Small Business Company & Owner Risk Profile

This product delivers the D&B data elements that are necessary to generate the FICO Small Business Scoring Service (SBSS) Origination Score, a consumer-commercial blended score. The D&B data elements included in this product are a mix of trade, firmographic, and public record, and the scoring packet is most often utilized within the Financial Services industry.

Requirements & Options

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, a country code of "US" and the appropriate product code will be required. If this information is not available, refer to obtaining a company D-U-N-S Number for assistance. A trade up option exists to request data for the headquarters when the requested organization is a branch.

NOTE: The product code for Small Business Company & Owner Risk Profile is SBCRP. This product currently may not be included in the Monitoring process.

Business Elements

The following table is an alphabetical list of the unique items delivered in this data layer. Legend: [C] = may be included in a Custom Data product; [M] = may be referenced by the Monitoring process; [M+] = Monitored using an aggregate or attribute XPath.

NOTE: This product will return a set of standard elements (e.g. D-U-N-S Number, Organization Name, Trade Styles, Family Tree Role, Primary Address, Mailing Address, Telephone Number, Fax Number, et al.) along with the business elements listed. In addition, customers who compare the following table to the Data Primer should be advised of several intentional differences.

Name Description XML* JSON*
Average High Credit Amount The average of all high credit payment experiences. [C] SOAP REST
Bankruptcy Indicator When TRUE it indicates subject is involved in a bankruptcy. [C] SOAP REST
Business Commentary Text Text that records a brief statement of the subject company's assessment [C] SOAP REST
Business Trading Disclaimer Text Text that is intended to specify or delimit the scope of rights and obligations that may be exercised and enforced by parties in a legally-recognized relationship. Can repeat up to three times. [C] SOAP REST
CEO Name Text recording the name of the CEO Organization. [C] SOAP REST
CEO Title Text recording the title of the primary executive. [C] SOAP REST
Commercial Credit Class Score A one digit number from 0 to 5 based on the information D&B's file. It indicates the risk of delinquent payments over the next 12 months. [C] SOAP REST
Commercial Credit Percentile Date The Date on which the credit score was generated from the model [C] SOAP REST
Commercial Credit Raw Score A numeric value that predicts the likelihood that the organization will pay its bills in a severely delinquent manner (90+ days overdue) over the next 12 months [C] SOAP REST
Commercial Credit Score Class Description Text that describes the credit risk numeric score. It is a translation of the risk of delinquency over the next 12 months. [C] SOAP REST
Commercial Credit Score National Percentage A number that identifies where this organization's Commercial Credit score falls relative to the scores of other businesses. As an example, if the percentile here is 10, it means that this organization's score is the same as or better than 10% of the busi [C] SOAP REST
Commercial Credit Score Risk Incidence Percentage A percentage specifying the likelihood that the organization will pay bills in a delinquient manner, seek legal relief from creditors, or cease operations without paying creditors in full. A low percentage indicates a high probability the the business wil [C] SOAP REST
Commercial Credit Score Risk Incidence Percentage Industry Median The 50th percentile value for the commercial credit score for the subject's industry. A subject with a percentile score below this norm would be considered to be in the bottom 50% of all companies within this industry to face delinquency. [C] SOAP REST
Composite Paydex Prior 12 Months A numeric average of the Paydex scores of the 12 months prior to the most recent 12 month period. There must be at least 6 numeric Paydex scores in the 12 month period for use in calculation of the composite Paydex. [C] SOAP REST
Control Ownership Date The date when the current owners took over this business. [C] SOAP REST
Count of Payments with Slow or Negative Experiences The total number of payment experiences with slow pay manner and or negative comments for the subject organization within the past 12 months. [C] SOAP REST
D&B Rating Text describing the estimated financial strength and composite credit appraisal assigned to the subject at the time of last update. [C] SOAP REST
Do Not Confuse with Organization Name Text recording a name which could be very similar to the name of the subject and is very likely to be mistakenly used as the name of the subject. [C] SOAP REST
Financial Condition Text Text that provides an indication of the strength of the business finances. [C] SOAP REST
Former Rating The former rating of the subject business [C] SOAP REST
Guarantee Rating Reason Text Text that indicates that the parent company has pledged to honor its subsidiary. [C] SOAP REST
Headquarter Employee Quantity A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations at the headquarter location. [C] SOAP REST
History Indicator A code indicating whether detrimental information exists for the company and whether complete details exist on management and company. [C] SOAP REST
Judgments Indicator When TRUE it indicates that there is judgment information recorded in the D&B database for this subject. [C] SOAP REST
Liens Indicator When TRUE it indicates that there is lien information recorded in the D&B database for this subject. [C] SOAP REST
Line of Business Text that records the description of operations continued by a business. [C] SOAP REST
Low Range Score for Commercial Credit Risk Incidenc Raw Score Text that records the low end number in a range for the Commercial Credit Raw Score. For example if the range were 240 - 280 than 240 would be the low range number. [C] SOAP REST
Maximum Range Score for Commercial Credit Score Risk Incidence Raw Score Text that records high Score for Incidence of Delinquent Payment. [C] SOAP REST
Negative Payment Business Trading Disclaimer Text Text that is intended to specify or delimit the scope of rights and obligations that may be exercised and enforced by parties in a legally-recognized relationship. [C] SOAP REST
Organization Out of Business Indicator When TRUE it indicates that this organization is no longer functional / trading. When FALSE it indicates that this organization is functioning / trading. [C] SOAP REST
Organization Start Year The year when operations undertaken by the organization commenced. [C] SOAP REST
Out of business indicator Indicator signifying company is out of business [C] SOAP REST
Out of Business Indicator Text that records that the business has ceased trading permanently and will not resume operations at their last most recenlty listed address. [C] SOAP REST
