Monitoring Services

FairFigure is a business credit monitoring service, business financing company, and business credit builder platform. It empowers businesses by allowing accurate insights into your business financials, business credit scores, and same-day access to business credit-building funds with the FairFigure Business Capital Card.

FairFigure is for any business in the United States who is looking to get funded. If you’re brand new or established our Foundation Report provides tri-bureau Commercial Monitoring and Score Boosting.

If your business has just started to pick up and you’ve been around for 3 months or more and have at least $2,500 in deposits, you can apply for the FairFigure Capital Card to supercharge your scores and get funded today. Already doing $5,000+ a month? We have even more funding options available to you using just your EIN.

Our Business Credit Program utilizes your EIN only. For KYC (Know Your Customer) and AML (Anti-Money Laundering) we are required to collect certain information about you to prevent terrorism and fraud. This includes your SSN and Home Address.

This information is not used for funding decisions and will not impact your personal credit scores.

Neither. We analyze your business data and generate offers based on what we expect your future revenue to be. These deposits are purchased by us at a discounted rate, and funded to your FairFigure Capital Debit Card.

What does this mean for you? No personal credit checks, no personal guarantees, and no confusing payments or APRs. You select the payback terms that work best for you, we fund the full amount to your card for use today, and we report your payments to the bureaus boosting your business credit scores.

FairFigure allows you to check your business credit scores with Dun & Bradstreet, CreditSafe, and Equifax. FairFigure reports to Equifax Commercial, CreditSafe USA, SBFE, as well as our own Foundation Report. We’ve selected these data providers based on our extensive research and development into what lenders are looking for. Our data rubric was based on data accuracy & vendor adoption.

What this means for you is that our #1 goal is to get your business funded with the best data possible.

Your business data is safe with FairFigure.

Secure Analysis: We use Plaid for secure read-only access to your financial data. Your login information is never exposed.

Data Protection: We don't store private personal information. Our data center is PCI compliant and certified for maximum security.

Business credit monitoring services like FairFigure help small business owners in five main ways.

First, credit monitoring allows you to quickly identify any errors that could potentially harm your business credit score. For instance, an incorrectly reported late payment that you actually made on time could be promptly spotted so you can take swift action. That way, you can resolve the issue before it has a chance to negatively impact your business credit history.

Next, you get up-to-date information as you build your business credit report. With business credit monitoring services like FairFigure and Business Credit Advantage, you can stay on top of your trajectory and see things from a lender’s perspective.

Third, credit monitoring keeps you up-to-date on your business credit score so you know whenever changes — good or bad — occur. In turn, you can make better decisions when seeking business financing and potentially find lower interest rates and fees.

Fourth, you can always be sure your business tradelines are reported on time and correctly. Given that your payment history from business credit card payments, business loans, and vendor payments heavily impacts your business credit score, this helps you stay on top of things so you can consistently build your business credit.

Finally, specifically using FairFigure as a business credit monitoring service gets business owners two additional tradelines for an affordable price. That way, you can improve your business credit score even more to open the door for future business financing.

This makes it easier to qualify for the best credit cards and get a higher credit limit to boost cash flow for a significant business advantage.

As a small business owner, you should always be on the lookout for credit reporting errors. Just like with a personal credit report, inaccuracies on business credit reports are quite common, so you should never assume that what’s reported is 100% correct.

Mistakes like an account being closed that’s still open, incorrect payment delinquencies, or incorrect credit utilization can hurt your business score, even if it’s no fault of your own. Therefore, it’s important to proactively monitor with a tool like FairFigure’s Business Credit Monitor before they escalate.

Accounts that you have that aren’t being reported should also be on your radar with credit monitoring. Just like with a personal credit score, reporting positive payment history is an integral factor in building your business credit score. That’s why business owners should be leveraging everything they can to raise their business credit scores.

Whether it’s a lender, a small business product supplier, or any other type of account, this all contributes to improving your overall business credit report. Without properly reporting payment activity to at least one business credit bureau, you’ll likely miss out on small business credit-building opportunities.

Next, look for how many accounts you have and what types of accounts they are. With vendor tradelines, for example, it usually takes 5 - 10 tradelines to build any legitimate momentum.

On the other hand, having just one business credit card can have a tangible impact. That’s why you’ll want to know the quantity of each type of account.

Finally, pay attention to how old your accounts are. Because the length of your business credit history is a big contributor to your credit score, you’ll want to keep a close eye on this as well with either paid or free credit monitoring.