Business and Commercial Credit Reports

Soft Pull Solutions offers a reliable business credit report service to help companies make informed financial decisions. Our reports provide accurate insights into a business’s creditworthiness, payment history, and risk profile—essential for lenders, partners, and suppliers. Soft Pull Solutions can help you run credit reports on your business clients and applicants. Check out our solutions below, and let us know if you’re interested in learning more.

Business Credit Insights & Monitoring

🔔 1. Ongoing Monitoring & Real-Time Alerts

Stay in the know with automated monitoring of your customer and supplier portfolios. Get instant alerts—via email or API—whenever critical changes occur, such as credit score shifts, credit limit adjustments, legal filings, address or director alterations, or evidence of financial distress like liquidation or bankruptcy.

📋 2. Batch Lists & Bulk Reporting

Manage large portfolios effortlessly. Simply upload lists of companies to:

• Set up monitoring portfolios
• Schedule bulk report pulls
• Export data (e.g., credit rating, address, turnover, active tradelines) on a daily, weekly, or monthly basis

This lets you stay proactive without manual checking or individual report fetching.

💳 3. Payment Data & Tradeline Visibility

Access detailed tradelines showing current loans, lines of credit, and commercial card usage. Track payment history and Days Beyond Terms metrics to assess financial performance—no need to chase banks or suppliers for information.

🕵️‍♂️ 4. Fraud Detection & Hidden-Debt Exposure

Help combat fraud by surfacing hidden debt practices. The system flags when related companies share addresses, directors, or ownership structures—revealing attempts to mask liability or obscure linkages. This linkage analysis protects against debt concealment under subsidiary entities.

Check out an Example Report

✔️ Why It Matters

Dun & Bradstreet

Gain convenient access to Dun & Bradstreet business data reports through Soft Pull Solutions.

Dun & Bradstreet provides six business data reports utilizing their proprietary database:

1. D&B Business Information Report – D&B’s credit rating and PAYDEX information
2. D&B Background Report – Summary of basic information for any given business
3. D&B Comprehensive Report – In-depth evaluation of a business’s financial stability
4. D&B Credit Scoring Report – Predictive analysis of a business’s delinquency risk for 12 months
5. D&B Payment Analysis Report – Historical analysis of a business’s payment performance
6. D&B Supplier Evaluation Report – Risk assessment score to help determine the level of engagement you’ll want with specific suppliers

Preview Sample D&B Report

Experian

Soft Pull Solutions offers access to Experian Business Reports, providing essential insights into the financial health and creditworthiness of commercial entities. These reports deliver a comprehensive risk analysis and business credit profile, allowing lenders and decision-makers to make informed choices about extending credit or establishing partnerships.

Experian Business Reports include:

Business Credit Data

• Experian Intelliscore Plus℠: Predictive credit risk score to assess the likelihood of severe delinquency within 12 months.
• Credit utilization trends: Understand how the business uses available credit lines.
• Trade payment history: Analyze payment behavior, including late payments and delinquencies.
• Public records: Review bankruptcies, liens, and judgments.
• Key financial indicators: Evaluate the financial health of a company using balance sheet data, revenue trends, and more.

Business Profile Details

• Company identification: Business name, address, and registration details.
• Business structure and status: Details on incorporation and current operational status.
• Industry classification: SIC and NAICS codes for industry alignment.
• Experian’s data helps businesses reduce risk by providing actionable insights into payment behaviors and financial trends. By integrating Experian Business
• Reports into your decision-making process, you’ll enhance your ability to evaluate potential clients or partners effectively.

Experian Reports We Can Pull

• Small Business Lease Decision Score
• Business Owner Profile
• Standalone Business Owner Profile
• Small Business Intelliscore
• Commercial Intelliscore
• Business Profile Summary Report
• Business Profile

Preview Sample Experian Report #1

Preview Sample Experian Report #2

PayNet

PayNet provides company search and payment history to provide you detailed reports on commercial applicants.

Small business lenders frequently use this solution to gain a better understanding of a commercial applicant’s payment history and risk profile.

Equifax

The Equifax Business Credit Report provides lenders with a risk assessment score, as well as a complete set of supporting data and information covering credit, exposure, and legal status.

Preview a sample Equifax Business Credit Report by clicking the button below or see the lists of data these reports provide.

Business Data

• Other tradenames
• Business contacts and their titles
• Incorporation number and dates
• Employee count
• Sales volume
• SIC and NAICS codes

Credit Information

• Equifax risk assessment score
• Number of accounts reporting
• Number of delinquencies
• Credit limit at 90 days and 13 months (all lines)
• Highest credit score at 90 days and 13 months (all lines)
• Total credit exposure
• Total credit outstanding
• Total current and past due balances
• Judgments, liens, and legal suits

Risk Assessment Score Details

• Credit information score and trend graph
• Payment index
• Commercial delinquency score risk class
• Business failure risk score

UCC Search

Through the Uniform Commercial Code (UCC) database, you can 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
• Secured parties and debtor parties
• Filings
• Collateral

UCC filings data is helping in determining the state of collateral assets for loan origination.

