Helping Merchant Acquirers Manage Commercial Credit Risk

SBFE Enhances Your Ability to Evaluate Small Business Credit Risk

SBFE Data-driven product from SBFE Certified Vendors (Dun & Bradstreet, Lexis Nexis Risk Solutions, Equifax, and Experian) will improve your ability to effectively price your offerings by enhancing your ability to evaluate risk.  As an SBFE Member:

You will be able to view the current borrowing activity and the debt position of a merchant.  Without the use of SBFE Data-driven product you could be missing the early warning indicators that a merchant might be in financial trouble.

You can use SBFE Data-driven product to verify the existence of a small business by viewing business name, address, and contact information on one of the largest repositories of commercial data in the United States.

Partial list of data immediately available to SBFE Members

By becoming an SBFE Member, merchant data processors will immediately have access to SBFE Data Driven Product via SBFE Certified Vendors. Highlights of fields currently included in SBFE Data include:

Business information: including name, DBA, classification code, Address, phone, and EIN information

Individual and business guarantor information

Account information: including account number, account open date, close date, charge off date & amount (if applicable) and more

A complete list of SBFE Data fields, descriptions, and more is available.  Please contact for information on how to obtain this list.

the industry source for small business information

Become A Member

Our Members choose to be part of a highly trusted reciprocal marketplace to ensure their small business data is protected and aid in the vitality of the small business ecosystem. SBFE Membership is open to any US small business lender or merchant acquirer who has the ability to report their commercial performance data to the SBFE Data Warehouse™.

How the SBFE Model Works

SBFE gathers and protects the largest aggregation of small business payment data in the US and leverages the power of that data to help the small business industry build a true and accurate picture of small business credit.


Small business lenders and merchant acquirers become members and contribute their commercial performance data to SBFE where it is protected from marketing use.


SBFE normalizes data received from members and governs both contribution quality and SBFE vendor compliance.

STEP 3: SBFE Certified Vendors

Dun & Bradstreet, Equifax, Experian and LexisNexis Risk Solutions are the SBFE-approved commercial credit reporting agencies who develop risk products using SBFE Data exclusively for members.

STEP 4: SBFE members

Members may purchase SBFE Data-driven products developed and offered by SBFE Certified Vendors for their credit decisioning and portfolio monitoring functions.

SBFE Membership Offers

SBFE Members rely on SBFE’s distinctive information security, risk and data governance controls. This confidence attracts lenders and merchant acquirers of all sizes and types from across the industry, making SBFE Data™ a rich and robust information source to enable sound credit risk management decisions.

Data Governance

Consistent monitoring and membership control of all contributed business data ensures high quality data

Highly Predictive Data

Deep and broad penetration into small business payment performance that tends to outperform other data sources for credit decisioning purposes


A single feed to SBFE greatly simplifies your operations while enabling innovation and competition through SBFE’s multi-Certified Vendor model

Industry Leadership

Advocacy and partnership opportunities with industry peers to grow your business and better help your small business customers

Become an SBFE Member
Provide some basic information about your company and the SBFE team will connect with you to discuss the SBFE model, membership benefits, and eligibility requirements.
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