Business Credit Reports
Let us help you reduce your credit exposure by giving you access to high-quality financial data on your partners, vendors and competitors.
Make More Informed Financial Decisions
Request your commentary business credit reports today to see how our high-quality financial data, feature-packed reports and globally standardize scoring tools can increase the confidence you have in your business decisions.
Get answers to key questions like:
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What goes into a business credit report?
Scores and Limits
Core Business data
Payment Data
Enhanced Financial Data
Our industry leading scoring system includes key statistical metrics and the most advanced statistical techniques to help determine the financial stability of a company.
Load up on background including the basics like the year founded, the industry and the location of the business, as well as more information such as recent liens, corporate structure, officers and more.
Understanding how a company has managed their credit in the past is the key indicator of future performance.
Among the major Credit Bureaus, only Creditsafe is able to offer enhanced financial information that includes sources like commercial credit cards and open-ended lines of credit.
Scores and Limits
Our industry leading scoring system includes key statistical metrics and the most advanced statistical techniques to help determine the financial stability of a company.
Created by our in-house analytics division, the Creditsafe Credit Score is a statistically backed model using key data variables, including financials, trade payments, demographics, industry, legal filings, group structure, size of business and more, that have proven to have an impact when a business fails.
With our scoring model, we can predict 70% of company insolvencies 12 months in advance—saving you the financial worry that bad debt brings.
Credit Score
The Creditsafe Credit Score works on a scale of 1-100 and predicts the likelihood that a company's payment performance will become seriously delinquent, defined as 90 plus days beyond terms within the next 12 months or that the business will go bankrupt
Days Beyond Term (DBT)
Our trade payment analysis that highlights how many days late a company pays their bills and how it compares to their industry.
International Score
The Creditsafe International Score is a standardized score derived from the Creditsafe rating. It enables credit risk comparison between companies that are registered in different countries.
Derogatory Legal
The number and value of tax liens and judgement filed in the last 6 years and 9 months plus bankruptcies filed in the last 9 years and 9 months
Credit Limit
The Creditsafe recommended credit limit is calculated using information from a company's payment record and from the payment records of similar companies. The Credit Limit is a recommendation of the maximum amount of credit you should consider offering this company at one time.
Payment Trend
Easily understand at a glance if there are any substantial changes in how they’re paying their bills
Inquiry Trend
See how many other companies are viewing a report
Business Spend Trend
Indicates whether the company's total annual business spend is increasing or decreasing compared to the previous 12 months.
"Creditsafe is very much worth the yearly investment for us. As a small business, it is imperative to be able to continually check in on the credit status of your open accounts. As the AR Manager who wears many different hats, Creditsafe puts the information as an easy-to-access and understand report and alert. I plan on renewing year after year."
BAI Distributors Inc.
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Core Business Data
The data within this section of the report can help you better understand any issues that may affect the company in the near future. Are there major executive changes? Is there an increase in the number of liens placed on the company?
To gain a better insight into a how a company operates, you need to know more about the people running the business. By reviewing information on the people leading a company, you can get a better understanding of where the business is going.
Safe Number
Creditsafe's unique identifier for every registered company
Company Information
Includes any other legal names such as a DBA, address, phone number and website
Google Maps
Pin-point the exact location of the business
SIC Description
The Standard Industrial Classification is a system for classifying industries by a four-digit code
Business Type
Is the company a Corporation, Cooperative, Government, Incorporation, LLC, LLP, Non Profit, Partnership, or Sole Proprietorship
Location Type
See if the location is a Headquarters, Branch, Subsidiary, Franchise, Franchisor or Single Office
Officer Information
See the officers of each company and identify other know affiliations
Group Struture and Linkages
Corporate hierarchical structure identifying the head office, parent companies, subsidiaries and branches at a global level
Trading Locations
Identify any logistics concerns by knowing the full list of company addresses
Years in Business
Learn how long a company has been operating and its incorporation date
Annual Sales Amount
See how much revenue a company earned last year
Number of Employees
Total number of people who work for a company
Legal Filings
State and Federal Tax Liens, UCC Filings, Judgments and Bankruptcies
Government Award Information
Identify companies that have been awarded government contracts or grants.
