SBFE & Trade-line Enrichment
Accessing and modeling credit visibility for the critical small business market.
What is the Service?
This service addresses the challenge of insufficient Trade-line Information in the USA SMB sector. It involves establishing access to proprietary sources like the Small Business Financial Exchange (SBFE) and combining that with high-fidelity modeled trade history derived from available public lending data (e.g., SBA loan records).
What does the Service provide?
- Credit History Details: Reports detailing Trade-lines Opened in the past 6, 12, and 24 months, including total credit volume extended and the Type of credit (e.g., term loan, line of credit, card).
- Data Granularity & Coverage: Data available at the Company, Account, and Portfolio level, tailored for coverage across revenue bands from <$500K to $10M+.
Why use bizAPIs?
Financial institutions use this service to ensure their underwriting decisions are based on accurate, timely, structured debt history, reducing reliance on less predictive consumer credit proxies. It closes the primary visibility gap in the small business credit market.
Please contact us for more information.