Business Search

Utilize Business Search to confirm a company's identity before you conduct business with them. With this tool, you can quickly look up and confirm business addresses and phone numbers to verify that the information you have is accurate.

FAQs

Q: Is Permission Required to Check a Business Credit Report?

In the U.S., you generally do not need permission to access a business credit report. Unlike consumer credit reports, business credit information is largely based on public records and voluntarily shared data. Public records may include details from government sources like Secretary of State filings, while shared data is often contributed by vendors and lenders who report payment histories to help provide a clearer picture of a company’s financial health.

Q: What Is Considered a Good Business Credit Score?

A strong business credit score indicates that a company is financially stable and likely to meet its payment obligations. Creditsafe’s business credit score ranges from 1 to 100 and is designed to assess the risk of a business becoming seriously delinquent—defined as payments falling more than 90 days past due—or going bankrupt within the next 12 months.

The scoring breakdown is as follows:

• 1–20: Very High Risk

• 21–29: High Risk

• 30–50: Moderate Risk

• 51–70: Low Risk

• 71–100: Very Low Risk

A “good” score typically falls in the low risk or very low risk categories (scores above 50). For businesses operating internationally, Creditsafe also provides an A–E rating scale to make cross-border comparisons easier, with A representing very low risk and E indicating very high risk.

Ways to improve your company credit scores include:

o Pay your credit obligations in full and on time
o Ensure your suppliers report payment behavior to credit bureaus like Creditsafe
o Do not overextend your credit
o Contact suppliers if your payments are going to be late to negotiate new terms

Q: Do LLCs Have Their Own Credit Scores?

Yes, a Limited Liability Company (LLC) can have its own business credit score. Because an LLC is a separate legal entity from its owner, its credit profile is distinct from the owner's personal credit history. A business credit report for an LLC is built using factors such as payment history, length of time in operation, credit utilization, cash flow, and more.

In the event an LLC files for bankruptcy, it typically does not impact the personal credit score of the owner—unless the owner has personally guaranteed a business loan or line of credit. In those cases, the individual may be held personally liable.

You can review an LLC’s credit profile by requesting a business credit report, which is often available for free from business credit reporting agencies.

Q: To strengthen its credit score, an LLC should:

• Pay all invoices and credit obligations on time

• Work with vendors that report payment activity to business credit bureaus (like Creditsafe)

• Avoid overextending credit lines or borrowing more than needed

• Communicate with creditors proactively if payment delays are expected, to negotiate new terms

Q: How will I receive alerts on companies I am monitoring?

• Company monitoring alerts are instantly sent by email. You can also configure monitoring to schedule daily, weekly or monthly updates. 
• Customers using API can also choose to receieve monitoring alerts via our API.

Q: What Business Changes Can Be Monitored in the U.S.?

Monitoring business activity in the U.S. can provide valuable insight into a company’s financial health and operational status. The types of changes you can track may vary depending on the data provider and the availability of public records, but generally, U.S. company monitoring includes the following:

Key Business Changes You Can Monitor:

• Business Credit Score – Track changes to a company’s credit rating, which may signal improving or declining financial stability.

• Credit Limit Adjustments – Monitor shifts in how much credit a company is recommended to receive.

• Company Name Changes – Be alerted if a business rebrands or legally changes its name.

• Address Updates – Stay informed when a company relocates or changes its registered address.

• Phone Number Changes – Keep contact details current by tracking telephone number updates.

• Executive or Director Changes – Receive notifications when key decision-makers join or leave a business.

• Bankruptcy Filings – Get alerted if a company files for Chapter 7, 11, or 13 bankruptcy protection.

• Tax Liens – Monitor any liens filed by the IRS or state tax authorities.

• Judgments – Stay updated on legal judgments issued against a business.

• UCC Filings (Uniform Commercial Code) – Track secured lending activity that may indicate financial obligations.

• Dissolution Notices – Know when a company is officially closed or dissolved.

Monitoring these changes helps businesses manage risk, make informed lending or partnership decisions, and maintain a strong supplier or customer network.

Q: How Can I Monitor a Company?

Monitoring a business is easy through our integrated company credit report platform. While viewing any U.S. company’s credit report, you'll have the option to add that business directly to monitoring. You can either place it in your default monitoring portfolio or create a custom portfolio to organize companies by region, industry, or risk level.

If you’re tracking a larger group of businesses, we also offer a bulk upload feature. This allows you to import a list of companies and automatically enroll them in monitoring, saving time and ensuring consistent oversight.

Once a company is added to monitoring, you’ll receive real-time alerts on important changes—such as credit score updates, bankruptcy filings, or executive changes—helping you stay ahead of potential risks or opportunities.