Over the past 10 years and more, I have authored and published numerous articles on the importance of SMEs and their owners to understand how and why a good or excellent personal credit score [otherwise commonly referred to as “FICO score, named for the firm that pioneered this metric” can make an enormous difference on the availability and cost of financing for their business. As I have also mentioned numerous times, FICO scores are used by banks, lenders, and funders 90% of the time when doing due diligence on a business loan. This fact is often not understood, and it has been my experience that many times SMEs and their owners are not aware of the widespread use of ‘personal’ FICO scores in the decision-making process for their ‘business’ loan.