Frequently Asked Questions

SBFE is a trade association for small business credit lenders and a commercial data repository. SBFE is not a commercial credit reporting agency and does not build or offer credit reports, scores, or models.

If your commercial lender is an SBFE member, your payment history is reported by your lender to SBFE. SBFE then provides that payment history to the following commercial credit reporting agencies: D&B, Experian, Equifax, and LexisNexis Risk Solutions.  The commercial credit reporting agencies combine your payment history information with other data sources (such as public record, Secretary of State filings, and trade-type account receivable data) and use all the information to create certain credit reports, models, and scores.

No, the payment history reported by SBFE members will only be found in a subset of credit risk products developed by D&B, Experian, Equifax and LexisNexis Risk Solutions. Each commercial credit reporting agency offers various types of credit reports and scores that are built from different data sources (which may or may not include SBFE data). Each lender determines which products to purchase from the commercial credit reporting agencies.

The commercial lenders that contribute data to SBFE report the payment history tied to extensions of credit (such as commercial term loans, lines of credit, leases, and credit cards).

No.  Small businesses are not permitted to join SBFE or report their payment history directly to SBFE.

For questions about your business credit report or to request a copy, please contact the commercial credit bureaus listed below.

For questions about your business credit report or to request a copy, please contact the commercial credit bureaus listed below.

No. SBFE is not a commercial credit reporting agency and does not ingest net 30, 60, and 90 trade credit accounts. SBFE Members report payment performance history tied to their customer’s commercial loans, lines, leases and credit cards.

The SBFE model is centered on protecting our member's data and the way this is done is by anonymizing the lending institution name. Due to how the model operates, SBFE is constrained within our member agreements that dictate confidentiality. We do have members highlighted at the bottom of the home page of our website that have given us the approval to spotlight them.  Visit the highlighted members section of our homepage to find these lenders. Please visit our homepage and scroll to the bottom of the page to find these lenders.