Overall Trend Text Text that indicates the direction and profits. [C] SOAP REST
Parent Organization Bankruptcy Chapter Conversion The new Chapter number to which the parent organization converted [C] SOAP REST
Parent Organization Bankruptcy Chapter Conversion Date The date when the bankruptcy was converted from one chapter type to another (format YYYYMMDD) of the subject's parent organization. [C] SOAP REST
Parent Organization Bankruptcy Company Name Text recording the name of the parent company in bankruptcy proceedings. [C] SOAP REST
Parent Organization Bankruptcy DUNS number A nine-digit number assigned by D&B to identify a business. This DUNS Number identifies the parent/headquarters in bankruptcy proceedings. [C] SOAP REST
Parent Organization Bankruptcy Filing Chapter Number A number that identifies the Chapter of Bankruptcy Law under which the legal proceeding was filed for declaring the subject's inability to pay its creditors. For example, in the US 'Chapter 7' means Liquidation, 'Chapter 13' means Adjustment Of Debts Of An Individual With Regular Income. Note: The word Chapter" is simply a reference to a chapter number in the US Bankruptcy Code." [C] SOAP REST
Parent Organization Bankruptcy Filing Date The date when the bankruptcy was filed (format YYYYMMDD) against the subject's parent organization [C] SOAP REST
Parent Organization Bankruptcy Indicator Indicates if it is the Parent (P) or Headquarter (H) of the subject business who has entered into bankruptcy. [C] SOAP REST
Parent Organization Bankruptcy Type Text Text that describes the type of bankruptcy recorded against the subject's parent organization. Examples include Voluntary, Involuntary, etc. [C] SOAP REST
Paydex Industry Norms Median Quartile Score A numerical score denoting how timely payments are statistically-speaking at the point at which 50% of the organizations included in this industry norm have an equal or higher payment index score while the other 50% of organizations have an equal or lo [C] SOAP REST
Paydex Score -Firm The numeric value of the D&B® PAYDEX® assigned to an organization by a D&B algorithm assessing the organization's ability to meet future obligations based on the twelve most recent months of trade experiences obtained from its suppliers. [C] SOAP REST
Paydex Score Industry Payment Behaviour Comment Text that describes likelihood than an organization with this value of the paydex score will pay their suppliers e.g. before terms beyond terms within terms. [C] SOAP REST
Paydex Score Industry Payment Behaviour Days Quantity The number of days used in explaining the Paydex Score as to terms of meeting payment obligation. Example: 18 days beyond terms. [C] SOAP REST
Payments with High Credit Experience Count The total number of payment experiences recorded again the subject. [C] SOAP REST
Payments with High Credit Maximum Amount The greatest monetary figure owed to the supplier by the subject over the period of time specified by the Summary Period. [C] SOAP REST
Payments With High Credit Past Due Total Amount The total dollar amount of all the past due experiences. [C] SOAP REST
Payments with High Credit Past Due Total Count The number of payment experiences for which there's indication of past due. [C] SOAP REST
Payments With High Credit Slow Experience Count The total number of payment experiences with slow payment manner indicated. Payment manner indicated "ANTIC-SLOW" or "DISC-SLOW" or "PPT-SLOW" or "SLOW". [C] SOAP REST
Public Filing Disclaimer Text Text that records static statement regarding the Public Filing information D&B is providing in a product. This statement is intended to specify or delimit the scope of rights and obligations that may be exercised and enforced by parties in a legally-recognized relationship. In contrast to other terms for legally operative language the term disclaimer usually implies situations that involve some level of uncertainty waiver or risk. [C] SOAP REST
Satisfactory Payment Experience Count The number of payment experiences considered satisfactory. Satisfactory indicated by "SATISFACTORY" in Payment notes or indication of "ANTICIPATES", "ANTICIPATES-DISCOUNT", "ANTICIPATES-PROMPT", "DISCOUNT", "DISCOUNT-PROMPT", "PROMPT" as Payment Manner. [C] SOAP REST
Secured Filings Indicator When TRUE it indicates that open secured filings such as secured charges/mortgages pledgings or equivalent exist in the D&B database. [C] SOAP REST
SIC Code The code represents an activity in which the organization engages in.  A business may have up to five activities in which it participates. [C] SOAP REST
Slow Trade Explanation Conditional comment generated when PAYDEX Score is used and PAYDEX Score id used and/or slow trade experiences are present. [C] SOAP REST
Slow Trade Payment Exists Indicator When TRUE it indicates the existence of payment experiences with slow payment manner. [C] SOAP REST
Special Event Date The date when the special event took place. [C] SOAP REST
Special Event Detail Text that records information specific to the special event filing [C] SOAP REST
Suits Indicator When TRUE it indicates that there is suit information irrespective of its status (e.g. Open Closed) recorded in the D&B database for this subject. When FALSE it indicates that there is no suit information irrespective of its status (e.g. Open Closed) [C] SOAP REST
Total Employee Quantity A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations. [C] SOAP REST
Total Equity Amount The total value of share capital/stock originally invested by shareholders/stockholders plus any reserves which have arisen such as retained profits which are ploughed back into the firm. Also known as Net Worth. [C] SOAP REST
Trade Data Unavailability Indicator Indicates that there are no trade experiences in the D&B files for this business. [C] SOAP REST
Twelve Month Current Paydex Score The numeric value of the D&B® PAYDEX® assigned to an organization by a D&B algorithm assessing the organization's ability to meet future obligations based on the twelve most recent months of trade experiences obtained from its suppliers. [C] SOAP REST
Twelve Months Paydex Payment Behavior Days Quantity A number specifying the number of days that a subject with this value of the Paydex Score would pays its suppliers. [C] SOAP REST
Twelve Months Paydex Payment Behavior Text Text that describes likelihood that an organization with this value of the paydex score will pay their suppliers e.g. before terms beyond terms within terms. [C] SOAP REST
Twelve Months Paydex Total Payment Experiences Used Count The number of payment experiences that contributed to this payment index score. As an example the score may have been derived from 18 payment experiences from various suppliers. [C] SOAP REST
Unfavorable Payment Experience Count The total number of payment experiences with negative comment indicated in payment notes. Negative comments are: "PLACED FOR COLLECTION" or "CREDIT REFUSED" or "SUIT FILED" or "UNSATISFACTORY" or "BAD DEBT" or "NON SUFFICIENT FUNDS" or ""REPOSSESSION". [C] SOAP REST

