Tweet Have you seen them?  They look like a square graphical maze that you see at restaurants, on print marketing materials, at retail stores, and I’ve even heard they’re being used for headstones!  So what are they? Well, they’re really barcodes that contain information you want to share.  Whether you choose to direct people to [...]

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Tweet Striking a healthy balance between risk management and customer service can be a challenging proposition, especially when dealing with small business accounts. This was a common theme voiced at today’s TRMA Summer Conference Small Business Roundtable here in rainy San Francisco. Small business accounts represent significantly higher exposure than consumer accounts, so it’s understandable [...]

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Tweet So, sometimes it takes a little while for the popular press to catch up.  I say that because on June 14th, an article ran on msnbc.com talking about, of all things a “Tale of Two Economies”.  Well, if they had seen our blog on May 18, they would have seen that we could have told [...]

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Tweet In my very first post to this blog, I advanced the notion of “the credit risk trifecta” and how there are three general factors that contribute to a business credit score.  Well, I thought I’d follow that up with a sample of real data from Experian’s BizSource database.* The following tables represent the mean [...]

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Tweet In my first blog posting I mentioned credit reports were the credit story of a business.  In this posting I’d like to provide you with some insights on the raw materials that are brought together to become the chapters within the credit story. You may think it’s simple to compile information to create the [...]

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Tweet As a parent of two youngsters, it has dawned on me that managing the credit lifecycle is very similar to being a parent. In the beginning, whether it’s children or prospects, you’re doing everything you possibly can to research, learn, take care of and keep them out of harm’s way. As children age, similar [...]

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Tweet There are many varying answers to this question, including one that often gets overlooked…. We all know that a prime factor for business success relies on being able to generate customers, and generating customers often means having the business capital and financial means required to market effectively to those customers. So what’s an important [...]

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Tweet My grandmother was the great chef in my family. When she cooked, you always went back for more. Several times, she tried teaching me how to make one of her specialty dishes, Chicken Adobo. Mind you, I’m a ‘straight from the recipe book’ cook and my grandmother measured everything by taste.  Needless to say, [...]

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Tweet Small businesses are big business, and unfortunately, they can represent big risk too. According to research conducted by Greenwich Associates, the percentage of small businesses applying for a loan increased from 5% in the third quarter of 2010 to 15% in the fourth quarter of 2010 and skyrocketed to 29% in the first quarter [...]

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Tweet For most people, a credit score on a business—the Experian Intelliscore—is a bit of a mystery. In reality, the score can be thought of as solid credit analysis driven by a statistically disciplined process. For example, most people would agree that a tax lien would be a serious issue for a small business, but [...]

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