You are not the only one who has a credit score. If you are a business owner, your business has its own credit score too. If you try to apply for a bank loan as an individual, you might want to rethink your strategy and apply as a business instead. This can be especially helpful if the credit score of your business is better than the credit score of you as an individual. Before you apply for a bank loan, make sure that you decide as who you are going to apply: your business or you as an individual. This can be a decision that is going to affect you for many years to come.