Data Offering
D&B Blended Scores
Gain predictive insight into small business delinquency risk to help you maximize profitability and protect your business .
Predictive Insight into Small Business Delinquency Risk
With small businesses making up 99.9% of all U.S. companies, there is significant opportunity in this large and growing market. However, making informed credit decisions on these micro and small businesses with limited commercial credit history can be challenging.
To help you navigate these challenges and opportunities, we developed D&B Blended Scores, a suite of predictive scores designed for small business credit decisioning that integrates commercial and consumer data.
Powerful Small Business Intelligence
Achieve Up to a 94% Hit Rate
Maximize Efficiency and Profitability
Protect Your Business
Designed for Small Business Credit & Lending
Harness the power of industry-leading commercial and consumer credit data to gain predictive insight into delinquency risk and expansive business coverage.
Developed with Highly-Predictive Small Business Data
Dun & Bradstreet’s superior matching of commercial and consumer data enables up to 94% hit rate and significant lifts in bad capture rate.
Our scores and underlying models are based on our commercial data plus consumer credit insights from a leading credit bureau.
Outperform Commercial & Consumer Risk Scores
D&B Blended Scores outperform Commercial and Consumer Risk Scores, especially for younger and smaller businesses with less than 20 years in business and under 20 employees.
As a business matures, grows, and establishes its commercial credit history, the predictiveness of the Commercial Scores begins to converge with the Blended Scores, while Consumer Risk Scores continue to see a downward trend.
Access When & Where You Need It
Seamlessly integrate D&B Blended Scores directly into your systems and workflows with D&B Direct+ API. This convenient integration allows you to maximize efficiency and profitability with faster and more accurate decisions on businesses of any size.
D&B Blended Scores is also available in D&B Finance Analytics Credit Intelligence and can provide comprehensive insight and expansive coverage into micro and small business risk.
D&B Blended Scores Powered by SBFE
Members of the Small Business Financial Exchange, Inc. (SBFE) can integrate an additional layer of data from the SBFE repository of more than 37M U.S. small businesses for enhanced insight.
The D&B SBFE Blended Score combines observed characteristics from the SBFE repository with our commercial data and consumer credit information from a leading consumer credit bureau to predict the likelihood that a business will have delinquent payments or seek legal relief from creditors.
D&B Blended Scores Powered by SBRI
D&B SBRI Blended Scores are a set of three scores specifically designed to predict delinquency on loans, credit cards, and leases with powerful financial performance data from Dun & Bradstreet’s Small Business Risk Insight (SBRI) database.
These scores were developed specifically to help financial services institutions improve their loan, lease, and business credit card origination strategies and performance.
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