Why Work With Us

Commercial Financial Network

Leverage one of the largest commercial data sets in the U.S. to make more informed credit decisions when working with small businesses.

Comprehensive, Proprietary Commercial Data Assets

Commercial Financial Network (CFN) is a collaborative data network. Financial institutions, manufacturers, and service providers contribute account data in order to gain a 360-degree view of business risk. By participating anonymously, members exchange insights to help reduce fraud, minimize credit losses, and accelerate customer onboarding. Because traditional credit profiles for small businesses are often sparse, CFN goes beyond basic payment history. It integrates unique data— including business identity, ownership, registrations, and firmographics —into a single network. This allows you to identify, decision, and grow commercial relationships with confidence that traditional data alone can't provide.

CFN Coverage

CFN membership gives you a fuller view of your commercial customers’ financial viability.

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44+ million business entities

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121+ million tradelines

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1,200+ businesses contributing companies

Benefits for CFN Contributors

Make more informed decisions and enhance your small business risk assessment decisionin. 

Score More

Gain access to proprietary credit models and data attributes that enable you to score up to 50% more applicants.

Make Informed, Efficient Decisions

Assess 3 - 4 million small businesses with limited or poor credit history for credit risk.

Best in class Governance, Security, and Compliance

Continuous monitoring results in robust data contribution and compliance continued monitoring.

CFN Insights Drive Smarter B2B Decisions

We’re on a mission to make the B2B credit process faster, easier, more accurate, and more profitable.

Frequently Asked Questions

CFN is a shared, anonymous data exchange composed of over 1,200 financial institutions, manufacturers, and service providers. Members contribute their business account data to account data to CFN and gain access to a massive dataset of 48 million contributed account records. This give-to-get model provides a comprehensive view of commercial payment and performance data along with unique data about business.

Many small businesses have thin credit files, making them appear riskier than they actually are. CFN supplements traditional payment data with unique insights into business identity, ownership, and firmographics. This allows you to score up to 50% more applicants and increase your approval rates by 15–20% without increasing your risk appetite.

No. Privacy and security are core to the network. CFN allows members to share customer account information anonymously. While you contribute data to the exchange, your specific institution’s identity is masked to other members, and you receive aggregated insights from all other participating companies in return.

Contribution is a value-multiplier. Contributors gain exclusive access to our best and most proprietary SMB credit data. CFN data helps 3–4 million small businesses with limited histories gain the credit access they need to grow, strengthening the overall economy.

Traditional data often relies solely on payment performance. CFN integrates alternative data points—such as business registrations and ownership details—to provide a holistic view of a business's viability. This helps you identify high-potential customers that competitors using traditional data might overlook.

Related Resources

Report

Main Street Lending Report

The Small Business Indices help executives, economists, policy makers, investors and regulators better understand the current business cycle and set credit oversight policies.  

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