PROSPECTING

Capture more customers with business marketing and prospecting tools

COLLECTIONS

Improve delinquency returns with business collection management tools

ACQUISITIONS

Acquire the right customers with business acquisition products

MANAGEMENT

Grow, monitor and retain business credit accounts with portfolio management tools

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Learn more about Experian FusionIQ
B2B Lifecycle
SmartBusinessReports
International Business Data Solutions
Experian FusionIQ

Find Your Prospects

Target and market directly to the decision makers who are the right prospects for the goods or services you offer.

Our products and capabilities use the industry’s most sophisticated algorithms to measure the financial stability of millions of American businesses continuously from coast to coast.


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Experian B2B marketing and prospecting products target your best prospects

With Experian’s marketing and prospecting products, you can optimize your marketing dollars and drive more sales. These products allow you to effectively:

Maximize
sales from your existing customer base

Identify
and target prospects who meet your primary customer profile

Market
directly to the people empowered to buy your product or service

Segment
your market by any number of variables

Uncover
commercial prospects within your consumer portfolio

Next

U.S. Business Database

Gain access to 16 million active U.S. businesses and 19 million contact names with the largest and most accurate human-verified business database available. You can mine this information using any number of variables, including name, multiple addresses, phone number, line of business, year established, multiple contact names and titles, number of employees, sales volume, URL, select by geo/SIC/sales/credit and more.

  • Prospect more confidently — Tap the most comprehensive and accurate source of data on U.S. businesses.
  • Unique sources of business records — Data is aggregated from more than 6,000 sources.
  • Data verification — A U.S.–based call center verifies our data accuracy with more than 60,000 daily phone calls. Actual field visits are conducted for data quality validation.
  • Frequent updates — Half of the file is updated every three months, with nearly the entire file updated every year.
U.S. Business Database

Marketing Analytics

Data may give you information, but analytics enables you to make sense of what the data is telling you. Experian’s Marketing Analytics services tell you not only what businesses to pursue and who to contact, but also what to offer via customer profiles, account segmentation and analysis.

Marketing Analytics
  • Understand business customers — Build custom propensity-to-buy models using attributes such as geography, type of business and trade credit data.

  • Identify key prospects — Reach look-a-like customers in Experian’s U.S. Business Database.

  • Improve up-sell/cross-sell — Improve targeting and marketing strategies.

B2B Data Insights

B2B Data Insights

Gain insights to make informed decisions with Experian’s best-in-class B2B marketing database service. Our custom approach addresses interconnected data quality and integration problems and helps marketers acquire, develop, and keep the most profitable business customers.


  • Single view of the customer — Leverage the power of Experian’s Data Synthesis℠ by assigning a unique Business Identification Number (BIN) to each of your customer records.

  • Data enhancement — Business credit/risk attributes can be appended to help segment and refine your business-to-business prospect list.

  • Custom analytics — Propensity modeling, customer segmentation and risk-prediction models can be created to increase the effectiveness of your marketing campaigns.

  • Flexible delivery options — Batch, direct connection, Salesforce integration, hosted and Web services are available.

Business Email Services

Make the most of your email campaigns by leveraging Experian’s accurate, comprehensive, and verified email address database. The database contains over 27 million email addresses with multiple contacts per company and 100% of records having a matching postal address.

  • Keep customer files updated by appending current email addresses.
  • Increase campaign response rates with contact data that includes titles.
  • Acquire accounts by adding firmographics and credit filters.
  • Improve multichannel targeting by accessing business addresses, contacts and multiple emails.
Business Email Services

Acquire the Right Customers

Evaluate the financial fitness of new or existing customers so you can manage the amount and terms of the credit you extend better.

Our advanced data-mining and analytics applications rapidly sift through hundreds of millions of pieces of information to provide valuable insights into companies of all types and sizes, from mom-and-pop stores to multinational corporations.


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Experian acquisition products help you build a solid credit portfolio

With Experian’s acquisition products, you can build a solid credit portfolio that will stand the test of time. These products allow you effectively to:

Confirm
the legitimacy of your credit applicants

Determine
each customer’s credit history accurately

Uncover
weaknesses that could undermine an applicant’s creditworthiness

Accept or reject
credit applications based on the best available data

Optimize
the size and terms of each credit account to minimize risk

Next

BusinessIQ℠

BusinessIQ is Experian’s comprehensive online commercial-credit-management application that brings the industry’s best practices and top analytical intelligence right to your desktop. From providing risk information, payment histories and key public record data, BusinessIQ provides the solutions you need to establish quality customer accounts and processes across the credit life cycle.


