The calculation of a business credit score involves several factors: - Payment History: Timely payments contribute positively, while late payments can significantly lower the score. - Debt Levels: The total amount of debt and the ratio of debt to available credit are assessed. - Credit History Length: A longer history generally indicates more reliability. - Types of Credit: A mix of credit types, such as loans and credit cards, can affect the score. - Public Records: Bankruptcies, liens, and judgments are also considered.