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BizCreditReports offers a complete suite of business-to-business solutions that help you manage risk and qualify credit customers. Our business credit reports provide comprehensive commercial credit and financial information on businesses - large and small - nationwide. Reports are also available on business owners and principals.

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Business Owner Profile

 

Business Owner Profile can help you decide who you can trust ... and who you can't. The first of its kind in the commercial credit industry, the BizCR Business Owner Profile combines BizCR's expertise in consumer and business credit reporting to give you the most accurate, current and comprehensive business and proprietor credit information available.

Understand the complete financial portfolio
It's fairly common for proprietors to leverage their personal net worth to meet business obligations. If a proprietor takes out a loan against the equity in his home, that loan will not appear on a standard business credit report, but it will appear on the Business Owner Profile.

Expand your small business customer base
BizCR
Business Owner Link can automatically link the credit history of more than 5 million business owners to the credit history of their business, making it easier for you to access a Business Owner Profile on small business accounts.

Determine the overall creditworthiness
BizCR allows you to better determine the overall creditworthiness of your current and potential customers. Accessing both reports may lead you to alter your decision or adjust terms before granting credit.

Avoid the high risk
By using the Business Owner Profile you can avoid the high risk associated with small businesses while identifying good credit risks and uncovering new account opportunities

Features:

Identifying information
Names and addresses for the proprietor, the business, and any other employment.

Summary data
A quick overview of key elements of the proprietor's credit risk profile, including year of birth and real estate information.

Individual risk profile
Prediction – based on the National Risk Model of the proprietor entering a seriously derogatory status within two years.

General risk guidelines
The classification of all proprietors into one of three risk ranges, as well as major characteristics to determine the probability percentage of a proprietor becoming derogatory within two years.

Credit payment profile
Current payments; loan obligations and delinquent accounts; and a positive, negative or neutral account status.

 

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