Get critical insights about financial health of businesses

Better understand risk profiles of business with commercial credit report

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What is business and commercial credit report?

Gain a comprehensive understanding of your business partners, clients, and prospects with our Business and Commercial Credit Reports. Our reports provide valuable insights into the financial health, creditworthiness, and risk profiles of businesses, helping you make informed decisions and mitigate potential risks.

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SMS

Soft Credit check via SMS

A client texts the word "Go" to your Monitor Base phone number, they instantly gets a link where they provide their name and address and see the loan programs they credit pre-qualify for in seconds.

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Soft Credit check via Email

A client clicks a SoftPull button in you or your agent's email where they provide their name and address and see the loan programs they credit pre-qualify for in seconds.

WEB

Soft Credit check on your Website

Integrate our webforms and customers who visit your website can enter the details and you will be instantly notified if they meet the eligibility criteria

SMS

Judgements

A civil judgment occurs when a creditor wins a lawsuit over an unpaid debt, which can even include overdue child support. This legal action grants creditors new avenues to recover funds, such as seizing assets from bank accounts. Judgments affect loan eligibility, alongside credit profiles, underscoring their importance in financial decisions. Our verification service ensures thorough assessment of such factors, aiding informed decisions.

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Liens

Tax liens are filed by the IRS against tax delinquents, automatically triggered for debts exceeding $10,000. These liens enable the IRS to claim proceeds from asset sales to cover unpaid taxes. While not on credit reports, tax liens impede financial stability, affecting loan repayment capacity. Our software employs advanced algorithms and comprehensive databases to assess bankruptcy, liens, and judgments, aiding businesses in evaluating lending risks effectively.

WEB

What we offer

Our Income Insights report furnishes the following details

Assessment of whether the applicant's credit behavior matches their self-reported income.

Estimation of the variance between the applicant's reported income and the Income Insights estimate.

Recommendation on whether to request further proof of income, like recent pay stubs, from the applicant.

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Benefits of
business and commercial credit reports

By choosing Credit Decision Engine for your bank verification needs, you'll experience a wide range of benefits
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Risk Assessment

Evaluate credit risk associated with potential business partners, clients, or suppliers before entering contracts or agreements.

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Credit Decisioning

Make informed credit decisions, such as extending credit terms, approving loans, or setting credit limits, based on comprehensive credit reports.

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Compliance

Ensure compliance with regulatory requirements by conducting due diligence and risk assessments as part of your business processes.

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Strategic Insights

Use credit report insights to negotiate favorable terms, identify growth opportunities, and manage risk exposure effectively.

FEATURES

Key features of Business and commercial credit reports

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one

Credit Scores and Ratings

Get an overview of the business's creditworthiness with detailed credit scores and ratings, indicating the likelihood of default or financial stability.

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Payment History

Review the business's payment history, including on-time payments, late payments, and outstanding debts, to assess their financial discipline and reliability.

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Financial Statements

Access key financial statements, such as balance sheets, income statements, and cash flow statements, to evaluate the business's financial performance and stability.

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Public Records

Identify any liens, judgments, bankruptcies, or legal issues that may impact the business's creditworthiness and overall risk profile.

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Industry Comparisons

Compare the business's financial metrics and credit performance against industry benchmarks to gauge its competitive position and financial health relative to peers.

Soft pull and Hard pull (Heading missing)

Data on the Reports

Soft Pulls

Hard Pulls

FICO® Scores
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Tradelines
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Inquiries
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Collections
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Public Records
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Employment History
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Potentially Lowers Score
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Places Hard Inquiry on Report
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Requires SSN
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Requires Date of Birth
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Can Present Terms to Client
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Can Effectuate a Loan
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Requires Borrower's Consent
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Impact on Credit Score
Minimal or None
Can decrease
Frequency of Use
Multiple times
Limited
Time to Reflect on Report
Generally faster
Takes time

How it works

01
Sign Up

Create an account with Credit Raptor and subscribe to our services.

02
Customize Settings

Tailor the platform to your business needs, including selecting data providers and configuring compliance settings

03
Conduct Inquiries

Enter customer information and initiate hard credit inquiries with just a few clicks

04
Access Reports

Receive instant access to comprehensive credit reports, allowing you to make informed decisions quickly.

05
Ensure Compliance

Monitor compliance status and generate compliance reports effortlessly using our built-in features

What Our Clients Are Saying

Don't just take our word for it – hear what our clients have to say about their experience with our software Credit Raptor

"Since implementing CreditRaptor, our verification process has become more efficient than ever. The instant verification feature has allowed us to make faster lending decisions and improve customer satisfaction."

John Doe

CEO of XYZ Lending

"We were blown away by the level of support and expertise provided by the CreditRaptor team. Their platform has transformed our verification process and helped us stay ahead of the competition."

Jane Smith

CFO of ABC Bank

Shaun Lee

Marketing Manager
Linkldn

Mary Sombra

Marketing Manager
Linkldn

How it works

01
Search

Enter the business name or identification number of the company you wish to evaluate into our platform.

02
Generate Report

Generate a detailed credit report containing comprehensive information about the company's credit history, financial health, and risk profile.

03
Analyze

Analyze the report to gain insights into the company's creditworthiness, financial stability, and risk factors.

04
Make Informed Decisions

Take immediate action to address identified fraud attempts and protect your business and customers from harm.

05
Ensure Compliance

Monitor compliance status and generate compliance reports effortlessly using our built-in features

List of data you will have access to

  • Equifax risk assessment score
  • Number of accounts reporting
  • Number of delinquencies
  • Credit limit at 90 days and 13 months (all lines)
  • Sales volume
  • Total credit exposure
  • Total credit outstanding
  • Total current and past due balances
  • Judgments, liens, and legal suits
  • Credit information score and trend graph
  • Payment index
  • Commercial delinquency score risk class
  • Business failure risk score

Gain access to information on individuals and entities that have filed a claim against collateral pledged on a loan.
These reports include:

  • Debtor's name and address
  • Filing state
  • Original date
  • Document number
  • Legal type
  • SIC and NAICS codes
  • Filings
  • Collateral
  • Other tradenames
  • Business contacts and their titles
  • Incorporation number and dates
  • Employee count
  • Sales volume
  • SIC and NAICS codes

Ready to enhance your security measures and protect your business from identity theft and fraud? Contact us today to learn more about our ID Verify and Fraud Detection software and start your free trial. Unlock peace of mind and safeguard your operations with our advanced security solution.

Still not sure ?
To learn how credit report data can be leveraged to gain business benefits
Schedule a Demo
To leverage data from credit reports for strategic business benefits
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