Creditsafe brings hidden insights to the surface with business data, real payment behavior, and owner-level intelligence, so you can confidently extend credit where others can’t. To get started simply enter a company name below.
Shine a light on small businesses and approve with confidence
This offer is for business users only.
How can Creditsafe’s small business credit reports help your company?
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Turn Thin Files into Insight
Creditsafe enhances limited business data by incorporating Business Principal Reports. This allows you to assess creditworthiness even when a company has little or no credit history.
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Reduce “Unknown Risk” with Owner Data
Creditsafe provides visibility into a business owner’s personal credit profile. This helps turn startups from unknown risks into informed credit decisions.
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Validate Trust with Real Payment Data
Creditsafe reports show how businesses actually pay their invoices. This gives suppliers confidence even without established trade references.
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Predict Risk Early
Creditsafe scoring models identify businesses likely to fail before issues arise. Helping you to reduce exposure and protect your cashflow.
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Strengthen Thin Credit Profiles
Creditsafe enriches profiles using data from over 430 million businesses worldwide. This provides a clearer, more complete view of risk.
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Spot Red Flags Faster
Creditsafe small business reports highlight key risks tied to company owners. This enables smarter credit terms and safer lending decisions.
Award-Winning Credit Intelligence, Backed by Real Users
Voted #1 for Financial Risk Management & Credit and Collections
Enter a company name below to get a free business credit report
Join over 120,000 customers worldwide
Check out why Creditsafe is the highest rated credit bureau on Trustpilot in the US
What's included in a Small Business Credit Report?
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Credit scores & limits
Access a clear credit score and recommended limit to evaluate risk quickly. This helps you confidently extend credit, even when a business has limited borrowing history.
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Business ownership & principal insights
Understand who’s behind the business with visibility into the owner and their personal credit profile. This gives you a stronger foundation for decision-making when a business lacks established credit history.
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Payment trends and behavior
See how a business actually pays its bills and how it compares to industry averages. This gives you real insight into reliability when payment history is limited or unavailable.
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Legal & derogatory data
Identify liens, judgments, and bankruptcies that could signal risk. These insights help you spot potential issues early, even with thin credit profiles.
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Financial exposure insights
Go beyond basic data with visibility into credit cards, loans, and overall credit usage. This helps you understand how financially stretched a business may be before extending terms.
Enter a company name below to get a free business credit report
Frequently Asked Questions
How can I evaluate a small business with no credit history?
When a business has a thin or nonexistent credit file, you can use additional data like payment trends and owner (principal) credit insights. This gives you a more complete picture and reduces the risk of approving an unknown business.
Why is payment history important when extending trade credit?
Payment history shows how reliably a business pays its invoices over time. Even without traditional credit data, real payment behavior helps you identify trustworthy businesses and avoid late payers.
Does checking a business owner’s credit impact their personal credit score?
No, Creditsafe Business Principal Reports use a soft pull on the individual’s credit file. This means you can review a business owner’s credit information without affecting their personal credit score or leaving a visible mark for other lenders.
What is a small business credit report?
A small business credit report provides a detailed view of a company’s creditworthiness, including credit scores, payment behavior, and financial data. It helps lenders and suppliers assess risk, especially when a business has limited or no credit history.
How do I reduce risk when offering credit to small businesses?
You can reduce risk by using credit scores, monitoring legal filings, and reviewing financial exposure like loans and credit usage. Combining these insights allows you to make more informed and confident credit decisions.
What financial data does Creditsafe have access to and include in small business reports?
Small business reports include detailed insights into commercial credit activity such as loans, leases, and business credit cards. This helps you understand how a business manages its financial obligations and how financially stretched it may be before you decide to offer credit.