Compliance Indicators
Key compliance indicators such as sanctioned business information.
Possible OFAC
Flag sanctioned businesses that the U.S. government prohibits from trading with under the Patriot Act
Federal Motor Carrier Safety Data
Understand transportation companies’ Motor Carrier safety ratings, fleet size and types of cargoes moved
Historical Data
See what's changed and when
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Payment Data
Trade payment history is the backbone of a credit report as understanding how a company has managed their credit in the past is the key indicator of future performance. Companies with a long history of managing their business credit effectively are most likely to continue this pattern into the future.
Creditsafe’s reports all include Trade Data with millions of new payment experiences uploaded into our reports in our ever-growing trade database.
Trade Lines
Easily see how many other companies are known to be extending them credit and how timely they’re paying those bills
Financials
Directly link to financial statement information for public companies and nonprofit organizations based on income statements and balance sheets
Enhance a report with Financial Payment Data
Financial Trade gives unprecedented insight into the health of small and micro businesses so that Credit Managers can make the most informed decisions possible. Our Financial trade product leverages data that has traditionally been off-limits to business credit bureaus such as business leases, commercial credit cards and term loans.
Unique to Creditsafe you can request access to Financial Trade Data which includes accounts such as:
Business Lease
Commercial Credit Card
Letter of Credit
Line of Credit
Open-ended line of credit
Term Loan
When Financial Payment Data is available, we offer the ability to enhance a report
Enhanced Rating
Works on a scale of 1-100 and predicts the likelihood that a business’s payment performance for both financial and non-financial trade accounts will become seriously delinquent (90+ DBT) or the business will fail in the next 12 months.
Enhanced Credit Limit
Calculated using information from a company’s Financial and Non-Financial payment record and from the payment records of similar companies.
Financial Past Due
The total delinquent dollars (not including charged-off) on open and closed financial accounts
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Where does our data come from?
At Creditsafe, we pride ourselves on the data and business intelligence we supply to our customers.
The data used to create our scores and limits comes from working with official sources such as Government entities and the Court System, and our selected global network of international data partners. To further increase the validity of our data, we include trade payment data from our trusted trade payment data suppliers to give you the most accurate picture of the financial stability of a company.
Global Monitoring Service
With Creditsafe’s Global Monitoring Service you’ll never again miss vital changes to the companies that you do business with. The system is highly adaptable and allows you to customize the alerts you receive to ensure that you’re only getting the most relevant notifications for your business needs.
Receive detailed email updates of any changes to US or international companies you have chosen to follow and how often you receive them. Countries available to monitor include: Belgium, Canada, Denmark, Finland, France, Germany, Ireland, Italy, Japan, Lithuania, Luxemburg, Netherlands, Norway, Spain, Sweden, Switzerland and the UK.
Monitor Your Companies of Interest:
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Monitor Your Company
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Monitor Your Customers
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Monitor Your Debtors
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Monitor Your Suppliers
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Monitor Your Competitors
Monitor US Companies
Receive email alerts on changes to: Credit score, credit limit, company status, DBT, bankruptcy, derogatory filing count or change, derogatory filing outstanding amount or change, possible OFAC
Monitor International Companies
Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors
Get Email Updates
Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors
Organize Your Alerts
Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors
Choose what to be alerted on
Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors
Choose how often you want to receive alerts
Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors
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Global Coverage
Why Creditsafe?
As the world’s most used provider of company credit reports, Creditsafe help over 500,000 users make 450,000 decisions daily. Here are just some of the many reasons companies choose Creditsafe:
Our predictive credit scoring system
Our system is one of the most predictive within the industry
No tiered reports
Unlike our competitors we believe in giving you all the information you need in one report
Our international coverage
As we access to over 365m company reports in 160 countries. 99.9% can be delivered instantly
Approved by insurers
Our credit scores & limits are endorsed and therefore trusted, by all major US credit insurers
Dedicated support & account management
With a typical response time of 1 hour, we believe every customer deserves personal account management. That is why every client has a dedicated account manager
No automatic renewal
With a customer retention rate of over 95%, we want our customers to stay with us because they are happy with our service, not because they are tied into a contract
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