commercial credit reports

You've felt it before. Even if you've managed to avoid it,
you know someone else who hasn't been so lucky.


What are we talking about? The anxiety experienced when you make a credit decision, only to find out too late that the report you had didn’t cover the last year of stomach-churning drops in the company’s credit rating — that sudden, looming realization that you might never get the money for that sale.

Ansonia's expertise is to make sure you never feel this again.

Your business needs accurate, flexible business credit reports. You need them FAST and up-to-date... and you want them to be highly affordable. We are the NEW credit reporting service that is bending over backward to give our clients exactly what they need.

See the difference.
Try our free credit report today.




Why Our Data is Better

Our Data
is Unique

We collect data from all types of businesses — from Mom & Pop all the way to Fortune 500. Our state-of-the-art platform enables us to accept data files that other business credit companies cannot.

Our unique database translates to more relevant information, which translates into you making better credit decisions and making more money. Many businesses find that Ansonia’s core business credit report is the only credit risk decision tool they need.

Our Data
is Fresh

What would happen if you gave a customer a large amount of credit, only to find out too late that the report you had didn’t cover the latest stomach-churning drops in the company’s credit history? You may have a sudden, looming realization that you might never get the money for that sale.

Ansonia to the rescue! Unlike many other credit reporting companies, we continuously update our database 24/7, ensuring the freshest data possible. And with a click of a button, you can get the latest judgements and public records. This is our expertise — to lessen your anxiety over future credit decisions.

We Do Not Buy
Our Trade Data

There are some business credit reporting companies that buy, repackage and resell other credit reporting companies' data. We collect our own up-to-date and reliable data and don't sell it to other companies. Nor do we buy data reports from other companies. Our database is unique and secure.


We Do NOT Own or Partner With A Collection Company

Some credit companies partner with collection agencies and may have conflicting business dealings. We are strictly in the business of providing credit data intelligence to businesses.

It's the only thing we do and we do it well. You can depend on us to ALWAYS give you accurate information that will benefit your business.



Up-to-Date and Accurate

We are very pleased with the quality and reliability of Ansonia’s credit information. The information is always up-to-date and accurate, and obtaining credit reports is a very simple and fast process. Furthermore, the level of personal support and service we receive from Ansonia is top-notch. We are extremely fortunate to consider Ansonia as a trusted and valued partner in the transportation industry — they definitely help make our job easier!”

—Eric Belk, Vice President
Match Factors

Members who provide data receive up to a 40% discount on their business credit reports.





No Finance Degree Needed

Have you noticed that reports from the other business credit report companies are extremely hard to read? You need to learn about a customer's credit worthiness fast. But you're stuck wasting time trying to figure out a report that is full of numbers, but doesn't tell you much.

It's difficult to tell a good customer from a bad one. There may be a note the customer was 90 days delinquent on a payment, but you are not told if that was years ago with just a single slow payment, or if the customer is delinquent all the time. And hey, if you can't find out what you want to know NOW, the report is worthless. You might as well flip a coin.

This hurts your business. You may take a chance on a customer who winds up burning your company. On the other hand, you might pass on somebody that would be a great customer — and you lose the sale.

Ansonia saw this problem and fixed it. Our reports are extremely easy to read. We go the extra mile to make sure ALL the numbers make sense. And we are sticklers for assuring you have the exact stats you need when you need them.


No Pre-Paid Contract Required

Annual contracts are devised to lock people in long term. Other business credit reporting companies encourage you to give everyone in your company access to their information — the more employees running reports, the better.

And when contract renewal time comes, they pull out a 10 pound stack of all the invoices you pulled to support why you can’t live without them. Oh, and buy the way, your price goes up.

Often they will offer a business a three-year contract with price escalations. So they lock you in, guarantee themselves a nice revenue increase each year, all while selling the exact same report.

Why should you agree to pay 3-5 percent more over a period of 3 years for the exact same report? If it’s the same report, why should you have to pay more from year to year? Are the reports giving you more value? We offer you a better solution.

With Ansonia, you only pay for what you use. No long term contracts. No escalating fees over time. And to top it off, members who provide data receive a discount of up to 40% on their business credit reports. You get the accurate, easy-to-access credit reports you need at a dramatic savings.

