Trade references
When are they paying you compared to others?
Discover how trade references can enhance your credit decisions
Gain detailed and reliable insights into the payment behaviour and creditworthiness of your customers, suppliers, and prospects.
Our 30+ years of experience and unique trade data, including expertise with unincorporated entities, provide an accurate view of payment behaviour within your portfolio, so you can make informed decisions that mitigate risk and foster successful partnerships.
Unlock the power of trade references today.
How trade references can benefit your business
Detailed payment histories
Our 30/60/90 payment ageing view provides a comprehensive overview of payment behaviours, helping you to forecast potential payment issues before they become defaults.
Up-to-date payment data
With the latest payment information at hand, you can ensure your credit risk decisions are based on current insights.
Predictive risk indicators
Our Late Payment Risk Score forecasts the likelihood of being paid in a severely delinquent fashion (90+ days past terms within the next year).
Unbiased data
All our trade contributors remain anonymous, ensuring you receive an unbiased and accurate view of payment behaviours.
Knowledge beyond traditional credit checks
Can you predict financial distress before defaults?
Many companies only get alerted to defaults after a business is already in distress. Our trade references, combined with predictive analytics, allow us to identify late payment trends early. In our experience, trade payment data acts as a leading indicator to a company’s success or failure. This means we can alert you to potential risks before defaults occur, helping you avoid doing business with companies that are starting to pay late.
Are you getting the full picture from trade references?
When conducting due diligence, the breadth and depth of trade payment data is key to fully understanding a company’s payment behaviours and creditworthiness. Our reports offer a comprehensive view by including trade data from multiple sources and across a broad range of industries. This depth of data ensures you have the full picture before making key business decisions.
Insights
Proactive business monitoring
Constantly evolving business environments require continuous vigilance. Our monitoring solution provides an up-to-date view of the commercial entities you engage with, alerting you to any critical shifts.
Commercial Insights Report: Trade behaviour is central to driving business performance
Read our analysis on the importance of understanding trade behaviour and how it drives business performance.
Latest Commercial Risk Barometer report
Business failure risk stabilised over the first quarter of 2025. Yet, there is no strong indication that failure risk will fall dramatically this year. Stay ahead with our latest analysis.