The complete cash to credit platform for finance teams

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Credit

Introduction

D&B Credit

The platform for global credit management

Monitor credit risk for clients and suppliers

Automate credit processes and credit decisions

Optimise your cash flow

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How it works

Beheers en manage kredietrisico met D&B Credit

Every day we collect, analyze and structure huge amounts of financial data. Thanks to our patented quality processes and smart algorithms, we can inform you about the financial health of your customer, prospect, partner or supplier.

Overall Business Risk

Although each market worldwide has its own risk scores and ratings, Overall Business Risk uses data available locally to create a globally consistent picture that can be used to compare companies in different countries.

D&B Failure Score

The D&B Failure Score makes risks visible and is based on the largest possible amount of trade information. This score refines the risk scale from 1 to 4 of the D&B Rating to a more refined scale from 1 to 100. The higher the D&B Failure Score, the healthier the status of that company. The D&B failure score is dynamic, meaning that it is recalculated every time we collect a new piece of information about an origination, or when information changes.

D&B Paydex

Through the Dun-Trade® Program, D&B annually collects millions of payment experiences from companies in order to be able to analyze the payment behavior. The result of this analysis is shown in the D&B Paydex®, which indicates how fast a company pays its invoices. Every day, thousands of current payment experiences are added to the database. This gives the Paydex® rating a very up-to-date insight into the payment behavior of your customers, prospects and suppliers.

The power of the D&B Rating

It has been shown that, twelve months before the bankruptcy decision, 75% of the bankrupt companies had a D&B ‘Risk Factor 4’. The Risk Factor warns you at an early stage about possible problems and gives you plenty of opportunity to adjust your terms and conditions accordingly in order to avoid losses.

Elements of the D&B Rating

The D&B Rating consists of two parts, namely the ‘financial strength’ code (based on the net equity) and the ‘Risk factor’ to reflect the risk, when you start doing business with a company. The Risk Factor varies from 1 (minimum risk: continue the transaction) to 4 (significant risk: only do business on a secured basis). This risk indicator is unique in the world of credit.

D&B Credit in numbers

Credit

500M+

Active business records

120M

Hierarchy members

375M

Daily updated data elements

200

Countries worldwide

1B

Trade experiences

20 years

Payment experiences

Features

What to expect from D&B Credit?

Easy to use

The intuitive interface makes it easy to manage the credit risks of your portfolio. D&B Credit is web-based, so no downloads are necessary.

Optimized dashboards and graphs to help you better monitor in one view
Lightning fast, intuitive and user-friendly UI for the best user experience;
Fully compatible with all modern browsers

Unravel corporate family structures

The Dun & Bradstreet Family Tree let’s you examine risk across an entire corporate entity, leveraging the power of the DUNS-number in our extensive database of corporate families.

Visualize the subsidiaries and branch locations within a corporate entity
Discover total risk in a corporate family and therefore better manage the portfolio
Assess the size of the company and possible conflicts of interest
Accurately report on larger suppliers

Keep track of legal activities

Past and present legal activities can impact a company’s financial stability and operations. Here you’ll discover lawsuits and resulting court rulings. Dun & Bradstreet is the only credit data provider that offers lawsuit data at an earlier stage.

Examples of legal activities that could affect your business include:

Insolvency events (such as administration, receivership and bankruptcy)
Court rulings
Other public filings

Monitor companies with alerts

You need to know what’s happening with your customers when it is happening, so you can proactively drive the strategy instead of being caught off guard. Receive alerts on accounts and be the first to know when a business has an increasing level of risk. Early notifications allow you to make quicker decisions, so you can focus on the more complicated cases.

Mitigate risk and manage credit changes through alert profiles
Monitor your customers’ financial health and protect your business
Receive notifications via email, dashboards and reports that let you know the moment a business begins to pose a higher level of risk or opportunity

To see is to believe

Please contact us for a demo. We are happy to show you everything D&B Credit has to offer.

Consult Country Intelligence expertise

Dun & Bradstreet Country Insight Services provides you with the information, insight and expert recommendations to identify opportunities and risks whilst doing business across the globe.

Easily download a single country snapshot or full report within D&B Credit
Assess information about 132 countries
Use the Country Risk Indicator for a comparative cross-border assessment, ranging from DB1 through DB7, where 7 has the highest risk
Make safe decisions with AAA – the most well-known rating model on the market

Powerful segmentation within your portfolio

Understand the total risk and identify growth opportunities in your account portfolio trough powerful segmentation capabilities and flexible tagging options. Your entire team will be able to zero in quickly on the right information.

Easily add customers to your portfolio and organize them by relevant characteristics
Generate a limitless number of tags to create the segments that help you be more efficient
View portfolio trends in clear dashboards and clickable summaries
Simply spot payment trends and discover slow payers or defaulters altogether
Integrate your own data to create a holistic view of your portfolio

Track social presence and news items

Because businesses often maintain an active presence through social media, D&B Credit can give you additional insights from other data sources such as aggregated tweets, online company news alerts and changes in management.

Third-party web and social feeds integrated into reports, providing real-time qualitative information
The event timeline provides an overview of the most important developments and events affecting the company
Identify relevant stories about this company which are collected using advanced search algorithms
Check social media activities in the top business tweets section

Stream data and analytics into your own applications

Our D&B Direct for Credit API provides the intelligence to transform the way you do business. It delivers risk and financial data into the applications where you need them most. Provide your teams with the instant insight they need, to improve the quality and speed of decisionmaking to drive better business results.

Access all relevant information within your ERP and accounting applications
Improve cash flow by reducing credit risk and identifying opportunities across the credit portfolio
Synchronize the flow of information across all your financial systems for better & faster decisions
Automate decisions to manage risk, receivables, and collection priorities

D&B Credit is here to help you

With the leading D&B Credit
we help you to achieve growth without running more risk or compromising on quality.

Export options

View reports the way you want to see them, going intuitively from critical summary information to comprehensive intelligence.

Save snapshots to look back at the previous situation
Pick and choose which information you want to export
Easily export to PDF or Excel

Product comparison

Your goals, many possibilities

Achieve your credit management challenges with D&B Credit.

Full access to more than 330 million company records globally
Powerful proprietary scores and predictive indicators to help you understand total potential risk and opportunity
A cloud-based, intuitive interface that’s easy to use