解释为什么商业信用对小企业很重要的 10 个统计数据

Posted by Digital Marketer on March 2nd, 2024

统计学在商业中有很多应用，在决策、发现新趋势和做出预测方面发挥着重要作用。 根据小型企业管理局的说法，如果您是小型企业主，那么您就是美国 2880 万小型企业主中的一员。

虽然有大量涵盖广泛领域的可用统计数据，但在本文中，我们收集了 10 项统计数据来解释为什么 網 上 申請 貸款 对当今的小企业主很重要。

Similar to personal credit, business credit determines whether your company can be trusted with the way it manages its money. Think of your business credit report as a measure of your business's financial reputation. Here are ten statistics that illustrate the importance of establishing credit for your business.

27% of businesses surveyed by NSBA claimed they were unable to access the funding they needed. For these quarters, the most common main impact of a lack of finance is preventing them from growing their business.
46% of small businesses use personal credit cards. According to research conducted by MasterCard®, many small businesses fail to separate business and personal expenses.
According to the NSBA Small Business Capital Access Study, 20% of small business loans are denied for business credit.
In the first six months of 2013, Dun & Bradstreet received 45 million business credit report requests, and Equifax Commercial received 35 million, according to Creditera.
The 2015 Nav American Dream Gap Survey revealed that 45% of small business owners surveyed did not know they had a business credit score, 72% did not know where to find information about their business credit score, and 82% People don't know how to get their scores interpreted.
According to Demand Media's Small Business in 2015, many lenders consider a business credit score of 75 to be "acceptable," making it harder for people with lower scores to get small business loans.
According to 2015 Cardhub data, the average business takes 12-18 months to improve its business credit score.
One-third of small business owners borrow money from family and friends, while 75% of funding for young companies comes from bank loans and business credit, according to Bolt Insurance.
According to Dun & Bradstreet, 90% of the Fortune 500 and companies of all sizes around the world rely on their data, insights, and analytics to streamline operations, manage risk, improve targeting, source quality leads, foster customer relationships, and— The most important thing is - growth.
Mercator Consulting Group study finds 0 billion in small business credit card spending, or in every going to general-purpose cards
Obtaining business credit is the lifeblood of a business. It allows you to obtain the capital you need to expand, cover overhead expenses, purchase inventory, hire additional employees, and allows you to conserve cash on hand to cover your operating costs.

By taking the necessary steps to establish business credit, your business will have greater access to financial opportunities. Banks, lenders, and suppliers rely on business credit reports to assess a company's creditworthiness. With strong business credit, you create a safety net for your business, so you should have easy access to the business funding you need.