The complete cash to credit platform for finance teams
- Quickly & easily retrieve credit reports on 500+ million companies
- Monitor credit risk
- Manage large portfolio's
- Automate credit processes and credit decisions
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
How it works
Control and manage credit risk with 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 Maximum Credit
D&B's maximum credit shows the total value of goods and/or services that the average creditor should have outstanding at one time. This limit is calculated based on organization size, industry (SIC) and risk factor.
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.