Stronger data for more predictive commercial lending

SBFE Delivers Risk Management Solutions Through Strategic Relationships.

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Join SBFE.

Evaluate Small

Business Credit Risk

Improve your ability to effectively price your offerings by enhancing your ability to evaluate risk.

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who we are

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.


Membership Benefits

Make better decisions with SBFE Data.

Data Governance

Consistent monitoring and membership control of contributed business data ensures high-quality data and data security.


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

Highly Predictive Data

Deep and broad penetration into small business payment performance that tends to outperform other data sources for making credit decsions.

Industry Leadership

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

Proud to partner with these SBFE Members

SBFE by the numbers

Largest U.S. business card issuers contribute data to SBFE
Largest U.S. business card issuers contribute data to SBFE
Years of historical data, dating back to 2001
Accounts represented in SBFE data
Of the top 10 commercial banks contribute data to SBFE
Approximate members, including 465+ total portfolios, 66% of which are contributed by traditional financial lenders