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BUSINESS FINANCING GLOSSARY

EIN (Employer Identification Number)

A federal tax ID for your business, issued by the IRS. Lenders use it to pull business credit and verify the entity.

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Related terms

Business Credit Score→A score (e.g. Dun & Bradstreet PAYDEX, Experian Intelliscore) reflecting how reliably your business pays its obligations — separate from your personal FICO.Tradelines→Individual credit accounts on a business or personal credit report. More positive tradelines build a stronger credit profile.Retained Earnings→Cumulative profits a business has kept and reinvested rather than paid out to owners. Builds equity over time.

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