08/31/2026
Think an 800 credit score guarantees zero-percent business capital? Think again. 💳
Lenders care heavily about your utilization ratio:
❌ 90% Utilization: Signals financial strain to underwriters.
❌ 0% Utilization: Leaves lenders with zero repayment data.
✅ 20% Utilization: The sweet spot that proves active stewardship and unlocks credit stacking ($50k–$350k).
Watch out for business cards that report to personal credit! 📊