Manage your cashflow more effectively by understanding the financial stability of the businesses you deal with.
Check Business Credit Scores and Company Ratings
This offer is for business users only.
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Business Credit Scores and Company Ratings
With our scoring model, we can predict 70% of company bankruptcies 12 months in advance, saving you the financial worry that bad debt brings.
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Improve Cashflow
See how quickly a company pays its bills using payment indicators and Days Beyond Terms. Set appropriate terms with greater confidence and improve your chances of getting paid on time.
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Reducing Bad Debt
Use business credit scores and suggested credit limits to assess financial risk before extending credit, allowing you to focus on companies more likely to meet their payment commitments.
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Verify your Customers and Suppliers
Confirm that a company is legitimate before doing business with them. Review its registered details, address, legal status and other key information all in one business credit report.
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Assess Payment Reliability
Past payment behavior can be one of the strongest indicators of how a company may pay you. See a broader view of real trade payment experiences, not just the best references a company chooses to provide, so you can assess payment reliability with greater confidence.
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Strengthen Customer Due Diligence
With Compliance Screening included with all reports, you can identify compliance risks, warning signs and potential concerns before onboarding a company. Make more informed decisions about who you do business with.
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Understand Company Ownership
Having deeper insight into who actually owns a company is critical when understanding the credit risk they pose. See who ultimately owns and controls a company using group structure and UBO information in your business credit report.
Enter a company name below to get a free business credit report
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What’s Included in a Creditsafe Business Credit Report?
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Business credit scores & limits
See a company’s business credit score and suggested credit limit to quickly assess financial risk and make more confident credit decisions.
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Group structures & linkages
Understand who sits behind a company with visibility into parent companies, subsidiaries, head offices and branches around the world.
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Payment trends & Days Beyond Terms
See how quickly a company pays its bills, how many days beyond their terms they typically pay and how its payment behavior compares with the industry.
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Derogatory legal
Identify tax liens, judgments, bankruptcies and other legal filings that could signal increased financial risk before you extend credit.
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Small business financial data
Gain deeper insight into smaller businesses with limited trade history by reviewing data such as commercial credit cards, term loans and lines of credit.
Enter a company name below to get a free business credit report
Frequently Asked Questions
How do I check a business credit report?
With Creditsafe you can check a business credit report for free by simply requesting a free report. You can also use this free report to review any of the companies that you do business with. To get started with a free report simply request a free report.
Does an LLC have its own credit score?
Yes, as a Limited Liability Company (LLC) is its own legal entity it is separate to the owner’s personal credit score. As with any company, an LLC will have a business credit report, score and limit which is derived from many factors including but not limited to, payment history, time in business, credit utilization, cash flow statistics etc. If an LLC does go bankrupt then this should not affect the owner’s personal credit score. There are some exceptions such as if the owner has signed a personal guarantee for a debt in which case they would liable. To review the credit score of an LLC simply request a free business credit report.
To improve credit scores LLC’s should aim to:
- Pay its credit obligations in full and on time
- Ensure suppliers report payment behavior to credit bureaus like Creditsafe
- Do not overextend credit
- Contact suppliers if payments are going to be late to negotiate new terms
What is on a business credit report?
A business credit report provides a snapshot of the financial stability of company. With a Creditsafe business credit report you will find the following information:
- Credit Scores and Limits – a score representing the creditworthiness of the business along with a suggested credit limit.
- Company Details – information such as registered address, SOS number, activity codes, phone number, website and much more
- Payment History – payment information showing how the business pays its credit commitments
- Adverse Legal Filings – bankruptcies, legal filings, liens etc will all be present on a business credit report
- Possible Compliance Violations – Creditsafe also offers possible compliance alerts so you can review not just financial but also reputational and regulatory risk in one report
Do you need permission to run a business credit check?
In the United States you don’t need permission to run a business credit check as the data contained within a business credit report is public data and shared data. The public data will come from official sources such as Secretary of State filings whilst shared data will be collected from trade payment contributors who share their payment ledgers to increase the visibility of companies financial stability.
What is a good business credit score for rating financial viability?
The Creditsafe business score is used to predict the likelihood that a business’ payment performance will become seriously delinquent (defined as 90 days plus beyond terms or the company will become bankrupt within the next 12 months. The score is from 1 -100 with 1-20 being Very High Risk, 21 – 29 High Risk, 30 – 50 Moderate Risk, 51 – 70 Low Risk and 71 – 100 Very Low Risk. A good credit business credit score should represent a low risk or better. For international comparison Creditsafe also offers an A – E international score allowing for cross border comparison with A being Very Low Risk and E being Very High Risk
Ways companies can improve their credit scores include:
- Pay its credit obligations in full and on time
- Ensure suppliers report payment behavior to credit bureaus like Creditsafe
- Do not overextend credit
- Contact suppliers if payments are going to be late to negotiate new terms
Why do you offer a credit score and not a credit rating?
Businesses today need fast, data-driven insights that can integrate directly into workflows and decisioning systems. A credit score delivers a clear, scalable, and highly granular view of risk, allowing customers to tailor their own policies and respond quickly to changing market conditions.