Credit Scoring
Business Skoor
A 0–1,000 composite score that measures the financial health of your business across three pillars. Updated in real time, the Business Skoor drives your card limits, approval thresholds, and AI agent autonomy level.
Overview
The Business Skoor score is a single number that captures the operational and financial strength of your business. Unlike traditional credit scores that rely on static bureau data, BHS updates continuously based on live transaction data, AI agent performance, and merchant services health. It is the foundation for every automated decision SKOOR makes on your behalf.
Available on all plans. Admin and Owner roles see the full score breakdown. All team members see the overall score and their contribution to it.
The Three Pillars
BHS is composed of three equally weighted pillars, each scored independently and combined into the 0–1,000 composite:
- AI Agent Performance:Measures how effectively your AI agents handle financial tasks — accuracy of expense coding, speed of invoice processing, compliance adherence, and exception rates
- Merchant Services Health:Evaluates your payment processing performance — chargeback ratio, transaction volume trends, settlement reliability, and PCI compliance status
- Business Credit Fundamentals:Assesses core financial health — payment history, cash flow consistency, revenue trends, and credit utilization
Score Tiers
Your BHS falls into one of five tiers, each unlocking different capabilities within SKOOR:
| Tier | Range | Impact |
|---|---|---|
| Poor | 0–300 | Minimum card limits, manual approval required for most transactions |
| Fair | 300–500 | Standard limits, basic auto-approval enabled |
| Good | 500–700 | Elevated limits, expanded auto-approval thresholds |
| Excellent | 700–850 | High limits, full zero-touch workflow access |
| Exceptional | 850–1,000 | Maximum limits, priority support, advanced AI autonomy |
How BHS Drives Decisions
Your BHS is not just a number — it actively controls platform behavior:
- Card limits: Higher score = higher credit limits, adjusted automatically as your score changes
- Approval thresholds: Higher score = higher dollar amounts eligible for auto-approval
- Agent autonomy: Higher score = more tasks delegated to AI without human review
- Interchange rates: Higher score = eligibility for preferred processing rates
Improvement Recommendations
SKOOR doesn't just show you a score — it tells you how to improve it. The BHS dashboard surfaces actionable recommendations ranked by impact:
- Pay vendor bills before due date to improve payment history
- Reduce chargeback ratio by addressing dispute root causes
- Connect QuickBooks for real-time revenue visibility
- Enable zero-touch workflows to improve AI agent performance
- Maintain consistent transaction volume month over month
Score History and Trends
Track your BHS over time with daily, weekly, and monthly trend views. See which pillar drove changes and correlate score movements with specific business events. Compare your score to industry benchmarks for businesses of similar size and sector. Export score history as CSV for board reports or lender presentations.
Key Capabilities
- 0–1,000 composite score updated in real time
- Three pillars: AI agent performance, merchant services health, business credit
- Five tiers: Poor, Fair, Good, Excellent, Exceptional
- Score drives card limits, approval thresholds, and agent autonomy
- Actionable improvement recommendations ranked by impact
- Score history with daily, weekly, and monthly trends
- Industry benchmark comparisons
- CSV export for board reports and lender presentations
See your Business Skoor
Sign in to view your score breakdown, improvement recommendations, and trend history.
Go to Dashboard