Yes, with BusinessBuild, you can monitor your business credit scores and ratings directly through the Lili Web App, powered by a live integration with Dun & Bradstreet (D&B).
This is your business's financial reputation: the number lenders, suppliers, and potential partners check before extending credit, offering payment terms, or entering contracts.
What You Can See
Once connected, your BusinessBuild dashboard gives you access to:
- D&B PAYDEX Score: your primary business payment score (0 to 100 scale)
- D&B Credit Rating: a combined risk assessment based on financial strength and composite risk
- Score change alerts: real-time notifications when your D&B profile is updated
- Six key credit factors: including payment history, credit utilization, account age, and outstanding debts
Why Your Business Credit Score Matters
A strong business credit score works independently from your personal credit, and that separation is valuable:
- Access to financing: A higher score unlocks better loan terms, lower interest rates, and larger credit lines
- Supplier relationships: Vendors check business credit before extending net-30 or net-60 payment terms
- Lower operating costs: Good business credit can reduce insurance premiums and improve lease terms
- Business credibility: Investors and partners review credit profiles as part of due diligence
How Lili Helps You Build Your Score
Monitoring is only half the picture. BusinessBuild actively helps you improve your score through two reporting channels:
- BusinessBuild tradeline: Your BusinessBuild monthly fee is a tradeline. The moment you enroll, your monthly plan payment starts reporting to Dun & Bradstreet - building business credit history with every on-time payment, before you ever swipe a card.
- BusinessBuild Card tradeline: Every on-time payment on your BusinessBuild Card is reported to D&B turning everyday spend into a second line of credit history.
This dual tradeline structure means your score builds through both how you bank and how you pay, giving LLCs, S-Corps, C-Corps, and partnerships two simultaneous paths to a build a credit profile.
How to Access Your Business Credit Dashboard
Business Credit is available on the Lili Web App (desktop) only.
- Log in at app.lili.co
- From the main menu, click Business Credit
- If this is your first time, click anywhere in the right-hand window to activate your BusinessBuild connection
- If your DUNS number is not displayed automatically, click Get Your D-U-N-S Number, claim your number on the D&B website (this process can take up to 30 days), then enter it in the DUNS number field and click Save
- Click Check Your Business Score Rating to view your full dashboard
Frequently Asked Questions
Does checking my score through Lili affect my credit?
No. Viewing your own business credit score is a soft inquiry and does not impact your D&B score or any bureau profile.
Does my personal credit score affect my Lili business credit dashboard?
No. Business credit scores are tied to your EIN, not your personal SSN. Opening a Lili checking account does not trigger a personal credit check.
My DUNS number is not showing. What do I do?If you have activated BusinessBuild but do not see a DUNS number, click Get Your D-U-N-S Number to register one via D&B directly. Registration can take up to 30 days. If you already have a DUNS number, enter it manually in the input field.
Can I access this on mobile?The Business Credit dashboard is currently available on the Lili Web App (desktop) only.