  • Make accurate decisions with business credit reports and scores.

  • Understand customer trends with portfolio management.

  • Stay up-to-date on account changes with proactive alerts.

  • Enforce credit policies across your organization with automated decisions.

  • Accelerate payment with collection tools.

BusinessIQ

DecisionIQ℠

DecisionIQ allows you to create an automated credit scorecard based on the criteria most important to your particular business. Variables include customer aging information, payment histories, debt-to-asset ratios, etc. The result is a unique score you can use to rate each applicant against standards you establish.


  • Automate your credit policies to ensure consistent decisions are made across the organization.

  • Reduce the time spent on application review with an easy to interpret Decision Band.

  • Go paperless and accept online applications with attachments that will feed directly into your BusinessIQ workflow.

DecisionIQ

Dynamic Access™

Whether integrating with your system of record or just looking for specific data segments, Dynamic Access delivers real-time, XML data segments when you need them. Dynamic Access allows you to leverage Experian’s commercial and guarantor intelligence from the comfort of your own business management software system. Reduce out-of-pocket costs and save time by choosing as much or as little data as you desire, with no filters, directly from BizSource℠, Experian’s state-of-the-art commercial repository.

  • Consistent real-time updates — Have consistency between ERP and CRM systems and Experian’s database.

  • Frequent updates — Half of the file is updated every three months, with nearly the entire file updated every year.

  • Enhance visibility and improve analytics — Receive only the data you need in real time via an XML interface directly to your Enterprise Resource Planning (ERP) or Customer Relationship Management (CRM) system.

Dynamic Access

BusinessIQ Premier Profile℠

The most robust of all Experian business credit reports. This report provides a comprehensive view of a business’s financial obligation as well as fraud screening, credit limit recommendation, more background information on the business and more data elements than any other report.

  • Insight into what’s critical, combining credit risk, fraud checks and company background information into a single report.

  • Comprehensive details so you can quickly and precisely determine the creditworthiness of a business.

  • Data integrity with credible sources and no self-reported information.

BusinessIQ Premier Profile

Business Owner Background Report™

Unprecedented visibility into a business principal’s relationships with current and former business interests. Combining Experian’s robust consumer and commercial data assets with state-of-the-art analytics, the report provides a comprehensive evaluation of the fraud and credit risk associated with a business owner or principal.

Business Owner Background Report
  • Insights beyond traditional credit risk tools — Gain a 360-degree view of a business owner’s or principal’s risks and liabilities across all business interests.

  • Reduce risk and enhance collections — Identify applicants who have patterns of poor management performance.

  • Commercial fraud prevention — Have the ability to verify that the person applying for credit is affiliated with the business.

International Business Data Solutions

As the flow of commerce around the globe grows, many U.S. enterprises are increasing their interest in global markets as well. While it can be lucrative, there are many potential pitfalls that must be addressed to mitigate risk and improve profitability. Experian provides comprehensive insight into your international customers and vendors — both prospects and existing — that is accurate, up-to-date, easily accessible and highly actionable. This data helps you assess risk, reduce exposure to late payments and defaults, and be more competitive overall. Overcome the top three issues of conducting business internationally.

  • Availability — International data often is unavailable to credit professionals or it takes them too long to acquire.

  • Freshness — International data is often out-of-date, increasing the chance of making inaccurate risk assessments.

  • Consistency — Credit professionals can’t use the same analytical models across multiple geographies due to data differences.

GLobal Data Network

Intelliscore Plus℠

Intelliscore Plus is a predictive credit risk-management tool that accesses more than 800 variables, resulting in an unparalleled view of your prospects and customers. The product can be delivered as a standalone report, combined with BusinessIQ Premier Profile℠ or delivered as part of regular scoring of your entire portfolio.

  • Insightful credit scoring — The score and report provide key insight into a business’s payment trends, public record filings, collections and business background information.

  • Blended data options — You receive a blended score, with both business owner and business information, which is the most predictive for small businesses.

  • No self-reported data — All data behind Intelliscore Plus is third-party-reported; no self-reported data is allowed.

