Features & Benefits

Our commercial risk reports provide the deep insights needed to make informed lending decisions and help protect your cash flow from bad debt. 

  • Improve credit decisioning and accuracy

    Assess the financial standing of your customers and suppliers using advanced, predictive risk modelling.

    • Advanced AI Risk Scores: Get an immediate snapshot of credit risk with the Equifax Score (ranging from -200 to 1,200). Our machine learning models evaluate complex relationships between recent and historical commercial activity to predict the probability of adverse events or business failure over the next 12 months. 

    • Enhanced Predictive Analytics: Upcoming score updates leverage recalibrated data points - including company size and tax default amounts - to deliver a significant uplift in score predictability.

  • Validate business authenticity instantly
    • Up-to-Date Corporate Identity Verification: Review Australian Company Numbers (ACN), registration status, and registered offices. Our high volume of data updates ensures information remains refreshed, while comprehensive ASIC document logs let you track critical structural changes and corporate milestones.
  • Uncover hidden risk from people behind the business
    • Comprehensive Director & Cross-Directorship Insights: Map connections between a company’s trading history, its directors, and its shareholders. Where consent is given, linking an individual's consumer credit profile delivers a noticeable uplift in capturing hidden adverse data.
  • Spot warning signs before they impact your portfolio

    • Detect Poor Trading Practices: Leverage advanced AI to proactively flag high-risk patterns like phoenixing and fraudulent liquidation behaviours before they impact your portfolio.

    • 360-Degree Entity Mapping: See the individuals behind a business. Connecting a company to its directors and their related interests expands your line-of-sight - capturing up to 12.3% of adverse applications compared to just 3.1% at a standalone company level.

  • Improve portfolio visibility

    Verify entity legitimacy and uncover hidden financial liabilities through deep integrations.

    • Up-to-Date Corporate Verification: Instantly access verified ASIC and ABR registration status, company structure, and historical document logs to support partnership transparency.

    • Comprehensive Liability Capture: View security interests registered via the PPSR alongside ATO tax defaults and Buy Now Pay Later (BNPL) credit enquiries.

    • Trade Payment Insights: Analyse historical payment behaviour, outstanding balances, and late payment performance against relevant industry benchmarks.

  • Track portfolio fluctuations automatically

    Eliminate the element of surprise with automated, around-the-clock portfolio tracking.

    • Real-Time Alerts: Receive immediate notifications regarding critical partner or supplier changes, including court actions, payment defaults, insolvency notices, or risk rating fluctuations.

    • Ongoing Monitoring: Continuously watch over your customer base to actively adjust payment terms as risk levels shift.