*The links in this column provide the technical characteristics for the data field of the respective business element in the XML or JSON response.

The preceding list is not presented in the order, nor manner, in which the information is packaged and delivered via the D&B Direct API.

While data for a particular company may not contain values for all of the business elements, there may be items that are considered by D&B to be essential to yield the maximum benefit of a data layer. If any of these essential elements do not contain a value for a particular company, an error code will be returned, and your organization will not incur a usage credit for the request.

The Product Availability Lookup feature may be utilized to determine if this D&B Direct product is available for a given D-U-N-S Number.

The availability of certain scores delivered by this product may be limited due to a lack of sufficient company or industry specific data to perform the calculations.

Additional Details

FICO stands for Fair, Isaac and Company, and is a calculation that provides risk evaluation data on small businesses to the financial services industry. D&B information flows into SBSS scores to provide the customer with a fast, accurate and economical credit decision on small business accounts.

This product is only available for organizations domiciled in the United States. If the trade up option was selected, and the headquarters is domiciled in another country, an error may be returned depending on the scope of the particular database being accessed by the product request.

Access to this information is provided on a metered basis; and will require data layer entitlement prior to use in the production environment. A built-in feature exists to prevent duplicate billing when multiple requests with the same D-U-N-S Number and product code are submitted on the same calendar day (which is based on Eastern Standard Time [GMT-5]).

An option exists to retain the results from all successful requests for this product in a Product Request Archive, which may be retrieved without incurring additional usage charges.

Technical Specification

For details on how to obtain this data layer, please refer to the Assessment.OrderProduct (SOAP) or Assessment.OrderProduct (REST) page.


Product History

Back to Top