4D Credit is the most comprehensive and innovative suite of commercial credit data and insight solutions on the UK market, combining Credit risk, Survivability, High Growth and Affordability scores. Using our market-leading data, insights and models, 4D Credit combines traditional and non-traditional data, with built-in data science, analytics and consultancy.
With 4D Credit, you get access to the widest possible data universe at your fingertips for a complete view of how the macro-economic environment – including high interest rates, high energy costs and unstable customer confidence – is impacting commercial customers.
4D Credit leverages data from Experian’s up-to-date industry-leading sources of information on UK SMEs and sole traders (including commercial CATO data, CAIS data and Payment Performance data with over 6 million ledger transactions) to drive and inform your lending decisions.
By combining commercial Credit risk scores, Survivability, Growth scores and Affordability metrics, 4D Credit gives you accurate, up-to-the-minute insights into customer credit risk and new lending opportunities.
Credit risk and affordability insights
Traditional and non-traditional data
A multidimensional and robust view of customers
Greater predictive accuracy for existing scores
Optimise risk appetite to support underserved businesses
Determine which businesses are going to fail and best equipped to survive or grow
Make decisions based on businesses' long-term impact
Protect your portfolio by proactively managing problem debt