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Know Your Score

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Know Your Score


Typically in Australia, your credit score is negatively impacted each time you check it through a lender or bank. With OnDeck’s ‘Know Your Score’, you can check your business credit score without leaving a footprint. This way, you can establish the health of your business without the risk of lowering your business credit score!

‘Know Your Score’ is absolutely free, secure and immediate. Simply provide your company details and your score will be provided there and then, by Equifax. Once you receive your business credit score, there is no obligation to apply for a loan from OnDeck, or any other financial services provider.  OnDeck will apply our own credit assessment which will be different from your free Equifax business credit score.  

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Frequently Asked Questions

Equifax is a global information solutions company and the leading provider of credit information and analysis in Australia and New Zealand. Equifax powers the financial future of individuals and organisations around the world. Equifax helps its customers make informed financial decisions by using the combined strength of unique trusted data, technology and innovative analytics. Equifax is headquartered in Atlanta, GA. Equifax operates or has investments in 24 countries in North America, Central and South America and Europe. More recently, Equifax expanded into the Asia Pacific region, with the acquisition of Veda, a data analytics company and the leading provider of credit information and analysis in Australia and New Zealand. Combined the companies bring nearly 170 years of data and insights experience to the marketplace.

Your business credit score is a numeric indicator that is used by banks and lenders when assessing finance applications. So, by knowing what your business credit score is, you can get an indication of the health of your business. A credit report differs slightly from a credit score. While a credit report contains the details of your credit history to date, a score is simply a number which is derived from the information on your credit report. For more information, click here.

Yes, your business credit score is different to your personal credit score. A business Equifax Score uses commercial indicators. These include registered defaults, potential loan enquiries or any external administrations that may be registered against a business. Alternatively, a personal credit score is a number that represents the information contained in your personal credit report.

All you need is some personal information, and the following basic business information: Your ABN, time in business and revenue

As soon as you complete the form and click “submit”, your business credit score will be generated and will appear on the next page.

The Equifax business credit score is provided to you free of charge. There are no hidden fees or charges.

No. You are under no obligation to apply for a loan or any other product from OnDeck by requesting and obtaining the business credit score.

When you order your Business’s Credit Score, you provide consent to OnDeck to send you marketing material around our business financing options. However, you can opt-out of this communication at any time by emailing

To access the EquifaxScore for your business, you will be asked to agree to the Equifax terms and conditions. For ease of reference these terms and conditions are inserted below: I agree that Equifax and OnDeck can use and disclose my personal information to contact me about other goods and services offered by the Equifax Group or OnDeck and use that information for direct marketing purposes. I agree to receive communication via email, SMS or other electronic communication, or by phone or mail. Your Personal Information may be used by Equifax in accordance with these terms and conditions. If you wish to opt out from receiving marketing material from Equifax, please find the details here:

OnDeck will apply our own credit assessment which will be different from your free Equifax business credit score.  OnDeck uses personal and business credit scores from more than one credit reporting bureau and its own proprietary credit assessment and scoring system in assessing loan applications.  A good score from the Equifax free business credit score is for your information in deciding whether to apply for a loan. Though, keep in mind, whether or not you’re offered a loan is subject to you completing an application. You can find out how to apply for an OnDeck loan here.

No, OnDeck’s Know Your Score program does not leave a footprint on your credit profile. This means your business credit score will not change as a result of finding out your score.

Finding out your business credit score from the Know Your Score service is only available to companies and businesses with an ASIC registered business name.

There are a couple of reasons why your business may not receive a business credit score:

  1. Your business isn’t registered with ASIC, scores can only be provided for Companies or Sole Trader and Partnerships that have a registered business name.
  2. The business and/or all of the directors/proprietors are not currently credit active or have not been credit active (credit active is where a person or organisation has had a credit enquiry recorded on the Equifax Bureau in the past 5 years).
  3. There is a petition to wind up or the business is under External Administration.
  4. At least one of the directors and/or proprietors has been insolvent in the last 7 years.

While this information is useful, it is worth investigating further why your business doesn’t have a credit score. When you use the Know Your Score tool you’ll be given more information on what to do next.

“I looked into OnDeck online and found the whole process very easy and the Know Your Score tool was very straightforward. I’d definitely recommend OnDeck to another business.”

Max Macarthur

New View Window Cleaning

Avalon Beach, Sydney, Australia

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