Comprehensive Business Credit Scoring for More Approvals

Utilizing the power of the commercial credit database from Equifax, businesses can more accurately predict delinquencies through in-depth modeling. This is achieved by leveraging a wealth of data, including information from the Commercial Financial Network from Equifax, which provides a comprehensive view of commercial payment performance and business identity.

These predictive models incorporate crucial trended data and public records, as well as firmographic and other non-financial information. This robust combination of data assets enables a holistic assessment of risk, leading to more informed and reliable predictions of future delinquencies.

This is all possible by leveraging our NeuroDecision® technology, explainable AI and alternative data to score more applications and predict default with greater accuracy. Industry–specific models and advanced analytics set Equifax apart–helping you grow safely, even with limited credit histories.

Technology Advanced
Leverage Equifax's cutting-edge AI: Our patented NeuroDecision technology delivers superior insights.
Industry Insights
Achieve best results with 12 industry-specific scorecards for new business customers.
Integrated Data
Get a clear view of the business by combining small business and consumer data.
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Score up to 50% more applicants and grow your commercial credit opportunities.

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Approve as many as 15% more businesses without increasing risk exposure.

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Help 3 million more small businesses access credit and essential services.

Determining Credit Worthiness is No Longer Just a Number

Even the most sophisticated scores and risk models are not able to consistently predict risk if they are not fitted with a comprehensive and representative data set. The more complex the credit model, the more observations of default events it needs from that sample period in order to adequately predict the possibility of default.

Frequently Asked Questions

Equifax uses a variety of different data assets, including small business financial data, tradeline data, merchant data, and more.

OneScore for Commercial has multiple options, including models that incorporate financial information on both the business and the business owner when calculating the score.

OneScore for Commercial has 12 industry specific scorecards to help you make the best decision possible based on the businesses that you are actively targeting and onboarding.

Related Resources

Infographic

Main Street Lending Report

Produced monthly, the main street lending report helps lenders and service providers track changes in the small business marketplace by providing trends into both lending and delinquencies.
 
Check Out the Data

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