Use case · Commercial lending
Lend to the business after you’ve met its history.
Financial statements show a borrower at its best. We investigate the business and the principals behind it: prior bankruptcies, liens, judgments and the companies that came before this one.
What goes wrong without it
What a credit file can miss.
Creditors already in line
UCC filings and tax liens that give someone else a prior claim on the collateral you are counting on.
A record of walking away
Prior business bankruptcies and judgments behind the same principals, under other company names.
Compliance exposure
Sanctions links or regulatory actions that a lender cannot carry on its books.
What we check
The searches that matter most before you lend.
Every lending case runs the full package on the borrower and each principal. These are the searches that most often change a credit decision on a business.
See all 28 searches →Federal tax liens · State tax liens · UCC liens
Federal and state tax liens and secured creditors with a claim on the business’s assets.
Federal bankruptcy
Prior business bankruptcies by the borrower or companies its principals ran.
County civil · Federal district civil
Judgments, collection suits and contract disputes involving the business or its owners.
Business history (SOS, D&B)
Entity standing, prior companies and the officer roles behind the borrower.
OFAC and global sanctions
Sanctions exposure for the business and every principal, before funds move.
Business indicators
Signals about the business’s footprint and operations that the application doesn’t show.
What a finding looks like
Graded, sourced and matched to the right person.
Each finding tells you what happened, how serious it is and how we know it’s the same person, with the record attached for your file.
Sample finding · fictional subject
State tax lien — unreleased
MediumSubject: Cordova Building Supply, Inc., the borrowing entity. A state tax lien of about $186,000 was filed in 2023 and remains unreleased. The application listed no outstanding tax obligations.
- Source
- Maricopa County Recorder · 2023-0XXXXXX
- Identity match
- Entity name, EIN, registered address
Recorded lien attached
Where it fits
From application to the life of the loan.
At application
Open the case
Add the borrower and its principals in the client portal, or several applications at once.
Before committee
Read the report
Findings arrive in about 5 business days, ready for the credit memo.
Over the loan
Keep watching
Continuous monitoring re-screens the borrower and its principals daily and alerts you when something new appears.
Questions
Commercial lending diligence, answered.
Is this a consumer credit check?
No. We investigate businesses and the people who own and run them, from public records. We don’t pull credit reports, and our reports are not for credit decisions about individuals.
Can we run every application through it?
Yes. Cases can be opened one at a time or several at once, and each one tracks its own status in the portal.
Do you cover borrowers with foreign owners?
Yes. We cover 100+ countries through in-country partners. International work is quoted per jurisdiction.