Welcome to Premisien

Elevating Your Business with Strategic Credit Management

At Premisien, we recognize that strong business credit is the foundation of financial success for any enterprise. Our goal is to empower your business with the knowledge and tools it needs to establish and grow a robust credit profile. Through our comprehensive 5-phase business credit counseling process, we guide you every step of the way, starting with understanding the vital concept of the Paydex score.


Understanding the Paydex Score and Ratings

The Paydex score, developed by Dun & Bradstreet, is a crucial indicator of your business’s creditworthiness. It evaluates your payment history with suppliers and vendors. The Paydex score ranges from 0 to 100, and it’s divided into different ratings.

80-100 (Low Risk)

Businesses with a Paydex score in this range are considered low risk. They consistently make on-time payments to suppliers and vendors.

50-79 (Medium Risk)

Businesses falling within this range exhibit some delays in payments but generally maintain satisfactory payment behavior.

0-49 (High Risk)

Businesses with a Paydex score in this range are perceived as high risk due to frequent payment delays or defaults.


At Premisien, we’re committed to helping your business establish and optimize its credit profile through our tailored 5-phase business credit counseling process.

Phase 1: Business Legitimacy

We begin by ensuring your business is properly structured and recognized as a legitimate entity. This phase involves registering your business, obtaining the necessary licenses and permits, and establishing a separate business bank account. A solid foundation sets the stage for effective credit management.

Phase 2: Vendor Credit

In this phase, we guide you in building relationships with vendors who offer credit to businesses. Establishing a positive payment history with suppliers can contribute to your Paydex score. We provide strategies to negotiate favorable credit terms and cultivate vendor relationships.

Phase 3: Retail Credit

Building retail credit involves obtaining credit accounts with retailers or suppliers that specifically cater to businesses. This phase expands your credit portfolio and enhances your credit profile. We assist you in selecting appropriate retail partners and managing these credit lines responsibly.

Phase 4: Major Credit Cards

Securing major credit cards tailored to businesses can significantly bolster your creditworthiness. We guide you through the process of obtaining business credit cards and managing them wisely. Responsible credit card usage contributes to a stronger Paydex score.

Phase 5: Major Lending

In the final phase, we focus on positioning your business for larger-scale financing opportunities. This could include loans, lines of credit, or other major lending options. A solid Paydex score and a well-managed credit profile are essential when seeking substantial funding.

Start Your Business Credit Journey with Us

Premisien is your partner in elevating your business’s financial standing through strategic credit management. Explore our wealth of resources, gain insights into the Paydex score, and discover the potential of our 5-phase business credit counseling process.

Remember, your business’s credit health is a powerful asset. Let’s work together to unlock opportunities, secure financing, and position your business for long-term success. Start your journey toward optimized business credit today.