Score Tiers and Credit Limits

The five tiers

Poor (0-49). Daily spending limit of $100 ($1,000 monthly). Every business starts here — your score builds from your first transaction, and the AI agent shows you exactly which actions move it fastest.

Fair (50-59).Daily spending limit of $250 ($2,500 monthly). Consistent activity is being recognized; the agent's recommendations shift from getting started to optimizing.

Good (60-69). Daily spending limit of $500 ($5,000 monthly). A solid track record across the pillars, with clear headroom the agent can help you capture.

Very Good (70-79). Daily spending limit of $1,000 ($10,000 monthly). Strong, consistent financial health across card behavior, processing, and vendor payments.

Exceptional (80-100). Daily spending limit of $2,000 ($25,000 monthly). The top tier — proven performance across all three pillars, and first in line as higher limits and new capabilities roll out.

What your score gates

Beyond the spending limits above, two thresholds unlock capability directly. At Business Skoor 20, you become eligible for merchant processing approval. At 40, SKOOR Plus features are offered automatically. Both checks happen continuously — cross the threshold and the capability unlocks without an application.

Moving between tiers

Tier transitions happen automatically when your Business Skoor crosses a threshold. There is no application or review process. If your score rises from 58 to 61, you move from Fair to Good immediately and your daily limit increases to $500. Downgrades also happen automatically if your score drops, but SKOOR provides a 7-day grace period and the AI agent alerts you before a downgrade occurs so you can take corrective action.

Need higher limits?

The table above is what your score earns automatically. If your business needs more than the automatic tier provides, higher limits are available by review — contact us from your dashboard and a human evaluates your request directly. Approved raises are applied to your card within one business day.