Becoming an SBFE Member
Membership Benefits
Gain valuable insights into small business payment performance through data delivered by SBFE’s partners, helping you make more accurate and informed credit decisions.
Simplify your reporting to all four major credit bureaus through a single SBFE data feed; minimize administrative tasks while expanding your reach.
Unlock access to SBFE’s annual meeting. Learn from industry experts on credit risk innovation and build meaningful connections with top professionals.
Your data is safeguarded by strong restrictions that restrict usage for SBFE-approved purposes only; marketing or targeting is not permitted.
SBFE Data. Manage Risk. Drive Growth.
Join a trusted, reciprocal data exchange that safeguards your small business data. Open to all U.S. small business lenders, SBFE membership helps increase your productivity and provides strong data protection through stringent information security, risk, and governance controls. By contributing to SBFE, you gain access to uniquely powerful risk management products, enhancing your decision-making capabilities.
How the SBFE Data Exchange Works
SBFE gathers and protects the largest aggregation of small business credit payment performance data in the U.S. and leverages the power of that data to help the small business lending industry build a true and accurate picture of the risk profiles of small businesses.
SBFE MEMBERS
Small business lenders become members and contribute their customers’ commercial credit payment performance data to SBFE.
SBFE MEMBERS
As SBFE members, lenders gain access to credit risk decisioning products and services powered by SBFE data, exclusively available through our partners.
SBFE
SBFE normalizes data received from members and governs both contribution quality and compliance.
SBFE PARTNERS
SBFE Partners (Dun & Bradstreet, Equifax, Experian, LexisNexis Risk Solutions, and bluCognition) use SBFE's data to deliver commercial credit reports, scores, and other credit-risk solutions to SBFE members.
SBFE MEMBERS
Small business lenders and merchant acquirers become members and contribute their customers' commercial credit performance data to SBFE.
SBFE
SBFE normalizes data received from members and governs both contribution quality and compliance.
Credit Bureau Partners
Dun & Bradstreet, Equifax, Experian, and LexisNexis Risk Solutions are SBFE's exclusive commercial credit bureau partners. Leveraging SBFE data alongside their resources, they provide SBFE members with credit risk solutions, including commercial credit reports and scores—empowering businesses to make confident, data-driven decisions.
SBFE MEMBERS
As SBFE members, lenders gain access to credit risk decisioning products and services powered by SBFE data, exclusively available through our commercial credit bureau partners.
Membership Requirements
Learn what's required to become an SBFE member
SBFE membership is limited to organizations that originate or process small‑business credit or own related credit assets. Providers of trade credit are not eligible for membership.
SBFE members are required to submit monthly small business credit payment data and pay annual dues tied to the number of accounts contributed. Access to SBFE‑powered products is limited to business units that submit their portfolio data.
Contribution Requirements
Format, frequency and minimum data requirments
SBFE recommends submitting data in SBFE’s preferred format to ensure optimal efficiency and data quality; however, SBFE may agree to accept other formats. All members must contribute data at least once per month.
SBFE requires key business and account information. This includes business name, primary address, and account details such as account identifiers, payment performance, credit limits, balances, past due amounts, and aging. Data must also include information on collateral, charge-offs, and payment ratings. These fields help maintain the accuracy and quality of SBFE's data, supporting better insights and decision-making for all members.
