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How SBFE Impacts Your Business Credit

Updated: Feb 4

People often complain that many of their payments to lenders and financial organizations aren't reflecting in their Dun & Bradstreet business credit report.  Their frustration doubles when they find out they can't submit those lenders and creditors as "trade references" in the Creditbuilder service they just purchased from D&B.  What they don't realize is that some of those transactions may actually be showing up, but in the Small Business Financial Exchange... and that could be a much bigger benefit for their business.



The Small Business Financial Exchange (SBFE) is a nonprofit collective trade association for small business lenders, creditors and financing organizations.  SBFE gathers business credit and account data from their members — such as credit cards, banks, and financial services — and they provide that data to business credit reporting agencies and risk management organizations, such as D&B, Experian, Equifax, and LexisNexis.  While SBFE does not sell business credit reports, they are responsible for how much of the data finds its way into your company's credit file.


Over the past nearly two decades, SBFE has become a trusted data exchange for small business lenders because they know the data flowed in from other like-minded users.  In other words, unlike commercial credit reports that are compiled (and easily manipulated) from a variety of auto-reported and manually-submitted trade and vendor transactions, SBFE data flows directly from the lenders themselves, is inaccessible by business owners, and the legitimacy of the data is indisputable.


How it works:  Members (small business creditors and lenders) report verified business information about applicant