Why trust Experian for your business credit report needs?
- Easy-to-read business credit reports and scores
- Search for free before buying
- Flexible options for one or many reports
- Reliable business credit score factors
- Includes Intelliscore and Financial Stability Risk rating
- Business credit and identity monitoring with alerts
- Verified data on more than 30 million businesses
- Secure access via safe credit card transaction
- No sales calls or gimmicks
- Mobile friendly interface
Why are business credit reports and scores important?
A good business credit report and score are essential for getting the money you need to successfully run and grow your business. A good business credit score can save you money with lower interest rates, provide business credit without the need for a personal guarantee, and improve the overall image of your company. Understanding your Business Credit Score »
Business credit reports can also serve a vital role in managing credit risk with companies that you deal with.
The information in Experian's business credit reports is continually updated, always accessible and includes: Experian business credit score (both the Intelliscore Plus℠ and Financial Stability Risk rating) and credit trade payment information, corporate registration, business public records, key personnel, and a lot more.
Experian is a leader in providing business credit data.
Whether you monitor your own report or evaluate others, Experian has the ideal small-business reporting service for you. Business owners, accountants and administrators will find Experian's business credit reports and subscriptions to be the best value for the money, giving you the choice to instantly monitor your business credit reputation or evaluate business backgrounds and credit scores.
Instantly check a business credit report now!Why monitor your Experian business credit report?
Business credit reports form the basis for decisions other businesses make about you. By using our convenient business credit reporting service, you can make sure that data in your business credit report is accurate, which will enable the following financial decisions:
- How much business credit a supplier will extend to you
- What interest rates you will pay
- How much money lending institutions will loan you
- How your customers view you
- What your insurance premiums will be
- The level of potential investor interest
Why do I need business credit monitoring? Business credit monitoring can help you spot inaccuracies in your business credit report that could be the result of outdated or misreported information, including business identity theft that can negatively affect your business credit score. Such negative impacts to your business credit report could lead to higher interest rates and even a small business credit card or loan rejection. Keeping track of the changes in your business credit report can give you enough time to repair any issues that might be a factor when applying for small business credit tradeline.
Monitoring your business credit can help you better prepare for business growth opportunities and avoid surprises when you go to apply for loans. Generally, it's recommended to monitor your business credit report and score for at least three months before getting a small business loan or line of credit. That way, you can ensure everything is in order and see what improvements you can make. It's also a good idea to check your business credit report after your loan to verify the accuracy and know the impacts to your business credit score.
Enrollment in Experian's Business Credit AdvantageTM unlimited access and monitoring service is the best way to manage and grow your business credit. Unlimited access to your business credit report gives you the tools you need to manage and grow your credit score. And, automatic email alerts provide you the monitoring tools to watch your credit file for any inquires or derogatory filings.
Enrollment in Experian's Business Credit Advantage program also provides your business with business identity monitoring powered by CyberAgent®. CyberAgent, Experian's priority monitoring technology, proactively detects stolen business identifiable information and compromised confidential data online. CyberAgent is the only identity monitoring solution designed for proactive cyber detection on an international level - breaking language barriers and detecting identity theft across the globe. At any point in time, our CyberAgent technology is monitoring thousands of websites and millions of data points, alerting you if we find your business information in a compromised position online. This information is being gathered in real-time, giving you the opportunity to react quickly and take the necessary steps to protect your business.
Experian is a leader in providing business credit data.
Whether you monitor your own report or evaluate others, Experian has the ideal small-business reporting service for you. Business owners, accountants and administrators will find Experian's business credit reports and subscriptions to be the best value for the money, giving you the choice to instantly monitor your business credit reputation or evaluate business backgrounds and credit scores.
Enroll in business credit and identity monitoring today!Watch how Experian supports small businesses and their credit futures
Everett N., owner of Elegant Renovations, LLC in Washington DC, understands the value of actively monitoring his business's credit profile. His renovation and construction business has seen strong growth because he can fund many of the home renovation projects he takes on. Gaining consistent access to capital requires strong credit, so Everett turns to Experian Business Credit Advantage to keep tabs on his business credit.
John C., the owner of Lilyshea Design, shares his experience with monitoring for fraud to gain access to capital in his construction and design firm Lilyshea Design, LLC, based in New Jersey. With over 15 years of experience in the industry, John emphasizes the importance of monitoring his credit score and utilizing tools like Business Credit Advantage to ensure financial health for his business. John shares how he manages his credit, monitors for any fraud incidents, and maintains good credit health to secure funding for future projects.
Two years ago this small business was hacked on social media. Someone tried to take over their business. So it is critical that ongoing monitoring is part of how they do business to safeguard their reputation. Experian Business Credit Advantage empowers Alone at Home Pet Services with all of the information about their business. It alerts them any moment information about their business appears on the Dark Web.