Additionally, members who provide data receive up to a 40% discount on their business credit reports.






Customizable Reports Lead to Better, Faster Credit Decisions



 

Watch the video below to see how your report would work.
commercial credit reports

You Can't Go Wrong with Ansonia

When Transwest Capital first started out we were using another credit data company to verify the credit-worthiness of our debtors. While we were not unhappy with the company, we did not know what we were missing until we signed up with Ansonia Credit Data. After switching to Ansonia, we started to realize that the information we were previously using was not as fresh as advertised. With Ansonia, we know we are receiving the most up-to-date and in-depth look at a debtor’s credit-worthiness. In a word, we had become complacent with the previous company, trusting that their data would help us protect our receivables. It did, to a point. Now, we feel as if we have a partner watching our backs 24/7. Coupled with the customer service the staff at Ansonia provides, you can’t go wrong with Ansonia Credit Data.”

—Brian Cummings, Operations Manager
Transwest Capital



We Can Integrate With Your Software

We welcome special programming requests. Have you ever tried to get a customized project with one of our competitors? One of our current clients signed a contract with our competitor to provide a customer-facing online credit application.

Our client worked with that company for over an entire year, and failed to receive a working product. We took this project on from scratch, and had the entire process ready to go in just two months.

Businesses run lean shops. Employees are generally expected to do more and more in a finite number of hours per day. Automation/integration is the key.

With our 21-st century, state-of-the-art technology, we easily integrate with any software. We can “push” data intelligence to our customers to help them streamline their processes. These kinds of tools mean you don’t have to pay someone to sit at a desk and look at credit app after credit app and run one report at a time.



ansoniaphonelines

Live People Answer Our Phones

This really shouldn’t merit a mention. After all, it’s common sense that a company would take calls from their clients so they could help them and provide great customer service. Right? Wrong.

Most calls to our competitors seem to be sucked into a pit where voicemails go to die, leaving you stranded and without help. Fortunately, that’s not how we operate.

It’s a point of pride for us to pick up the phone when you call and to give you as much help as you want. So if you don’t want to feel like you’re alone in the dark, give us a call now at 1-855-267-6642 to let us shine some light on your situation.


ansoniarule

Ansonia Clearly has the
Advanced, Customer-Oriented
Business Credit Reports You Need

By combining top-notch, highly reliable credit reports with caring customer service and BIG savings — Ansonia is rapidly becoming the first choice for businesses of all sizes.




See the difference.
Try our free credit
report today.

•  Verify a new customer
•  Check an existing customer
•  See the difference
ansoniareportfloat

Or Call Us Today at:
1-855-267-6642



Grab This Powerful Arsenal Of Business Credit Reporting Tools That Only Ansonia Can Give You:


Become one of the new savvy business owners who use Ansonia and profit from the following:

•  Ansonia Sells Only Business Data – we only concentrate on business credit reports.

•  Ansonia’s Business Data is Always Fresh, not Stale – We update 24/7.

•  Ansonia Does Not Resell Your Data – Your customer data is safe with us.

•  Ansonia Works With Everybody – From small businesses to Fortune 500 companies.

•  Ansonia Collects Unique Data – We collect data the big guys can’t even touch.

•  Ansonia’s Reports Are Easy To Read – You’ll know exactly how your customer pays.

•  Ansonia’s Reports Are Customized – You decide on what data is important to you.

•  No Prepaid Contract Required – You are not tied down, wasting money.

•  We Keep It Simple – Anybody can read our reports and understand them.

•  Live People Answer Our Phones – The others don’t, nor do they care to.

•  We Do Not Own Or Partner With A Collection Company – We provide unbiased data.

•  Customizable Software Integration – We integrate with any software you run.

•  Automation Is The Key – Request as few or as many reports as you want.


We're here to get you started.
Call us now for your no-cost, no-obligation discussion.


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


Business Credit Report Price Articles

 

5 Tips for Improved Accounts Receivable Analysis

Here are 5 tips to improve your process today.

1) Stay on Top of Things

Stay vigilant and keep on in front of your accounts.

