The Small Business Financial Exchange (SBFE) is an industry trade association comprised of over 135 U.S. small business lenders, including many of the largest banks and credit card issuers. Established in 2001, SBFE provides a central repository for aggregating credit payment performance data and providing it to major credit reporting bureaus for inclusion in risk management products. SBFE operates a "give to get “business model where only trade association members that contribute data can access the risk products from SBFE's commercial credit bureau partners, including Dun & Bradstreet, Equifax, Experian, and LexisNexis Risk Solutions. SBFE's mission is to enable the lending industry to build an accurate picture of small business credit health.
The power of SBFE lies in the numbers. The numbers that comprise one of the richest small business data sets in the United States. The number of members that provide their data to SBFE. The number of commercial credit reporting agencies that create unique commercial risk products solely for SBFE members. The number of small business lenders that comprise SBFE's Board of Directors. It's these numbers that provide security, accountability, advocacy, and the overall strength of SBFE as a trade association and advocate for small business lending.