Business Credit Report

A business credit report indicates a company’s credit-worthiness and includes the following:

BUSINESS PROFILE:

Includes: Registered company name, address, registration number/trade license, share capital, shareholders, activity description, size of the business, company history and reputation, background of the principals, number of employees, press/news items.

CREDIT HISTORY:

a summary of an entity's credit history (trade references: mostly gathered from companies with which the subject company has had financial relationships, such as suppliers or other finance dealers, and any secured or unsecured debts).

PRESENT FINANCIAL POSITION AND STRENGTH:

cash flow, the financial resources of the company, working capital, net worth, financial statements, ratios, banker’s information, and representative auditors/lawyers.

CREDIT RATING AND CREDIT RECOMMENDATION LIMIT:

a score is calculated to measure the level of financial risk of the business to a lender and the probability of the business defaulting on the loan. The rating will also reflect the size and scope of the business.