When submitting clients for business funding banks can/will look at the business credit reports and personal credit reports. They use the personal credit reports to see your ability to repay and manage debts and they factor in utilization, credit history, on time payments and how many accounts you have.
They use the business credit reports to see if you have any negative items on your business and to see that you are managing your busienss debts/obligations appropraitely as well. If the clients have anything reporting to their business yet that is.
