Small Business Credit Report

Unlock Deeper Insights with the Small Business Credit Report – Built for the Canadian Market

The Small Business Credit Report is Canada’s first credit solution built specifically to deliver actionable insights on small businesses, using data sourced directly from the country’s largest financial institutions. It offers a detailed view of small business credit behaviour—covering payment patterns, authorized credit limits, and outstanding balances—giving you a clearer picture of a business’s financial health to support more confident and informed risk decisions.

Key Benefits and Applications

Risk Mitigation

• Make smarter decisions throughout the customer lifecycle with reliable, real-time credit data.

• Confidently onboard clients with enhanced risk intelligence that helps prevent fraud and reduce default rates.

• Deepen your understanding of existing customers and enhance portfolio management.

• Strengthen your Know Your Customer (KYC) and regulatory compliance through third-party data validation.

• Meet both credit assessment and compliance needs through a unified risk solution.

• Lend with confidence and support small business growth—fueling broader economic development in Canada.

Operational Efficiency

• Enable automated credit decisioning to accelerate processing and reduce errors.

• Choose from flexible access options including web portal, system-to-system integrations, and batch processing.

• Achieve cost efficiencies by minimizing manual effort and reducing resource requirements.

• Access both small business and business owner credit files from a single, integrated platform.

• Centralize and streamline your adjudication process by consolidating multiple key data sources into one transaction.

Revenue Generation

• Discover hidden growth potential within your existing portfolio.

• Match small businesses with the most suitable products and services.

• Enhance line management strategies using refined credit intelligence.