Businesses regularly expand and contract with financial gains and losses, capital investments, and mergers and acquisitions. For lenders that loan money to other businesses, staying on top of a firm’s credit status is critical – and challenging.

Business Credit Industry Reports from Equifax®*

  • Business demographics
  • Public records such as any judgments, liens and bankruptcies
  • Trade payment history
  • Financial payment history
  • Corporate family trees and identifying information by each business level
  • Small business owner and/or guarantors associated with the business
  • Personal credit report on company’s principal(s) – this is a soft inquiry and won’t affect your business customer’s credit score
  • FICO® score on the principal(s) of the business

Business Risk Score from Equifax®*

Offers a robust suite of business credit scores and business failure scores that are built on pre-recession, recession and post-recession data. Business Risk Score provides you with more predictive power so you can answer critical questions such as: “Will I be paid? When? Is my customer facing financial difficulty? Should I extend credit?”

  • Business Credit Risk Score predicts the likelihood of a business incurring a 90 days severe delinquency or charge-off over the next 12 months. The score ranges from 101 - 660 with a lower score indicating higher risk.
  • Business Failure Score predicts the likelihood of a business failing through either formal or informal bankruptcy over the next 12 months. The rating ranges from 1 - 9 with a lower score indicating lower risk.

With the Credit Plus Business Intel Suite powered by Equifax®*, we cut though the red tape to give you:

  • Verified data from a trusted third-party source that has double-checked millions of files. More importantly, this data is not “self-reported” – something competing data providers readily offer but is far less reliable.
  • A complete picture – our Business Credit Report includes a concise summary of detailed trade data shedding light on a business’ payment history – and the meaning behind the data.
  • A Business Risk Score that predicts the likelihood of a business incurring a 90- days severe delinquency or charge-off.
  • More value for your money – we offer the most competitive pricing in the industry – you pay for what you use and there are no minimums.
  • Superior customer service – access to dedicated team that will assist and train your staff.
  • The availability of business owner data which is essential to assess the history and stability of a small business. And, it’s a soft inquiry so it won’t show up on the business owner’s personal credit report.

Related Services

Business Principal Credit Reports

Learn More ⟶

Trended Data

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Tri-Merge Credit Reports

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Much more than just credit…we’re Credit Plus

Call us at 800.258.3488 or click here to request more information.

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