For Lenders & Underwriters
See the small businesses
the big bureaus can't.
CredX gives you verified identity, thin-file coverage, and two-sided payment history on the small and medium businesses you underwrite — then keeps watch on the ones that matter, so you approve more good applicants and catch trouble early.
The Underwriting Gap
The businesses you most need to size up are the ones legacy data misses.
The national bureaus were built around large, established companies. For the small and newer businesses that make up most SMB lending, the file is often thin, stale, or missing — and that turns into declined good applicants and mispriced risk.
Thin & young files
A two-year-old business with a clean payment record can be nearly invisible to a legacy bureau. You're left underwriting on the owner's personal credit alone — or passing on a good loan.
Unverified identity
Is the applicant a real, active, correctly-formed entity in good standing with its state? Without a verification layer, that basic question is surprisingly hard to answer at pull time.
Stale snapshots
Infrequent refreshes mean you often decide on data that's months old. A lapse in state standing or a new UCC lien can land long before it shows up in your file.
What You Get
A fuller, fresher picture at the point of decision
Every CredX report is built SMB-first — and every data point is labeled by source, so you always know what you're relying on.
Verified business identity
Secretary of State registration and standing plus UCC filings, pulled from the source — confirm the entity is real, active, and in good standing before you lend.
Coverage where others are thin
Small and newer businesses with real tradeline history that never surfaces in the national files — so more of your applicants are scoreable.
Two-sided tradelines
How the business pays its suppliers and how its own customers pay it — payables and receivables together give you a truer read on cash-flow health.
A transparent 0–100 score
Clearly-defined components, not a black box. You can see exactly what drives the number and explain a decision when you need to.
Ongoing monitoring & alerts
Put a business on watch and Credit Watch flags material changes — a new lien, a standing lapse, a score move — as soon as our data refreshes, not at the next annual pull.
Access built around your workflow
Single reports, watchlists across your book, or a direct API integration — we set access up to fit how your team already works.
Portfolio Watch
Tell us which businesses to keep an eye on — we'll watch them for you
Underwriting isn't a one-time event. Hand us a list of the businesses that matter to you, and CredX keeps watch — surfacing the changes that could affect a decision, before they become a problem or pass you by.
Early warning on your current borrowers
Keep your active clients on watch and hear about it first when something shifts — a new UCC lien, a drop out of good standing, a falling score, fresh negative tradelines. The kind of early signal that turns a write-off into a conversation you had in time.
An opportunity radar for tomorrow's approvals
Track promising businesses that don't quite meet your standards today. When their profile strengthens — a lien clears, the score crosses your threshold, standing is restored — you're the lender who already knew, and who reaches out first.
You set the terms. Choose the businesses by list or lookup, and tell us which events matter to you — per business, if you like. We only send the alerts you asked for, so it stays signal, not noise.
In Practice
Look up. Decide. Keep watch.
Look up a business
Search by name, EIN, or state registration and confirm you have the right entity — with its verified identity and current standing front and center.
Pull the full report
Score and its components, two-sided tradelines, and public-record, SOS, and UCC data — each item labeled by source and trust status so you calibrate correctly.
Add it to your watchlist
Approve and price with confidence, then keep the business on watch — you're alerted the moment something material changes, whether it's a client or a prospect.
Data You Can Stand Behind
We tell you where every data point comes from
A lending decision is only as good as the data under it. CredX is built so you always know what's verified, what's self-reported, and how to weigh each — because calibrated data beats inflated data every time.
- Sourced and labeled. Identity and standing are verified against Secretary of State and UCC records; furnished and self-reported tradelines are marked as such, with a trust status on each — so nothing is dressed up as more than it is.
- FCRA-aligned by design. Dispute handling, accuracy, and data-furnishing workflows are built around the Fair Credit Reporting Act, with a fast path to correct anything inaccurate.
- Your inquiries stay yours. We don't resell your pull activity, your watchlists, or your portfolio data. Your underwriting footprint is not our product.
Who It's For
Built for everyone extending credit to small business
If you decide whether an SMB gets funded, financed, or put on terms, CredX was built for your desk.
See CredX against your own portfolio
Book a walkthrough and we'll show you real coverage and verified data on the kinds of businesses you underwrite — and how portfolio watch would work for your book. No integration required to start.