Accounts receivable analysis is something that should be done on a constant basis taking into consideration that the tides can turn quickly with a debtor that might be over-extended or affected by seasonality or industry.

Protect the bottom line of your company bottom line with automated credit monitoring tools and set up alerts to notify you of significant changes in a debtor account and behavior.

By regularly monitoring significant events like bankruptcy, fraud, judgments, or slow payments; you can start solving problems proactively before things get out of control.

2) Screen your Business Accounts

Obtain up-to-date business credit reports on your debtors before extending credit or authorizing additional transactions.This will help minimize or prevent collection and legal issues before they even start. Screening potential clients will help identify high credit risk accounts before you can get burned. Yeah, easier said than done, right? Obtaining updated reports on all of your debtors could give you hundreds of extra reports to read every week, further bogging down the credit approval and review system.

The answer is to have the credit information of your debtors and trending updates provided by a push technology through a vetted accounts receivable management software.

3) Know your Limits

No one on the outside will understand your business as well as you do. Define your own limits for allowable account size and days to pay.While there are of course industry standards, these might not pertain to your business. Depending on your industry you may require shorter terms therefore increasing your cash-flow, or your customers may require extended terms for which you have made concessions.

Define special criteria to make the most of loyal customers and prevent bad credit risks from going too far. If using automated monitoring, make sure you can set custom filters to set custom filters to match your threshold.

4) Share the Responsibility

It is easier said than done, but delegate different analysis tasks to different employees.

Analyze your accounts for your important notification events, and have more than one person on the receiving end of the reports. Not only will this save you time in accounts receivable analysis, but it will provide an extra few sets of eyes to catch any potential problems. Additionally, this is a great way to spread responsibility for vacation and sick days, making sure your assets are always monitored.

Remember, sharing is caring.

5) Use a Customizable Report

Utilizing an accounts receivable management report can provide you with the analytics and overview you need for a quick and effective review of your risk saving both time and money in identifying potential issues.

This reporting should show not only your trending experiences, but also compare to the industry and creditors experiences.

When looking for ways to improve your accounts receivable analysis, remember these tips to keep your cash flowing. Automatically monitor credit events to identify potential problems before they can get exponentially bigger. Screen your debtors to identify potential problems with an aggregate system to identify poor credit risks before business begins. Set custom account limits that work for your business needs, not arbitrary guidelines based out of text book. Add an extra set of eyes to the reporting process by sending notifications to different department personnel. Lastly, use an accounts receivable management software to improve timely identification of debtor trends and flags.

 


You Can Find More Information at Ansoniacreditdata.Com/

Call Us Today at: 1-855-267-6642

"

Accounts Receivable Fraud Schemes You Need To Know

Accounts receivable fraud has long been on the radar of the Securities and Exchange Commission, and with non-financial corporate receivables at $2.3 trillion in Q3 of 2010, it is easy to see why: that is a lot of potential revenue, and the fact that AR assumes some uncertainty as to when (and whether) it will be paid allows unscrupulous employees room to manipulate the data.

Mark Beasley, in a report published in Accounting Horizons, found that receivables and inventory were the most misstated asset accounts. And with single instances of fraud averaging about $180,000, knowing how to recognize and prevent accounts receivable fraud can mean the difference between a healthy revenue and accounting system and a dangerously compromised one.

Here are several types of AR fraud to be aware of:

The Most Prevalent Accounts Receivable Fraud Schemes

Lapping Accounts Receivable (or Hiking)

Lapping of accounts receivable is one of the most common forms of AR fraud, and one of the more difficult to detect. Lapping describes an employee recording payments to incorrect accounts in order to conceal a theft. If Company A makes a payment, an employee with access to payment processing can steal the funds, then record the next incoming payment from the account of Company B to to the account of Company A. This can continue indefinitely, with each subsequent payment covering the missing funds in an earlier account.

Ironically, one of the signs that an employee is lapping accounts receivable is that they seem to be too dedicated to their work: coming in every day, possibly showing up early or working late, and refusing to take vacations. That is because the scheme never ends: the fraudster has to show up every day to continue the misdirection

The blog feature a full article on lapping of accounts receivable, and how to prevent it.

