Find your business credit score fast

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Check your business credit score for
free in 60 seconds

MYOB has partnered with OnDeck to let you check your business credit score quickly and easily with their free online tool: Know Your Score.

When checking with a bank or lender, it typically has a negative impact on your credit score. That's not so with Know Your Score. You can do your check and establish the health of your business without leaving a footprint of lowering your business credit score.

Fast and free

Done in 60 seconds

What you need

Personal information, your ABN, time in business and revenue

Risk Free

Check your score
without it being lowered

About MYOB Loans and OnDeck

At MYOB, we help small businesses succeed. We know that growing your business can be tough, and accessing finance isn’t always easy. By partnering with OnDeck to bring you MYOB Loans, we’ll help your business get ahead. 

Learn more here.


Who is OnDeck?

OnDeck has partnered with MYOB to help MYOB customers access financing solutions for their businesses.  OnDeck is a direct lender of business loans (also called “working capital” loans) to the small business market. OnDeck is not a “peer to peer” lender or crowd funder and does not lend to consumers.

What is MYOB’s relationship with OnDeck?

OnDeck Capital Australia Pty Ltd (“OnDeck Australia”) is a subsidiary of US-based On Deck Capital, Inc. MYOB holds a 30% stake in OnDeck Australia and earns a commission on loans referred to OnDeck Australia.

Who is Equifax?

Equifax is a global information solutions company and the leading provider of credit information and analysis in Australia and New Zealand. Equifax powers the financial future of individuals and organisations around the world. Equifax helps its customers make informed financial decisions by using the combined strength of unique trusted data, technology and innovative analytics.

Equifax is headquartered in Atlanta, GA. Equifax operates or has investments in 24 countries in North America, Central and South America and Europe. More recently, Equifax expanded into the Asia Pacific region, with the acquisition of Veda, a data analytics company and the leading provider of credit information and analysis in Australia and New Zealand. Combined the companies bring nearly 170 years of data and insights experience to the marketplace.  

What is a business credit score?

Your business credit score is a numeric indicator that is used by banks and lenders when assessing finance applications. So, by knowing what your business credit score is, you can get an indication of the health of your business. A credit report differs slightly from a credit score. While a credit report contains the details of your credit history to date, a score is simply a number which is derived from the information on your credit report.

Is my business credit score different to my personal credit score?

Yes, your business credit score is different to your personal credit score. A business Equifax Score uses commercial indicators. These include registered defaults, potential loan enquiries or any external administrations that may be registered against a business. Alternatively, a personal credit score is a number that represents the information contained in your personal credit report.

What do I need to check my business credit score?

All you need is some personal information, and the following basic business information:
Your ABN, time in business and revenue.

How long does it take to receive my business credit score?

As soon as you complete the form and click “submit”, your business credit score will be generated and will appear on the next page.

Are there any fees or charges associated with requesting my business credit score?

No. You’re under no obligation to apply for a loan or any other product from MYOB or OnDeck by requesting and obtaining your business credit score.

Are there any obligations to apply for a loan with MYOB Loans?

No. You’re under no obligation to apply for a loan or any other product from MYOB or OnDeck by requesting and obtaining your business credit score.

Will I receive marketing offers from MYOB Loans Powered by OnDeck?

When you order your Business Credit Score, you provide consent to MYOB Loans powered by OnDeck to send you marketing material around our business financing options. However, you can opt-out of this communication at any time by changing your communications preferences here.

What may happen with my personal information?

MYOB Loans powered by OnDeck uses your business credit score as one data point in assessing loan applications. However, we also use others. You may be in a good position to receive a loan based on a strong business credit score. Though, keep in mind, whether or not you’re offered a loan is subject to you completing an application. You can find out how to apply for a loan here.

Does a good score mean I am approved for a loan?

To access the Equifax score for your business, you will be asked to agree to the Equifax terms and conditions. For ease of reference these terms and conditions are inserted below:

I agree that Equifax and OnDeck can use and disclose my personal information to contact me about other goods and services offered by the Equifax Group or OnDeck and use that information for direct marketing purposes. I agree to receive communication via email, SMS or other electronic communication, or by phone or mail.

Your Personal Information may be used by Equifax in accordance with these terms and conditions. If you wish to opt out from receiving marketing material from Equifax, please find the details here.

Does finding out my business credit score impact my credit rating in any way?

No, OnDeck’s Know Your Score program does not leave a footprint on your credit profile. This means your business credit score will not change as a result of finding out your score.

Who is this service available to?

Finding out your business credit score from the Know Your Score service is only available to companies and businesses with an ASIC registered business name.

What if my business doesn’t get a credit score?

There are a couple of reasons why your business may not receive a business credit score:

  1. Your business isn’t registered with ASIC. Scores can only be provided for Companies or Sole Trader and Partnerships that have a registered business name.
  2. The business and/or all of the directors/proprietors are not currently credit active or have not been credit active (credit active is where a person or organisation has had a credit enquiry recorded on the Equifax Bureau in the past 5 years).
  3. There is a petition to wind up or the business is under External Administration.
  4. At least one of the directors and/or proprietors has been insolvent in the last 7 years.

While this information is useful, it is worth investigating further why your business doesn’t have a credit score. When you use the Know Your Score tool you’ll be given more information on what to do next.