Discover why businesses trust Creditsafe to evaluate suppliers, customers, and partners with reliable credit and risk insights.
Get a Free Business Credit Report to Help Rate Company Risk
This offer is for business users only.
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Business Credit Insights for Better Risk Rating Decisions
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Improve Cashflow
Maintaining a healthy cashflow is critical for any business. Creditsafe business reports include payment indicators and Days Beyond Terms metrics to help you understand when you are likely to get paid.
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Reducing Bad Debt
With business credit scores and limits included with every report, you can rate financial risk more effectively and work with companies that are more likely to meet their credit commitments.
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Verify your Customers and Suppliers
With business fraud on the increase, verifying the companies you do business with is even more critical. Every report allows you to verify a company is genuine, confirm its registered details, address and legal status in an instant.
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Collecting Trade References
Past behavior is one of the best indicators of future action, making accurate payment history crucial when deciding whether to extend credit. With multiple tradelines and experiences included on all reports, you can better assess a company’s payment reliability without waiting on banks or suppliers for trade references.
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Customer Due Diligence
With Compliance Screening included within all business reports, you can identify additional warning signs and potential risk before doing business with a company.
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Identifying Company Ownership
Having a deeper insight into who actually owns a company is critical when understanding the credit risk that they pose. All business credit reports will include the group structure and UBO as standard.
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What's included in a Creditsafe Business Credit Report?
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Credit scores & limits
All our reports contain a business credit score and suggested credit limit, helping you evaluate risk and make more informed credit decisions.
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Group structures and linkages
View corporate hierarchy information, including head offices, parent companies, subsidiaries, and branches at a global level.
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Payment trends and DBT
Review trade payment analysis that shows how many days late a company pays its bills and how its payment behavior compares to its industry, helping you rate the likelihood of late payment.
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Derogatory legal
Check for tax liens, judgments, bankruptcies, and other legal filings that may indicate increased financial risk.
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Small business financial data
Access usually off limits small business financial data such as commercial credit cards, term loans and open line of credit to check for how extended small business owners are.
Enter a company name below to get a free business credit report
Frequently Asked Questions
How do I check my business credit report?
With Creditsafe you can check your 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.