Sales Data Manipulation (or Skimming Fraud)

A skimming fraud occurs when the same employee handles both invoicing and payment processing. The employee presents an invoice to a customer for the full cost of service and records a lower invoice or payment, pocketing the difference. This causes a discrepancy in goods or services rendered and revenue received, but can be difficult to detect if these two data streams are not well reconciled.

Fraudulent Delinquency of Accounts

If an account is marked as delinquent, it may be included in the allowance for the company for doubtful accounts and removed from gross receivables. When this happens, payments on the account may no longer be accounted for to the best ability of the company. An employee with access to the accounts classification system can mark a current account as delinquent and begin pocketing the payments.

Diversion of Delinquent Payments

Similar to the above, an employee with access to payment processing can divert payments that come from delinquent accounts, knowing that these accounts may have been written off and may not be well-monitored.

Shell Collections Companies

When an account is turned over to a collection company, there is often no guarantee that a payment will be collected in full. Exploiting this uncertainty, an employee with a relationship to a disreputable collection company may receive kickbacks in exchange for turning over delinquent accounts, which the collection company can collect on and under-report to the company holding the account. Thus, the company loses out on money that was paid in order to settle the receivable debt, while the dishonest employee and the shell company both profit.

Employees receiving kickbacks from shell collections companies can also choose to assign current accounts to the company, ensuring a steady stream of diverted funds.

What Can You Do?

Supervision, separation of duties, data reconciliation, account monitoring, and audit controls are all important in the prevention of accounts receivable fraud. Among other strategies, your company should:

  • Ensure that no employee has access to the whole invoicing, collecting, and recording process for payments on accounts receivable,

  • Require that employees within payment-related departments rotate through specific tasks,

  • Implement mandatory vacation days, so that all employees must take all their vacation in a given year, disrupting any opportunities for long-term fraud,

  • Conduct random audits using an outside professional,

  • Reconcile bank deposit details against invoicing and A/R posting regularly,

  • Periodically review delinquent accounts and accounts sent to collections, or require that changes in account classification be approved by a supervisor who has no access to payment processing,

  • Encourage employee whistleblowing on cases of suspected internal accounts receivable fraud.
  •  

    "
    You Can Find More Information at Ansoniacreditdata.Com/

    Call Us Today at: 1-855-267-6642



     

    Business Credit Report Price

     

     

    Sales vs Credit: How to Get Along

    Every company organizes itself into departments which can handle critical operational aspects of the business. In general, they should all be pulling together to help meet goals of the the company. Sometimes however, the individual responsibilities of two departments seem completely at odds: take the case of the sales department and credit or accounts receivable management.Both departments are concerned with the business relationship between the company and its clients. The sales team is interested in establishing relationships, and accounts receivable sees to the profitable resolution of those relationships. But while a sales team is rooted in enthusiasm and a the more, the better approach to client/customer acquisition, accounts receivable management has to assess the risk of each new credit line, because a credit line that goes delinquent can be worse than having no customer at all.Credit and sales are both essential to the running of a business. So how do you reconcile them?

    Decide Your Risk Tolerance

    If you extend a line of credit to everyone, your company will bleed dry. If you never open a line of credit, you will never grow your stream of revenue.

    There is a saying in the computer security sector: the most secure computer is one that is kept in a locked closet, never connected to the internet and has no keyboard or monitor. Of course, the computer is pretty much useless for any practical purpose.That is an overly simplified way of illustrating that too much security hampers you just as much as too little can damage you.

    Understand the risk tolerance of your company and develop a credit strategy to match it.

    At the same time, studies have found that managers consistently undervalue their credit and accounts receivable management. Remember that without an empowered and effective accounts receivable, assets never turn into revenue and that is no way to run a business.

    Front-Load Credit Information in the Sales Process

    There are plenty of fish in the sea, and when it comes to credit, knowing which fish to angle for can be a big help to sales departments. Accounts receivable management often has its finger on the pulse of the business credit world, and can provide sales teams with initial creditworthiness assessments to help them target the most desirable customers.