Intelliscore Plus

Financial Stability Risk Score℠

Avoid the BIG HITS from failed businesses. Experian’s Financial Stability Risk Score℠ provides critical insight on the potential of a business going bankrupt or defaulting on its obligations.


  • Avoid write-offs and payment defaults by using the easy-to-understand 1-100 percentile scale, where 60% of the risk is focused in the bottom 10% of scores.

  • Five risk classes help you quickly identify businesses with high risk of bankruptcy and payment default.

  • Understand the results by seeing up to four reasons for the lowered scores.

Financial Stability Riskscore

Maintain a Healthy Portfolio

Manage your credit risks effectively by closely monitoring the financial health of your business customers. Identify risks and opportunities within your portfolio and stay notified on any changes that may occur.


Learn More

Experian B2B portfolio management products help flag credit risks

With Experian’s suite of portfolio management products, you can identify failing customers before they become delinquent to protect your credit position proactively. Mitigate your downside by strategically:

Reducing
a customer’s credit line to minimize your exposure

Refusing
new orders under existing terms

Requiring
cash on delivery on future purchases

Calling
in loans for customers in imminent danger of default

Increasing
interest rates for customers who pose larger risks

Next

BusinessIQ℠

BusinessIQ is Experian’s comprehensive online commercial-credit-management application that brings the industry’s best practices and top analytical intelligence right to your desktop. From providing risk information, payment histories and key public record data, BusinessIQ provides the solutions you need to establish quality customer accounts and processes across the credit life cycle.


  • Make accurate decisions with business credit reports and scores.

  • Understand customer trends with portfolio management.

  • Stay up-to-date on account changes with proactive alerts.

  • Enforce credit policies across your organization with automated decisions.

  • Accelerate payment with collection tools.

BusinessIQ

Portfolio Scoring

Identify risks and opportunities within your portfolio of customers. Portfolio Scoring enables you to assess risk by viewing up-to-date information on your entire customer portfolio, including how accounts are paying other creditors. The information can help you make timely decisions on how to treat risky customers and reward good ones.


  • Save Time — Scoring allows you to review your entire portfolio in a fraction of the time it would normally take.

  • Receive Intelliscore Plus℠ for every customer in your portfolio plus a summary of derogatory behavior, including bankruptcies, tax liens, judgments, collections, days beyond terms (DBT), median credit, high credit, legal balance and years on file.

  • Batch scoring that fits your needs — monthly, bimonthly, quarterly or annually.

Portfolio Scoring

Account Monitoring Services℠

Account Monitoring Services is a comprehensive portfolio monitoring solution that allows you to take action quickly on changes occurring within your portfolio. Taking a proactive approach to portfolio management allows you to minimize risk and identify opportunities sooner. With a comprehensive trigger set and robust filter capabilities, you can be confident that only the most important alerts are brought to your attention.

  • Receive only relevant alerts by selecting from our comprehensive set of 47 different triggers and applying filters based on balances or other value thresholds.

  • Solve problems before they happen by monitoring for negative account performance such as new collection filings, late payment behavior or bankruptcy.

  • Create efficiencies and prioritize collection efforts by monitoring for positive credit activity such as payment of other trade obligations or new tradelines present.

Account Monitoring Services

DecisionIQ℠

DecisionIQ allows you to create an automated credit scorecard based on the criteria most important to your particular business. Variables include customer aging information, payment histories, debt-to-asset ratios, etc. The result is a unique score you can use to rate each applicant against standards you establish.



  • Automate your credit policies to ensure consistent decisions are made across the organization.

  • Reduce the time spent on application review with an easy to interpret Decision Band.

  • Go paperless and accept online applications with attachments that will feed directly into your BusinessIQ workflow.

DecisionIQ

Dynamic Access™

Whether integrating with your system of record or just looking for specific data segments, Dynamic Access delivers real-time, XML data segments when you need them. Dynamic Access allows you to leverage Experian’s commercial and guarantor intelligence from the comfort of your own business management software system. Reduce out-of-pocket costs and save time by choosing as much or as little data as you desire, with no filters, directly from BizSource℠, Experian’s state-of-the-art commercial repository.

  • Consistent real-time updates — Have consistency between ERP and CRM systems and Experian’s database.

  • Frequent updates — Half of the file is updated every three months, with nearly the entire file updated every year.

