Small Business Credit ShareSM portfolio risk scores
Mitigate risk and maximize revenue
Developed exclusively for the Small Business Credit Share consortium and powered by Experian's robust analytics, Small Business Credit ShareSM portfolio risk scores enable you to quickly identify financial accounts most likely to become delinquent. These powerful scores allow you to proactively address accounts most likely to pose future business risk. Reduce costs and maximize revenue by utilizing Experian's most powerful scores for financial portfolios.
Built for today's economic climate
Small-business risk assessment has never been easy given the scarcity of commercial information that is often available with smaller firms. This problem is compounded as scoring models developed under better economic conditions prove less reliable in today's unprecedented economic environment. Developed based on recent market performance and fueled by exclusive small-business information, Small Business Credit Share portfolio risk scores are highly effective in identifing commercial accounts most likely to become severely delinquent on financial, loan, credit card or retail card payments within the next 12 months.
Refined segmentation, optimum performance
Small Business Credit Share portfolio risk scores provide three model options to maximize portfolio performance:
- The all financial model for broad financial risk across multiple financial products
- Two targeted models to optimize performance on product-specific portfolios:
- Commercial credit card
- Commercial retail credit card
Experia has engineered these scores so that members of the financial services market achieve maximum benefits:
- Bad rate definitions are better aligned with financial portfolio objectives
- Delinquency is predicted for financial product types rather than for the business as a whole
- All models predict severe delinquency over a 12-month performance period
Powered by exclusive information from some of America's largest small-business creditors
The Small Business Credit Share program is a true give-to-get credit consortium made up of creditors providing business-to-business credit relationships across multiple industries. These relationships include information on commercial cards, loans, lines of credit, leases and trade credit relationships reported by some of the largest small-business creditors in the country. As a trusted information steward with more than 30 years of credit risk experience, Experian has put strict safeguards in place to maintain the quality of information delivered through the Small Business Credit Share program and to ensure the safety of members' data.
Small Business Credit Share portfolio risk scores are an exclusive membership benefit of the Small Business Credit Share program.
Consultative approach accelerates insight and results Experian Business Information Services can provide client validations of score performance associated with specific client portfolios. Our Decision Sciences group also can provide consultation on score performance and custom model development using the Small Business Credit Share aggregates. Working with our industry experts puts you in a better position to utilize all the capabilities Small Business Credit Share provides.
Highly effective service at a low cost
Small Business Credit Share portfolio risk scores are available as either a flat, monthly subscription service or as a transactional portfolio scoring service. Small Business Credit Share is flexible by design to accommodate the varying sizes and needs of companies. Members of any size can benefit from the exclusive, expanded content and state-of-the-art analytics available through the Small Business Credit Share program.