    If the sales department handles any aspects of the credit application process which is likely the sales team and credit managers need to coordinate to make sure the onboarding process fully collects the right information, does not waste time collecting needless information, and is as streamlined and as painless as possible. Credit managers often do not understand the pressures of a sales environment, while salespeople do not always appreciate all the details of a credit application. Have representatives from the two groups meet together to design documents that serve both groups well.

    Keep Your Options Open

    Not every high-risk credit line should be written off, and sales departments should be aware of options to offer prospective clients whose business credit reports might not come back golden. Letters of credit and credit insurance are two options to consider when you want to establish a business relationship but do not feel great about the level of risk.

    When a company has been vetted by proactive credit manager, a sales team can go into their meetings with options ready and available. This can help them approach a prospective client with more assurance and enthusiasm, and can help close a deal where other companies might balk. If all goes well, it could lead to a long and profitable business relationship. If it goes south, your company still has a way to recoup the losses a delinquent account would have incurred.

    Incentivize Cooperation

    Even though your sales team is pushing the boundaries of your risk tolerance and your accounts receivable management is holding them in check, try to look at both departments as part of a larger revenue pipeline. If you can design your company culture to be aware of that interconnectedness, both teams can function better together.

    Consider driving the message home at both culture and compensation levels. Having the two teams share a floor or share performance bonuses can increase communication, and let the people on the ground call out any areas for improvement. Instead of seeing each other as an impediment to effective business, emphasize that each group should be a resource for the other.

    Balancing the Risk/Reward thought process and cooperation between sales and credit can be a challenge and with the right guidance, communication and implementing these suggestions it can take your business to the next level. Encourage a united front with focus on the end goal.

     


    You Can Find More Information at Ansoniacreditdata.Com/

    Call Us Today at: 1-855-267-6642

     

    A Sample of business credit reports
    for companies found in Ansonia's database

     

    Company Name:  HAYDAY FARMS INC

    Street Address: PO BOX 1226

    City: BLYTHE

    State/Province/Other: California

    Zip: 92226

    Country: United State, U.S.

    Phone: 323-888-2929

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!


    Would you like to know how HAYDAY FARMS INC pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For HAYDAY FARMS INC at: 1-855-267-6642

     

     

    Company Name:  DOT FOODS INC

    Street Address: PO BOX 192

    City: MOUNT STERLING

    State/Province/Other: Illinois

    Zip: 23670

    Country: United State, U.S.

    Phone: 717-597-1100

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!


    Would you like to know how DOT FOODS INC pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For DOT FOODS INC at: 1-855-267-6642

     

    Company Name:  JO SIMS LTD

    Street Address: SPALDING LINCS PUDDING LN

    City: PINCHBECK

    State/Province/Other: Great Britain, UK, England

    Zip: PE11 3TJ

    Country: Great Britain, UK, England

    Phone: 210-475-9981

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!


    Would you like to know how JO SIMS LTD pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For JO SIMS LTD at: 1-855-267-6642

     

    Company Name:  WILLIAM PERRY FARMS

    Street Address: 14301 N 87TH ST STE 315

    City: SCOTTSDALE

    State/Province/Other: Arizona

    Zip: 85260

    Country: United State, U.S.

    Phone: 303-779-4900

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!

     


    Would you like to know how WILLIAM PERRY FARMS pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For WILLIAM PERRY FARMS at: 1-855-267-6642



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    Customized business credit reports for companies with unique information that other business credit reporting companies do not have.

    Ansonia Credit Data and business-credit-reports.ansoniacreditdata.com

     

     

     

    How To Check A Companies Credit Rating

    Business Credit Score: What It Means to Your Business

     

    Every business has both a Business Credit Score and a Business Credit Report. A good (high) business credit score is key to having your company approved for financing and trade credit. Your Business Credit Score ranks the creditworthiness of your business, just the same as your personal score acts as a financial rating.

     

    How Are Business Credit Scores Determined?

     

    Business credit scores are determined by reporting agencies, such as Ansonia Credit Data, with several factors going into the calculation of these figures. Various traits about your company and its financial history determine how credit scores are calculated for your business. Please see below for some factors that may determine your business credit score.