  • Enhance visibility and improve analytics — Receive only the data you need in real time via an XML interface directly to your Enterprise Resource Planning (ERP) or Customer Relationship Management (CRM) system.

Dynamic Access

Data Synthesis™

Avoid the potential financial pitfalls associated with address variations, which result in duplicate records or not knowing that multiple lines of credit are open with members of the same corporate family. Experian’s Data Synthesis continually cleanses, standardizes, organizes and consolidates commercial data, resulting in a complete and accurate view of customers across channels, divisions and time.

Data Synthesis
  • Get an accurate view — Data is cleansed, standardized, organized and consolidated.

  • Make the right match — Track customers with powerful referential matching technology.

  • Access superior BizSource℠ data — Rely on 30 years of business intelligence from Experian.

Collect When Needed

Improve your collections activities by using predictive analytics to identify precarious accounts before they become problems. Our collection management products give you the power you need to minimize losses on bad credit, backed by professional customer service that’s responsive, knowledgeable and available whenever you need it.

The Power of Predictive Analytics

Predictive analytics is a valid, scientific way to establish a particular company’s chances of becoming delinquent over the next year based on the careful analysis of multiple data sets. To be useful, it requires a vast source of specific business and general industry information. It also requires data to be scrubbed carefully to eliminate outdated, inaccurate and duplicate information. The cleaner the data, the more accurate the prediction.


Learn More

BusinessIQ℠

BusinessIQ is Experian’s comprehensive online commercial-credit-management application that brings the industry’s best practices and top analytical intelligence right to your desktop. From providing risk information, payment histories and key public record data, BusinessIQ provides the solutions you need to establish quality customer accounts and processes across the credit life cycle.



  • Make accurate decisions with business credit reports and scores.

  • Understand customer trends with portfolio management.

  • Stay up-to-date on account changes with proactive alerts.

  • Enforce credit policies across your organization with automated decisions.

  • Accelerate payment with collection tools.

BusinessIQ

Intelliscore Plus℠

Intelliscore Plus is a predictive credit risk-management tool that accesses more than 800 variables, resulting in an unparalleled view of your prospects and customers. The product can be delivered as a standalone report, combined with BusinessIQ Premier Profile℠ or delivered as part of regular scoring of your entire portfolio.

  • Insightful credit scoring — The score and report provide key insight into a business’s payment trends, public record filings, collections and business background information.

  • Blended data options — You receive a blended score, with both business owner and business information, which is the most predictive for small businesses.

  • No self-reported data — All data behind Intelliscore Plus is third-party-reported; no self-reported data is allowed.

Intelliscore Plus

Delinquency Notification Service℠

Proven to recover debt more efficiently while reducing commercial collections costs. In difficult economic times, collecting on business debt is a priority for debt issuers and other financial institutions. Delinquency Notification Service leverages the power of the Experian brand to motivate your slow paying commercial customers who are behind on their accounts to pay before you send them to collections. Delinquent customers receive a letter on Experian letterhead indicating their current obligations and instructions on how to pay you. This cost-effective letter service is proven to increase receipt of payments from delinquent accounts.

  • Collect on debts more quickly — Use a third party (Experian) to contact debtors to receive payment on your bills before your customers’ other creditors.

  • Enrich customer relationships by providing educational tools to customers who are in debt.

  • Discourage delinquent payments and reward timely payments — Debtors receive a 60-day trial offer for Experian’s Business Credit Advantage℠ service, which allows them to monitor their own business credit.

Delinquency Notification Service

Collections Recovery Tool℠

Track down hard-to-find commercial debtors to significantly improve your commercial collections. Collections Recovery Tool is a valuable commercial skip-tracing tool that increases the likelihood of locating debtors. The commercial collections tool mines Experian's vast network of business resources to find alternate addresses, telephone numbers and business owners for your past-due accounts. The tool also provides a 90-day payment summary across all trades for small-business customers, so you can prioritize your commercial collections.

  • Get insight into debtors’ payment behavior and determine if debtors are paying other creditors first.

  • Improve your collections by finding alternate contacts, addresses and phone numbers for debtors.

  • Access for any number of users within an organization for a flat monthly fee.

Collection Recovery Tool

Fraud, Analytics and Integration

Experian products can help you protect your business from fraud, increase your bottom line thru analytics and integrate Experian's commercial data to improve your business work flow.

