We provide full business credit reports up to 10 pages of information including, Federal Government Information, Standard & Poor’s Information, Company Background Information, Uniform Commercial Code, Payment Trends, Trade Payment,

Before you make important business decisions, Check credit for your potential business and check a prospective customer’s credit.

 

Evaluate risk at a glance, the executive summary of the Business Credit Report gives a quick overview of a business’ credit behavior. Here, problem areas can be identified, and then researched more thoroughly in the data contained in the main body of the report. The “Days Beyond Term” (DBT) and predicted DBT give an estimation of a company’s risk in a single number. The index below the report gives a brief explanation of the main features of the Executive Summary:

 

 

1. Description of Business – Company’s primary and secondary business categories plus the date of incorporation.
2. Days Beyond Terms (DBT) – Dollar weighted average number of days past the invoice date that business pays its bills.
3. Predicted DBT – A forecast of the expected days beyond terms for 60 days into the future, based on historical credit trends.
4. DBT Norms – Compares the company’s average DBT against the average DBT of other businesses within the same industry, and the average DBT for all industries.
5. DBT range based on current payment behavior – Indicates where the current DBT falls in comparison to other US businesses.
6. Historical payment guide – Includes, six month account balance range, highest credit amount extended, industry payment comparison and payment trend indicator.
7. Significant derogatory data – summarizes collected public record data and other derogatory information, including; bankruptcies within the last nine years, tax liens, UCC filings, reported collection amounts and write-off telecommunication accounts.

The Trade payment Information section of our Business Credit Report gives an objective, timely and accurate view of credit performance. Each tradeline, or credit granted to a business, represents a unique credit relationship. The data is collected from thousands of credit grantors who allow access to their accounts receivable files each month. The data is collated into a consistent format and updated continuously with newly granted tradelines so that you are able to make your decisions based on current information. Two pages of this part of the report are presented here. Click on the next page link at the bottom of the page to view the second page. See below for a key and index to the page shown.

For comparison purposes, a plus (+), a minus (-) or an equal (=) sign next to each tradeline with a balance in the left column of the page, indicates whether the DBT or tradeline os more than five days higher (-), more than five days lower (+) or withing five days of the average DBT for that business category.

The second page of the Trade Payment Information section of our Business Credit Report gives an analysis of the business’ ongoing payment behavior, and shows whether it is steady, improving or declining. The page also shows additional payment experiences from non-trade accounts, such as leases and bank loans.

For comparison purposes, a plus (+), a minus (-) or an equal (=) sign next to each tradeline with a balance in the left column of the page, indicates whether the DBT or tradeline is more than five days higher (-), more than five days lower (+) or within five days of the average DBT for that business category.

Evaluate ongoing payment behavior. The payment Trends section uses continuously reported tradelines to indicate changes in payment behavior over the previous six months. The section headed “Payment History” gives a 15 month analysis of the payment trends. The section headed “Public Record Information” presents details of bankrupticies, tax liens and judgements:

The Uniform Commercial Code (UCC) profile is a key indicator of financial instability. Knowing how much a business is leveraged and what kind of collateral is being used in outstanding loans are important considerations. The UCC profile lists up to the 10 most recent UCC filings, with their original amendments or terminations:

This page identifies the commercial and finance relationships of the company in question. It gives the name and contact information for their primary banks; the account status, and balances if available; any leasing or special financing arrangements:

This portion of the Business credit Report provides detailed background information that validates a company’s identity, helping you detect potential fraud. This may include the home state of the business; the year the business was registered, charter number; current status; names and titles of principle officers; products and service lines; most recent filing date and name of agent or legal representative:

The Standard and Poor’s (S&P) information gives an in-depth analysis of a company’s history. Audited finances are a critical indicator of the financial health of publicly held companies. The comprehensive S&P report consists of: the operating statement, giving the profit/loss for the previous fiscal year and two years prior; balance sheet; critical data and ratios; summary business background information.

The Standard and Poor’s (S&P) information gives an in-depth analysis of a company’s audited finances. The critical data and ratios section shown on the second page of the S&P information gives the description of products and services offered (incl. SIC code), approximate annual sales, years in business, name of the company’s accounting firm and bank, names and titles of the key officers.

This is the last page of the report. The final resource for financial evaluation is the Federal Government Information which reports selected financial and contact data reflecting the company’s dealings with federal government agencies: