Business Credit
Power smarter business lending and underwriting with business credit reports. Mitigate risk for small business loans and commercial leasing.
Equifax
Description
Introducing the Equifax Business Principal Report, the comprehensive solution for gaining deep insights into the key individuals driving a business's success. This powerful tool from Equifax offers unparalleled access to essential information about the principal stakeholders of a company, allowing you to make informed decisions and mitigate risks effectively.The Equifax Business Principal Report goes beyond standard business credit reports by focusing on the individuals who have a significant influence on a company's operations, finances, and overall direction. With this report, you gain a holistic understanding of the key players involved, empowering you to assess their credibility and evaluate their impact on your business relationships.
Facts
The Business principal report has the same endpoint as the Consumer Credit Report. If you have any questions about this, please contact CRS salesExperian
Experian's BusinessIQ Premier Profile combines credit risk, fraud checks and company background into a single report to ensure a thorough business review that facilitates better decision making. It provides “quick glimpse” views and comprehensive details related to business payment performance, public record history and background information so you can quickly and precisely determine the creditworthiness of a business.API Reference >
Description
Intelliscore Plus is Experian’s newest, most effective business scoring model to-date. Taking cues from the information entered on an inquiry, Intelliscore Plus returns either a commercial score or a blended commercial/consumer score. Both scores are highly predictive, but for small businesses, blended data has proven the most predictive in the industry. Intelliscore Plus combines information from sources including companies that report actual trade payment experiences, public records and collection records. More than 7 million records were used to build the Intelliscore Plus model, and more than 800 commercial and consumer data elements were utilized to develop the scoring algorithms.The Intelliscore Plus model uses sophisticated statistical techniques to predict the likelihood that a business’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.
Samples
Experian commercial aggregates, or BizAggs, represent over 400 unique data attributes that represent the building blocks of commercial credit. The standard BizAggs include aggregates based on tradlines, bankruptcies, liens, judgments, UCC filings, collections firmographics, and inquiries against the business. The BizAggs API allows for real-time access to the BizAggs via RESTful API, allowing you to power custom models and make decisions in an instant.API Reference >
The Bankruptcies API can return both a summary level view of business bankruptcies and also details on each bankruptcy on file for a business, including Chapter 7, 11, and 13 bankruptcies. New bankruptcy filings are added to the Experian database within 24 hours, and bankruptcies remain on Experian's file for 9 years and 9 months.API Reference >
Experian's commercial collections database is the largest in the industry and contains information contributed by collection agencies to Experian. The Collections API returns both summary and detailed information of collections activity on file for the business. Collections activity remains on Experian's file for up to 6 years.API Reference >
The Business Compliance Insight API is used for know-your-customer (KYC) investigations to learn more about the business, who runs it, and who they are affiliated with.API Reference >
The Business Contacts API provides a high-level view of business to consumer linkage for contacts affiliated with the business. The API will identify any known business owners/principals of the business, including both individual owners and company owners, as well as the known contact titles of those individuals at the business. Lastly, the API also returns a list of other businesses those contacts are affiliated with. The Business Contacts API is useful in identifying potentially undisclosed beneficial owners, as well as providing business affiliations and contact affiliations to support fraud, regulatory, or compliance investigations.API Reference >
Use the Corporate Linkage API to make better decisions through the identification of relationships within a corporate family tree. Corporate Linkage identifies financial and legal relationships between businesses of all sizes, including small and midsize businesses. Corporate Linkage enhances decision making by revealing parent company and ultimate parent relationships, allowing risk managers to assess overall corporate exposure, and to help meet 'Know Your Customer' requirements.API Reference >
The Corporate Registrations API identifies corporate filing information from the Secretary of State including state of origin, business structure (Corporation, LLC, etc.), date of incorporation, current status, most recent filing date, charter number, and the name and address of the registered agent.API Reference >
The Credit Status API can be used to check a business against several key credit attributes, including combined tradeline count, combined account balance, current days-beyond-terms (DBT), combined recent high credit amount, the number of years on Experian's commercial database, and the number of recent credit inquiries made on the business.API Reference >
Find key operational and firmographic details about business with the Business Facts API, including industry (SIC and NAICS codes), incorporation and public company status, number of years on file, annual sales and number of employees, and the names of key executive contacts.API Reference >
Experian's Commercial Fraud Shield provides a series of checks to screen for potential indicators of fraudulent activity. These checks examine potential listings on the OFAC warning list, whether or not the business is currently active, if the business is a previous victim of fraud, and whether or not there are potential inconsistencies between the business name, address, phone and Tax ID Number.API Reference >
The Government Details API highlights key details about a businesses activity with the US Government, including economic diversity status, government debarred indicator, contract awards, CAGE code, and more.API Reference >
The business header contains critical business identity information such as Experian's best business name on file, the full verified legal name and DBA names of the business, the business address, phone number, business Tax Identification number or Employer Identification Number (EIN), and the businesses website URL.API Reference >
The IST Watch API allows you to meet OFAC regulatory compliance compliance and screen for a number of compliance and global watchlists.API Reference >
Description
Experian Business score only report in JSON format.Samples
The Judgments API returns the total number of judgments and judgment balances and details on each judgment on file for the business. Judgments are court decisions directing a business to make payments to a plaintiff. Judgments are kept on file by Experian for 6 years and 9 months.API Reference >
The Legal Filings and Collections Summaries API provides a quick summary of commercial public record and collections activity on a business. The API provides a count and balance of all legal items, and individual counts and balances for bankruptcies, liens, judgments, UCC filings, and collections that are on file. These powerful attributes can be used as a key piece of your credit scorecard.API Reference >
The Liens API returns the total number of tax liens and lien balances and also details on each tax lien on file for a business. A tax lien is a claim on the property or goods of a business by a governmental tax agency. Tax liens are kept on file by Experian for 6 years and 9 months.API Reference >
The MultiSegments API allows you to call the data segments available in most of the endpoints in the Businesses API in a single API call, simplifying your development process and potentially improving your API response time experience.API Reference >
Description
Imagine a report that provides a full picture of each new business customer; highlighting their strengths and vulnerabilities and in-depth details of its financial activities. The Premier Profile API from Experian delivers this superior level of customer information, allowing you to do business with confidence. Providing views of business payment performance, public record history, and company backgrounds, the Premier Profile lets you quickly and precisely determine a business's creditworthiness and consistently make better, more profitable decisions.Samples
Quick Search for US businesses and return a List of Similars.API Reference >
The Reverse Addresses API returns back businesses that are affiliated with an input address. Street address, city, state, and zip code are all required fields on your request input.API Reference >
The Reverse Phones API returns back businesses that are affiliated with an input phone number. The phone number input should be a US based phone number.API Reference >
The Reverse Tax IDs API returns back businesses that are affiliated with an input Tax ID (EIN). The input Tax ID should be an Employer Identification Number - not a consumer SSN.API Reference >
Experian's Commercial Risk Dashboards API contains a summary of credit information that can be used to quickly understand the financial health of a business. Included are both of Experian's commercial risk scores, including the Intelliscore Plus and Financial Stability Risk scores, Experian's recommended credit limit amount, current DBT and derogatory legal count, and a count of potential indicators of fraud.API Reference >
The Scores Auto Search API provides our Scores API response, but with a Business Name and Address request input. The Commercial Scores API allows you to request Experian's Intelliscore Plus Score, Financial Stability Risk Score, or Commercial Recovery Score, or any combination thereof.API Reference >
Search for US businesses and return a List of Similars.API Reference >
Experian's Commercial Risk Dashboards API contains a summary of credit information that can be used to quickly understand the financial health of a business. Included are both of Experian's commercial risk scores, including the Intelliscore Plus and Financial Stability Risk scores, Experian's recommended credit limit amount, current DBT and derogatory legal count, and a count of potential indicators of fraud.API Reference >
Use the Trades API to request a summary or detail of all continuous, new, and additional payment experiences, and request snapshots of monthly and quarterly payment trends. Investigating detailed tradeline activity is essential for developing a deeper understanding of a business applicant's credit risk and payment history.API Reference >
The UCC Filings API returns both summary and detail level views of Uniform Commercial Code-1 Filings (UCC-1) filed with the Secretary of State. UCC Filings identify lenders or financial institutions that have a secured interest in a particular piece of property; this is very important when the collateral includes substantial, or derogatory items such as Accounts Receivable, Contracts, Inventory, or Notes Receivable. Experian keeps UCCs on file for 5 years.API Reference >
LexisNexis
Description
LexisNexis® InstantID® Business is a suite of small business verification products that improve a business' verification processes. Through instant access to more than 10,000 data sources of proven business content, stronger entity linking and advanced analytics, Business Instant ID provides a precise decisioning perspective to speed the onboarding process, reduce customer friction and maximize approval rates through an expansive and accurate view of the business and people associated with it. By delivering concise, easy-to interpret results in a 0-50 risk verification index, InstantID® Business helps streamline approvals, reduce starting costs, eliminate variances and build consistency between front-end and back-end account workflows.Samples
Description
LexisNexis® InstantID® Business is a suite of small business verification products that improve a business' verification processes. Through instant access to more than 10,000 data sources of proven business content, stronger entity linking and advanced analytics, Business Instant ID provides a precise decisioning perspective to speed the onboarding process, reduce customer friction and maximize approval rates through an expansive and accurate view of the business and people associated with it. By delivering concise, easy-to interpret results in a 0-50 risk verification index, InstantID® Business helps streamline approvals, reduce starting costs, eliminate variances and build consistency between front-end and back-end account workflows.This endpoint returns data in PDF format.