Tammy, the owner, feels empowered with the ongoing monitoring of her small business. She tells us her Business Credit Advantage subscription enables her company to check their credit reports frequently and maintain their good credit health, and peace of mind.
Mike O., Owner of Evenflow Sewer and Drain Service in Kings Park, New York, shares how his subscription to Experian Business Credit Advantage has helped him gain access to more favorable financing options. Mike says he checks his business credit profile at least once a day to make sure he is keeping his payments current with his trading partners.
Why evaluate a company's business credit report?
Many experienced and successful entrepreneurs all agree that success is in the details. By utilizing an objective business credit reporting service from Experian to view a partner or supplier's company credit report, you can discover the following in advance:
- The status of a prospective customer's payment practices
- An existing client's business conditions
- A supplier's historical relationships with others
- What your competitors are doing
- Other financially pertinent details that give you confidence of being paid or shipped supplies on time
Having immediate access to such data can mean the difference between your profit and loss — your success and failure. Experian offers a volume discount plan for those needing access to multiple business credit reports each month.
Start a company searchHow to get an international business credit report?
In today's global business environment, knowing the risk associated with international business partners is critical. Business verification and risk assessment ensures stronger relationships, reduces exposure to regulatory penalties, and helps protect your company from fraud. That's why Experian created its international business credit report. Experian's international business credit report enables you to identify risks and build trust more quickly.
Experian provides both individual report access and volume discount plans on companies located in Austria, Brazil, Canada, Croatia, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Singapore, Spain, Sweden, Switzerland, Turkey, and the United Kingdom.
Package sizes are 10 and 20 reports per year. Pricing can be found on our Products and pricing page.
Experian also provides international developed profile reports for companies located in Australia and Mexico NEW. Pricing can be found on our Products and pricing page.
Start an international company search
Knowing how to manage and improve your business credit score can save you time and lower your cost of securing funds critical to growing your business.
Answering up to 10 questions will provide you with an estimated Credit Score and allow you to use the Score Planner to:
- Learn how changes in your credit information impact your score
- Test out theories by seeing how your score might change
- View possible scenarios to find out how they will impact your score
Just wanted to say, Don't Change Your Website! It is perfect!! Each time we login the reports we need are obtained quickly and accurately. It is very refreshing to utilize a website that gets the job done for us...
~ Cynthia N., LOC Scientific.
Watch how Experian supports Small Businesses and their credit future
What is a business credit report?
Much like a personal consumer credit report, a business credit report contains financial references, which help potential creditors make decisions about doing business with you, only on your company or small business rather than you as an individual. Such information is needed for a business credit check. References are provided by those with whom you have established credit relationships, such as:
- Suppliers
- Wholesalers
- Manufacturers
- Banks
- Leasing companies
- Utility companies
- Small business credit card issuers
How do I check my business credit score?
Many small business owners don't realize that business credit scores are distinctly separate from personal credit scores. Checking your business credit score has no impact on your personal credit score, and vice versa.
Business credit scores reflect your company's image to potential lenders and business partners. Yet, unlike personal credit ‐ which can be viewed only with the permission of the report holder ‐ business credit scores are made available to the public. Anyone can view your business credit score for any reason.
You can check your business credit score instantly with the purchase of your Experian business credit report. Experian's business credit reports are scored by the Experian Intelliscore Plus model.
When you check your business credit score it will include the top score factors, along with a financial stability risk rating.
- 1 - 100 scale
- Higher score = lower risk
- Risk factors describe what is impacting the score
Why are business credit scores important?
Checking business credit scores are vitally important for your business. They can define your company's financial reputation and background, so understanding and managing your business credit score is essential for success.
Often used as an indicator of a company's "health", Experian business credit scores are most commonly used to help suppliers and lenders decide if a company can take on obligations, and if it will likely pay those obligations on time.
Business credit scores serve owners with three potential benefits:
- Helps small businesses more easily gain access to the loans and lines of credit it needs at better terms
- Lower your interest rates and insurance premiums
- Boost investor interest in your business
How can I improve my business credit score?
To improve your business credit score, remember to follow these tips:
- Act like a business ‐ Maintain a distinctly separate business credit profile from your personal credit
- Avoid surprises ‐ Be proactive and monitor your business credit score by performing regular business credit checks
- Stay current on payments to creditors
- Ensure that your good payment history is reported to the Experian credit bureau
- Use Experian's business credit planning tool to learn what can improve your business credit score
When a small business lender reports payment history to Experian, it can help build and improve your business credit profile report and score. The reported information can either help establish a new profile, or strengthen an existing one by providing additional tradeline activity. If your business pays its loans on time, it can further strengthen your business credit profile by showing that your business is managing its payment obligations responsibly ‐ and thereby positioning itself as a better business credit risk for future lenders.