Credit utilization — also called debt utilization — is calculated differently on business credit reports than personal reports. Since your credit limit isn’t included in your business report, your credit utilization is based on the highest amount spent, as well as what was owed when it was reported.

For example: Assume you have an account where the highest amount spent was $100, and the account balance was also $100 at the time of reporting. Your utilization would be calculated at 100%. An ideal debt utilization ratio is 30% or less.

Keep in mind that if you have the Nav Prime Card, it works a bit differently. Spending up to your full daily credit limit is best for impacting your business scores — the more you use the card the more it can help build your business credit history.​

Head here for a detailed breakdown of how credit utilization works.