Resources for Small Businesses

Commonly Asked Questions about the SBFE Model

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I have questions regarding my commercial credit report, where should I go?
SBFE is not a commercial credit bureau and does not create or sell business credit reports or provide scores. If you have questions or suspect that an item on your business credit report is inaccurate or looking for a copy of your commercial credit report, please contact the commercial bureaus listed below. It is important that you contact these specific teams listed below rather than the general lines at these companies as these are the teams that work with SBFE Members contributed data.
Commercial data contributed by SBFE Members is found in the following four commercial credit bureaus who are approved SBFE Certified Vendors. Please contact the specific teams listed below.
Phone (Enterprise Service Team): (866) 248-1450
LexisNexis Risk Solutions
(800) 382-6228
LexisNexis Risk Solutions Inc.
Attention: Small Business Advocacy Center
P.O. Box 105108
Atlanta, GA 30348-5108
(800) 727-8495
Equifax Commercial Solutions
P.O. Box 740249
Atlanta, GA 30374-0249
If you are trying to obtain a copy of your personal credit report, you may contact one of the following big three consumer credit reporting agencies directly: Equifax, Experian, or TransUnion.
How does my small business information get to SBFE?
If your lender is an SBFE Member, your small business information is already being contributed to SBFE to help your small business build a good credit history and get the credit it deserves.  At SBFE, your business information is protected and secured from marketing uses that may be perceived to be predatory. Certified Vendors receive your account information from the SBFE Data Warehouse™ and combine it with other data sources (examples: public record, Secretary of State filings, and trade-type account receivable data) on your company.  Certified Vendors compile this information to create a credit report and credit risk score on your business.
Can a small business become an SBFE Member?
SBFE membership is open to any US small business lender who has the ability to report their business account data to SBFE.  Small businesses are not permitted to self-report their account information directly to SBFE. To find out if your lender is an SBFE Member, please ask your lender. If your lender is not an SBFE Member, you may want to encourage them to become one so that your business can begin building a good credit history to help your business grow and get the credit it deserves.  You may direct your lender to us at for further membership conversations.

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 Vendors

Dun & Bradstreet, Equifax, Experian and LexisNexis Risk Solutions are the SBFE-approved commercial credit reporting agencies who develop risk products such as commercial credit reports and scores using SBFE Data compiled with other sources.

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.

Resources to Help Build My Business

The organizations below provide valuable resources for U.S. small businesses. Visit their websites to learn more.

Small Business Administration (SBA):

Your local Small Business Development Center:

Your local SCORE Business Mentor: