Free tool
Paydex Score Estimator
D&B doesn't publish a Paydex until you have 3+ reporting trade lines. This tool estimates where you'd land based on the same factors D&B uses.
Your inputs
Tell us about your business credit file
Vendors that report to D&B and have a paid invoice on record. Uline, Quill, Grainger, Sherwin-Williams count. Amazon Business and Home Depot don't report to D&B.
Time between the invoice due date and when you actually pay. If mixed, pick your typical behavior.
Months since your first paid invoice was reported to D&B (not since you opened the account).
Estimated Paydex
Prompt
Breakdown
- Payment behavior: Prompt (~80 base)
- Depth of file: Exactly at 3-line minimum — vulnerable to single-line swings
What the numbers actually mean
Most vendors want Paydex 75+ before they extend Net-30 to a new customer. Lenders want 80+ before they issue business credit cards.
Continue in Sterling
Track your real Paydex over time
Sterling logs your Paydex scores, forecasts when you'll hit key thresholds (like 65 for tier-3 cards or 80 for prime terms), and tells you the exact next action to lift the score. All the guides and vendor apply flows too.