Business credit score and commercial mortgages?

[Neil Sinha]

Hello. I've been happily reading through tons of material on BP as I start out my REI journey. When it comes to lending to business entities, I've seen two separate discussions: 1) business credit and 2) commercial mortgages for LLC-held properties. The discussions on business credit talk about D&B PAYDEX scores and Experian/ Equifax commercial scores and how those can be used to open trade lines or credit cards, typically to finance rehab.

When I see talks about commercial mortgages, it tends to be about avoiding Fannie Mae requirements to hold title in personal name, how the amortization, balloon and rates vary compared to conventional loans and how they tend to lend based on the financials of the deal.

My question is whether a business credit score is relevant to commercial mortgage terms / underwriting and whether payment against commercial mortgages affects business credit? It seems the two are talked about separately here on BP and I don't know if there's intersection. Will a new LLC with no credit history have a harder time qualifying for commercial mortgages? Will building up a good D&B or Experian profile for the LLC make it easier to get better terms? Or do bank underwriters and business cc companies look at different factors? Thanks for any insight.