Gain clarity and control with commercial risk scores and reports when onboarding and maintaining business accounts.

Evaluate the risk of new and existing business accounts by gaining access to a wide range of credit risk scores and reports via the near real-time API. These risk scores and reports allow you to assess a businesses stability, help predict potential delinquencies and make data driven credit decisions that protect your revenue. Available via a single API you are able to select the scores and reports that are right for you to make decisions quickly.
Benefits
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Score and Approve More Applications
Utilize detailed trade history to assess risk and make better decisions.
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Avoid costly delinquencies
Evaluate and mitigate risk of loan origination through proactive evaluation.
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Review existing portfolio with confidence
Evaluate the risk of your existing commercial accounts in a data driven fashion.
Key Features
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      Reports: Gain insight into potential and existing small business customers’ trade history.
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      Models: Risk scores provide more predictive power, built on data assets that go back decades, allowing greater confidence in your decisions.
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      Attributes: Provide distinct data points for customers to create custom/bespoke solution.

Use Cases
Commercial Credit Risk is for businesses that want to:
  • Credit Decisioning: Manage credit risk at the point of origination.
  • Evaluate businesses and business owners: Leverage reports and scores that include the credit history of both the business and the owner / guarantor.
  • Customer segmentation: Utilize risk models to assess the credit-worthiness of potential customers and streamline operations.
  • Portfolio Management: Utilize credit risk scores and reports to manage existing commercial accounts.

Commercial Credit Risk is for:
  • Equipment Finance: Extend credit for capital expenditures related to equipment purchases and leases.
  • Telecommunications: Determine the credit worthiness of small businesses before delivering new equipment and establishing service.
  • Financial Institutions: Evaluate loans and/or a line of credit for small business accounts.

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