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Capital Desk’s Business Credit Intelligence services give lenders, secured vendors, suppliers, and other commercial creditors access to the information and reporting tools they need to make better credit decisions, identify potential risks, and protect their businesses before and after extending credit.
Before you lend money or extend payment terms, understand the credit profile of the business on the other side of the transaction. Business Credit Reports provide commercial credit information that helps lenders and vendors evaluate creditworthiness before taking on additional exposure. Use business credit data to support underwriting, establish credit limits, evaluate new customers, review existing accounts, and make more informed decisions about who receives your capital, products, or services on credit.
Understand the business—and the people behind it—before entering into a commercial relationship. Business Background Checks help lenders, vendors, suppliers, and other companies uncover information that may identify potential risks before doing business. Get greater visibility into the companies and counterparties you’re considering so you can make more informed decisions before committing capital, extending terms, signing contracts, or establishing an important business relationship.
When a business doesn’t pay as agreed, make sure its commercial credit history reflects it. Our Commercial Credit Reporting service helps lenders, secured vendors, and other commercial creditors report qualifying late and defaulted payment experiences to business credit bureaus. Add credit reporting to your process while helping create accountability for businesses that fail to pay.
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.
Business Credit Intelligence (BCI) combines information and reporting tools that help companies evaluate and manage commercial credit risk. Capital Desk offers Commercial Credit Reporting, Business Background Checks, and Business Credit Reports for lenders, vendors, suppliers, and other commercial creditors.
A Business Background Check helps answer “Who am I doing business with?” by providing broader information about a company and the people behind it. A Business Credit Report helps answer “Should I extend credit to this business?” by focusing on information relevant to its commercial creditworthiness and payment history.
Our services are designed for commercial lenders, secured vendors, manufacturers, distributors, wholesalers, suppliers, and other businesses that extend credit, provide payment terms, or need to evaluate commercial counterparties.
Yes. Vendors that offer Net 30, Net 60, or other payment terms are effectively taking credit risk on their customers. Business Credit Reports can help evaluate that risk before establishing terms, setting credit limits, or increasing an existing customer’s exposure.
Yes, potentially. Qualifying commercial payment experiences may be eligible for reporting depending on the nature of the obligation, your relationship with the business, and whether or not your agreement with them allows for it. Capital Desk can help determine whether an account qualifies and facilitate the commercial credit reporting process.
Business Background Checks can be useful before lending money, extending significant payment terms, entering into contracts, establishing vendor or supplier relationships, or otherwise taking meaningful financial or operational exposure to another business.