The following Experian services can be implemented into your business at any stage of the B2B Lifecycle:

Fraud
Verify your customers’ individual and business identity

Analytics
Fine-tune your targeting strategies

Integration
Receive commercial data directly into your ERP or CRM

Additional Services

Fraud — BizID℠

Prevent fraud and comply with regulatory mandates with BizID — the most comprehensive and powerful commercial fraud and authentication product available. In today’s fast-paced marketplace, you need a tool that provides reliable information and reduces approval time in order to stay competitive. Verifying business information is more complex than verifying the identity of an individual. With the possibility of multiple trade names, locations and guarantors, the costs of manual verification can quickly add up and limit operational efficiencies.

  • Verifies business and/or business owner application information for accuracy and truthfulness.

  • Provides fraud risk scoring and decisioning to help prioritize highest-risk items for analyst review.

  • Delivers both high-level alerts and detailed information from multiple sources in a simple, cost-effective report.

BizID

Marketing Analytics

Data may give you information, but analytics enables you to make sense of what the data is telling you. Experian’s Marketing Analytics services tell you not only what businesses to pursue and who to contact, but also what to offer via customer profiles, account segmentation and analysis.

Marketing Analytics
  • Understand business customers — Build custom propensity-to-buy models using attributes such as geography, type of business and trade credit data.

  • Identify key prospects — Reach look-a-like customers in Experian’s U.S. Business Database.

  • Improve up-sell/cross-sell — Improve targeting and marketing strategies.

Integration — Dynamic Access™

Whether integrating with your system of record or just looking for specific data segments, Dynamic Access delivers real-time, XML data segments when you need them. Dynamic Access allows you to leverage Experian’s commercial and guarantor intelligence from the comfort of your own business management software system. Reduce out-of-pocket costs and save time by choosing as much or as little data as you desire, with no filters, directly from BizSource℠, Experian’s state-of-the-art commercial repository.

  • Consistent real-time updates — Have consistency between ERP and CRM systems and Experian’s database.

  • Frequent updates — Half of the file is updated every three months, with nearly the entire file updated every year.

  • Enhance visibility and improve analytics — Receive only the data you need in real time via an XML interface directly to your Enterprise Resource Planning (ERP) or Customer Relationship Management (CRM) system.

Dynamic Access

Gaining Efficiencies and Access

The editors of CFO Magazine have compiled an outstanding best practices guide for today's CFO. Use it to evaluate and tweak your current credit lifecycle for Prospecting, Acquisitions, Management and Collections. Read the Whitepaper

The State of Women Business Owner Credit

This study analyzed the state of Women Owned Businesses from a credit perspective, taking a sample of business credit data, blending it with personal credit data, and performing analysis to see what differences existed between male and female business owner credit profiles. View Infographic and Watch Video

6 strategies for getting paid on time

Most companies wait until an invoice is past due before taking action. In an unpredictable economy, when cash flow is tight, collections professionals need to be proactive, nimble and effective. Watch the Video

Data Study on U.S. Business Startups (2010 - 2014)

In this data study we talk about entrepreneurship and the concept of start-ups and how they perform over time. We selected entrepreneurs that had the courage to go into business for themselves on the heels of the Great Recession of 2008/2009 to see how their businesses performed over the last four years. View Infographic and Watch Video

Big Data.. The Storyteller and Problem Solver of Our Time

As Experian’s CEO, Craig Boundy recently blogged, at Experian, we have deep experience harnessing the power of data, in fact; we have been doing it since 1897. Using our insights to help merchants and consumers by providing an annual credit reference directory, we were using “Big Data” before it became a buzz word. View Infographic

Interactive Business Information Map

See How U.S. Businesses Are Faring — View a visual representation of business health broken down by U.S. states and MSA’s. Go to the Map

Experian’s Business Information Services is a leader in providing data and predictive insights to organizations, helping them mitigate risk and improve profitability. The company’s business database provides comprehensive, third-party-verified information on 99.9 percent of all U.S. companies, with the industry’s most extensive data on the broad spectrum of small and midsize businesses.

By leveraging state-of-the-art technology and superior data compilation techniques, Experian is able to provide market-leading tools, such as BusinessIQ℠, that assist clients in making real-time decisions, processing new applications, managing customer relationships and collecting on delinquent accounts.



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