Enhance Your View of Small Business Creditworthiness
Assess and monitor small businesses credit risk
Alternative data helps complete the picture of a small business’s financial health.
Credit risk scoring is typically based on traditional credit data. But how do you determine if a business is creditworthy when that data is limited or non-existent, as is the case with most small and new businesses? If you automatically discount those companies, you could be missing out on some solid opportunities. But if you approve them without the data to back up your decision, you could be taking unnecessary risks.
Small Business Credit Score combines credit data from the Small Business Financial Exchange, Inc. (SBFE) with alternative data from LexisNexis® Risk Solutions to create a more reliable view of a small business. This unique combination gives you the competitive advantage of actionable risk assessments on many thin-file and no-file small businesses.
Extend access to credit
for small businesses
Customize terms to the
individual business
Limit risk exposure
Boost returns in your small business
Expand Exclusivity
Differentiate businesses
Support segmentation
Expand your
addressable market
Small Business Credit Scores delve into data beyond the traditional financial history to more accurately compute a business’s creditworthiness.
Consider risk throughout the customer life cycle
Identify creditworthy small businesses that could be good prospects and might otherwise be overlooked.
Increase approvals and profitability by extending customized offers to qualified small businesses.
Take note of changes in customer risk profiles to spot opportunities for cross-sell or risk mitigation.
Reach out to delinquent consumers to help rehabilitate them and mitigate losses.
Gain insight into a business and its representatives
Small companies are usually a reflection of their authorized representatives. It’s important to consider the financial stability of both the business and their authorized representatives when evaluating creditworthiness. Our Small Business Credit Scores with SBFE Data™ include a business-only score and a blended business score that considers the business’s representatives and their assets, properties, derogatory information and source activity.
SBFE data: 30M small businesses, 100M accounts and 20+ years of historical data since 2001
Alternative data: 10,000+ sources of public records, proprietary information and alternative data files
B2B tradeline data: Records of transactions between the business and its vendors
Derogatory events: Any bankruptcies, judgments and liens for the business and its representatives
Featured Content
Increase credit clarity with alternative data
Learn more about how highly predictive Small Business Credit Score can provide a sharper customer focus.
Access a suite of predictive credit solutions
Learn how Small Business risk solutions leverage alternative data to provide critical insights.