Reference · Bankable One
The Fundability Lexicon
The language banks, bureaus, and lenders actually use — defined in plain English, from the perspective of the credit committee reading your file.
A living reference. New terms added as the Bankable One methodology extends.
Bank Rating
A bank rating is the internal grade a bank assigns to a business's primary operating account based on average daily balance, deposit consistency, NSF history, and account age. It is one of the first things a bank pulls when it underwrites a loan to an existing customer.
Business Credit Tiers
Business credit tiers are the sequenced layers of trade and financial credit a business qualifies for as its file matures. The standard sequence is tier one (foundational vendor net-30 accounts), tier two (revolving trade and store credit), tier three (fleet and cash credit), and tier four (bank credit lines and business credit cards underwritten on the entity).
Business Fundability
Business fundability is the measurable degree to which a company is prepared to be approved for institutional capital — bank debt, SBA financing, or private credit — before it ever asks. It is a state you engineer, not a score you inherit.
Capital Readiness Score
The Capital Readiness Score™ is Bankable One's 0–100 rating of how prepared a privately held business is to secure institutional capital today. It maps directly to the specific gaps standing between the business and approval.
DUNS Number
A DUNS Number is a unique nine-digit identifier assigned to a business entity by Dun & Bradstreet. It is the primary key under which D&B tracks a company's trade credit history, PAYDEX score, and business credit file.
EIN-Only Business Credit
EIN-only business credit is credit extended to a business entity — underwritten against its EIN, business credit file, and cash flow — without a personal guarantee from the owner. It is the outcome of a mature, properly built business credit profile, not a starting point.
Net-30 Vendor Account
A net-30 vendor account is a trade credit line from a supplier that lets a business receive goods or services now and pay the invoice in full within 30 days. When the supplier reports the account to a business credit bureau, it becomes a foundational tradeline in the business credit file.
PAYDEX Score
The PAYDEX Score is Dun & Bradstreet's 0–100 measure of how promptly a business pays its trade suppliers. A score of 80 means the business consistently pays on the due date; anything above 80 means it pays early.
Personal Guarantee
A personal guarantee is a written promise from a business owner to repay a business debt personally if the business fails to. It moves liability from the entity to the individual and, in most cases, allows the lender to report the account to the guarantor's personal credit file.
UCC Filing
A UCC filing is a public notice filed by a lender under Article 9 of the Uniform Commercial Code declaring a security interest in specific business assets — or, in the case of a UCC-1 "blanket lien," in all assets of the business. It establishes the lender's priority claim if the business defaults.
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