Leverage commercial solutions to more accurately assess credit risk and identify potential fraud.

Welcome to your ultimate developer resource for Commercial Risk Decisioning, offering near real-time access to our robust suite of APIs. This one-stop shop helps to seamlessly integrate an extensive array of commercial credit reports, KYB compliance tools, and advanced fraud solutions tools into your existing workflows. By utilizing these resources, you can leverage commercial data to more accurately assess credit risk and mitigate potential fraud across your entire portfolio.
Benefits
laberynth
One-Stop-Shop
Access commercial credit reports, KYB tools, and fraud solutions via a single endpoint. Easily enable or disable the tools you need.
braindots
Near Real-Time Data and Insights
Build with confidence using live data streams that accelerate your testing / implementation and speed up onboarding of business accounts.
Gears_0
Automate Risk Decisioning
Empower your business with robust commercial data to build processes that accurately assess credit risk and mitigate potential fraud.
Key Features
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      Reports: Access trade history and payment insights on potential small business customers.
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      Models: Deploy predictive risk scores built on historical commercial data assets for optimal decisioning confidence.
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      Attributes: Utilize distinct, granular data points to enable your preferred credit and risk assessment solutions.
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      KYB & Fraud: Streamline compliance with KYB verification and integrated fraud detection layers built directly into your workflow.

Use Cases
Commercial Risk Decisioning is for businesses that want to…
  • Credit Decisioning: Seamlessly evaluate and manage commercial credit risk at the point of new account origination.
  • Blended Verification: Assess risk holistically by pulling reports that blend both the business and the individual guarantor.
  • Fraud Mitigation: Detect and flag high-risk or fraudulent applications in real time before approving new business accounts.
  • Automate KYB Compliance: Verify business entities during onboarding to meet strict regulatory requirements seamlessly.

Commercial Risk Decisioning is for ...
  • Banking & Financial Institutions: Modernize commercial loan origination with automated credit decisioning, KYB compliance, and robust commercial risk.
  • FinTech & Digital Lending: Power real-time, digital-first business onboarding and extend credit lines using developer-friendly APIs built for speed and fraud safety.
  • Communications & Telecom: Accelerate business service onboarding and mitigate subscriber risk by verifying corporate entities and assessing guarantor credit.
  • InsurTech & Commercial Insurance: Streamline commercial policy underwriting by embedding firmographic validation, KYB checks, and risk models into your digital funnel.
  • Energy & Utilities: Streamline new commercial service applications by verifying business entities, checking credit risk, and catching fraud at registration.

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