Experian's Commercial Credit Bureau is a market-leading source of information on British businesses and their financial health. The bureau compiles information on credit consumption, payment behaviour and current account turnover. Our data, people and processes are trusted by over 35,000 clients, across every industry and size.
The accuracy and availability of our bureau data is critical. For over 30 years, our data informs market-level insight and analysis, helping your business stay up-to-date with market trends and optimise credit strategy.
Experian’s Commercial Credit Bureau holds added-value data on the vast majority of the active limited population and over 3.25 million active non-limited businesses sourced from a wide range of data sources: public information, mandatory data sharing, voluntary data sharing and Consumer Credit data for Directors.
Cashflow is a necessity for any business and the key to discerning business risk and capacity to borrow is understanding income and expenditure, whether there is stress within the business, and if they are stable, growing or contracting.
Commercial CATO data (Current Account Turnover with 10.9 million current accounts) provides this view, making up for the shortcomings in Companies House data by offering an up-to-date picture of the cashflow position of a business and thus its ability to repay credit.
When combined with Commercial CAIS data (Commercial Credit Account Information Sharing, 19.15 million commercial credit accounts) we can understand what borrowing a business has, whether they are paying on time and the velocity of change in borrowing - which means we can really understand the business from a credit perspective and its capacity to borrow.
Our trade credit programme, Payment Performance, enriches this picture by showing how long an organisation takes to pay its bills and movements in ‘Days Beyond Terms’, which is a predictive indicator in understanding the changing fortunes of a business.
Being able to assess the affordability of facilities quickly and effectively for commercial customers has never been more critical. Not only does it help meet increasing demands from regulators – especially with respect to responsible lending and Consumer Duty, it also improves margins based on reduced referrals and underwriting; minimises bad debt through reliable and automated application of affordability criteria; and enhances and accelerates customer experiences to create new competitive edge.
Experian has partnered with Metro Bank to tangibly improve its lending offering and service to its SME customers through a more automated, digital journey, utilising Experian’s expertise, decisioning and commercial data to facilitate a more customer-centric experience, helping more small businesses get the funding they need to grow.Find out more
For over 30 years we’ve collated an unparalleled range of data sources to provide businesses with accurate and reliable commercial credit information.
Our bureau contains credit account details from hundreds of lenders, along with public information and uniquely derived data. These extend across a wide range of consumer and business activities, including finance, electoral roll, limited and non-limited company data, and directorships.
Our databases are updated constantly, using rigorous quality control procedures, making them both accurate and up-to-date.
To understand how our bureau data and commercial risk scores can reduce your risk exposure and power better informed lending decisions, fill in the form below. One of our specialists will be in touch.
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4D Credit is the most comprehensive and innovative suite of commercial credit data and insight solutions on the UK market.
Make the best credit decision at the point of customer application – calculated in real time, delivered through a variety of online systems.
CAIS is a membership driven data sharing network that collects and distributes credit data on both Consumer and Commercial accounts.