How does a business loan affect my credit score?

By Lendingkart

Posted on: November 27, 2025

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A business loan can affect your personal credit score in different ways, depending on how you manage it. If you make timely payments and maintain a low credit utilization ratio, a business loan can help improve your credit score and demonstrate your creditworthiness. However, if you default on your loan or make late payments, it can hurt your credit score and lower your chances of getting approved for other loans in the future.

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First Name (as per PAN)

Last Name (as per PAN)

Email ID

Phone Number

Do you have business registration proof?

Type of business

PIN Code

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