Small Business Credit Share℠ Score for construction
Protect your margins with Experian’s Construction Score – the future of risk management
Smarter risk management for the construction industry starts here
The U.S. construction industry faces rising delinquency rates, volatile material costs, and labor shortages. Traditional risk models fail to capture these complexities, leaving creditors and insurers exposed to cascading financial risks. Experian’s Small Business Credit Share score for construction is the first industry-specific risk score designed to predict severe late payments and insolvency with unmatched precision.
Unmatched benefits for credit risk professionals within the B2B credit space or insurance industry:
- 20% lift in predictive accuracy over traditional credit models.
- Early warning indicators for severe late payments (61+ days).
- 360° risk view of both business and guarantor.
- Seamless integration into existing credit approval workflows.
- Improved portfolio health and reduced write-offs.
Experian Small Business Credit Share℠ empowers smarter credit decisions through shared data
Navigating small-business credit isn’t easy. Every account carries risk, and every decision matters. Experian's Small Business Credit Share℠ is a data consortium where lenders, trade creditors and insurers collaborate to share data and gain deeper insight on the financial health of small businesses.
Why join the consortium?
Gain exclusive access to expanded commercial credit and risk data from lines of credit, loans, leases and credit cards to insights from non-financial trade contributors.
Our diverse data consortium provides a complete view of small and midsize businesses, including enhanced trade, collections, and public records, including guarantor data. Authenticate, monitor, and score your small business clients from Experian’s trusted platform.
Powered by BizSource℠ and built on the same technology as File One™, Experian’s world-class consumer credit database, this solution delivers rapid integration, advanced search algorithms and highly predictive risk models — backed by over 40 years of small business risk expertise.