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 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.
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.
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
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:
- D&B Business Information Report – D&B’s credit rating and PAYDEX information
- D&B Background Report – Summary of basic information for any given business
- D&B Comprehensive Report – In-depth evaluation of a business’s financial stability
- D&B Credit Scoring Report – Predictive analysis of a business’s delinquency risk for 12 months
- D&B Payment Analysis Report – Historical analysis of a business’s payment performance
- D&B Supplier Evaluation Report – Risk assessment score to help determine the level of engagement you’ll want with specific suppliers
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
Additional Reports & Features
When you sign up with Soft Pull Solutions, you’ll have access to a variety of other detailed reports and services designed to meet your specific business needs. Click the button to view a full list of reports available to your account or to schedule a meeting.
Difference Between Soft & Hard Pulls
| What Is Different? | Soft Pulls | Hard Pulls |
| Impact on consumer credit? | No | Yes |
| Social Security Number required? | No | Yes |
| Date of Birth required? | No | Yes |
| Does running an inquiry create trigger leads? | No | Yes |
| Do you need to print a Risk-Based Pricing Notification and give it to the consumer after you pull the report? | No | Yes |
| Is it a full credit report? | Yes | Yes |
| Is a FICO Score included with the report? | Yes | Yes |
| Is the report sufficient for tenant screening purposes? | Yes | Yes |
| Can I get consent over the phone? | Yes | Yes |
See the Difference Firsthand
Click below to view a sample of a soft pull credit report