SBFE was created by the small business lending industry over 20 years ago.  SBFE operates a highly trusted data exchange on behalf of lenders to small businesses; these lenders become members of SBFE’s trade association.  SBFE securely stores and manages data from over 140 members, including the top 10 commercial banks, which makes SBFE one of the largest repositories of small business credit information.  Although SBFE receives credit information from small business lenders, SBFE is not a credit reporting agency, and SBFE does not create credit reports.  SBFE members’ data is used by SBFE’s commercial credit bureau partners to deliver highly predictive credit reporting products and portfolio management tools.  Only members of SBFE’s trade association may contribute data to SBFE, and only members are able to purchase products from SBFE’s commercial credit bureau partners.