Business Skoor™
Your business health. One number, 0–100.
Business Skoor updates daily from your real financial activity — card spend, bill pay, and merchant processing. No bureau lag, no trade-line paperwork. Higher score, higher limits, automatically.
How It Works: Three Pillars
Your Business Skoor is the sum of three independently scored pillars, so you can see exactly where to improve. No black boxes.
Pillar 1: Agent Score
Your card usage and account behavior. On-time settlement, policy compliance, and healthy spending patterns move this pillar.
Pillar 2: Merchant Services
Your payment processing activity. Volume consistency, low dispute rates, and clean settlement history move this pillar.
Pillar 3: Business Credit
Your bill payments and vendor relationships. On-time vendor payments and diversified spending move this pillar.
Deep dive: how each pillar is calculated.
Score Tiers
Exceptional
80–100
Top-tier businesses with strong performance across all three pillars. Highest card limits and full feature access.
Very Good
70–79
Strong financial health with consistent activity. Elevated limits and accelerated approvals.
Good
60–69
Solid track record with room to improve. Standard limits and normal settlement timing.
Fair
50–59
Mixed signals or limited history. Standard access with clear recommendations to improve.
Poor
0–49
Every business starts here. Your score builds from your first transaction — no bureau file required.
See tiers and credit limits in detail.
What Your Score Unlocks
Business Skoor isn't a report card — it's a control surface. Your score directly gates limits and features, creating a feedback loop where improving it immediately unlocks capability.
Merchant processing approval
Interchange-plus payment processing unlocks once your score shows baseline health.
Plus-tier features
Advanced automation and controls are offered automatically when your score reaches 40.
Card limits adjust automatically
When your Business Skoor changes tiers, your card limits update within minutes. No paperwork, no phone calls.
Built for How Businesses Actually Operate
FICO (300–850) measures personal credit from bureau data that updates monthly. PAYDEX (0–100) requires vendors to manually report trade lines. SBSS (0–300) blends personal and business credit for SBA lending. All three are lagging indicators built on third-party data.
Business Skoor uses first-party data from your actual operations and updates every day. It scores three distinct dimensions instead of one opaque number, and it's portable — vendors and partners can request it as a trust signal, and it powers your directory SkoorCard. Read the full comparison.
Documentation
Understand your score inside and out
What is Business Skoor?
The 0-100 score, the 0-1,000 BHS engine behind it, and how it differs from FICO, PAYDEX, and SBSS.
The Three Pillars
Agent Score (0-40), Merchant Services (0-30), Business Credit (0-30). How each is calculated.
Score Tiers and Credit Limits
Building to Exceptional. Daily spending limits and feature access at each tier.
How to Improve Your Score
Actionable recommendations for each pillar with estimated point impacts.
Score History
Daily snapshots, trend analysis, and score change notifications.
Score API
Developer docs for /v1/business-health/* endpoints. Authentication, rate limits, examples.
Frequently Asked Questions
What is a Business Skoor?
Business Skoor is SKOOR's 0–100 business health score. It is computed from three pillars — card and account behavior, merchant processing, and business credit — using first-party data from your actual financial activity, and it updates daily.
How is Business Skoor different from FICO, PAYDEX, or SBSS?
Traditional business credit scores rely on lagging bureau data that updates monthly and often requires manual trade-line reporting. Business Skoor uses real-time, first-party signals — card transactions, bill payments, and processing volume — so it reflects your business today, not six months ago.
What does my Business Skoor unlock?
Your score directly controls your daily card limits, feature access, and merchant processing eligibility on SKOOR. Improving your score immediately unlocks more capability — limits adjust automatically within minutes of a tier change.
How do I check my Business Skoor?
Sign up free, connect your activity, and your score appears in your dashboard under Score. It starts building from your first transaction — there is no minimum history requirement.
Is Business Skoor the same as the Business Health Score (BHS)?
Yes. Business Skoor is the public 0–100 view of SKOOR's Business Health Score engine, which computes a raw 0–1,000 score across the same three pillars. Divide the raw BHS by 10 to get your Business Skoor.
Does SKOOR also score AI agents?
Yes — that's the Agent Score, a separate 300–850 credit score for autonomous AI agents with a public methodology. Agent behavior on your account also feeds Pillar 1 of your Business Skoor.
Looking for the AI agent score?
SKOOR also publishes the Agent Score — a 300–850 credit score for autonomous AI agents with a transparent, published methodology.
See your Business Skoor
Start free. Your score builds from your first transaction and your dashboard shows exactly how to improve it.