     

    Outstanding Debts
    Payment History
    Credit Utilization Ratio
    Public Records, which may include bankruptcies, liens, and judgements
    Length of Credit History
    Company Size
    Industry Risk

     

    Some of the above factors are unique to Business Credit Scores while many are similar to the ones used for calculating your personal credit score.

     

    How Are Business Credit Scores Used?

     

    Before a lender or other creditor can approve your business for finance they need to determine how capable your business is of repaying its debts, and this is where your business credit score comes in. If your business has a high Credit Score it indicates to creditors that your business is trustworthy; that it is not a high risk for finance. Lenders will use the business credit report of your company to obtain detailed information about the financial history of your business; with your Business Credit Score serving as a quick-check evaluation.

     

    In addition, a high business credit score may give you access to more credit than you would be able to receive if applying for finance with only your personal credit score.

     

    It is Important to Check Your Business Credit Score

     

    All business owners should review the financial information of their company on a regular basis, and this includes their business credit score. These scores are fluid and can change with time. It is for this reason that creditors will assess your creditworthiness on a regular basis. If you should notice that your business credit score is low, there could well be an error in the credit reports which resulted in an inaccurate calculation. It might also be that your business does not warrant a higher score because it does not have sufficient credit history.

     

    However, if you believe there is an error in your Business Credit Score it is imperative that you contact the credit agency that generated the score in order to have this score checked, and corrected if necessary. If no error has occurred, it is still possible to increase your business credit score over a period of time by making payments on time and lowering the credit utilization ratio for your company .

     

    Regardless of whether you are just starting out in business or you have been in the game for many years, an essential aspect of staying competitive in business is to build a strong credit profile.

     

    Improving Your Business Credit Score

     

    It can be confusing trying to determine how and when business credit scores are used; however, it is actually very simple to keep your score high. Basically, it is the same as taking care of your personal credit.

     

    Make sure your business bills are paid either on time or before their due date;
    Maintain your credit utilization at around 25%. It is important that you do not max out your credit lines; and
    Open multiple credit accounts; such as trade lines, business credit cards, and loans.

     

    About Business Credit Reports

     

    You are probably aware that you can check your financial history by viewing your personal credit report. Well, the same information can be reviewed for your business, and that is because credit bureaus scour public records and other financial data in order to develop a credit report on your company the moment you start a business. So, when you receive trade credit (also known as a business loan or line of credit), information about your payment history is compiled and turned into a business credit score by a company such as Ansonia Credit Data. Ansonia Credit Data is a premier business credit reporting provider.

     

    One of the most important aspects of being a small business owner is to take the appropriate steps to build your business credit profile. Doing this will assist in creating strong business relationships and open up financial opportunities that will make running and growing your business so much easier.

     

     

     

     

    How To Check Credit Rating Of Company

    "

    Checking a Credit Report for a Company

     

    It is via a Business Credit Report that a person or company is able to evaluate the credit worthiness of potential suppliers, a competitor, or even its customers. A business will often run a Business Credit Report on itself to determine how its financial stability is being presented to the larger business community. We strongly advise that any business entering into a relationship with a new company should run a Business Credit Report, because this which will assist in determining the degree of risk involved in the proposed business relationship.

     

    Reading a Business Credit Report

     

    It is highly recommended that a company run a business credit report if it is considering evaluating the reliability of potential suppliers, granting credit to new customers, or even analyzing the credit standing of their own company . Typically, a business credit report will provide a snapshot of the credit history of a company, including how reliable it is in paying its bills and managing other financial obligations. Running a business credit report on a company can help you reduce risk by identifying potential warning signs of credit problems of your customers . It will also help you determine whether your own company is a positive credit prospect for its suppliers.

     

    A business credit report will ideally include a review of the following aspects of a business.

     

    Credit Risk Rating

     

    The majority of business credit reports include a rating system which has been designed to assist in gauging the potential risk of either late or delinquent payments. These ratings are determined through an analysis of different credit factors, like legal filings and past payments performance; plus, they are ideal for when you are required to make a quick credit decision. Any high risk rating should be taken very seriously.

     

    Payment History

     

    It is important that you analyze past payments to determine how efficient a company is in managing its accounts. Look for trends as well as timely payments. As an example: you may notice that a prospect previously made minimum credit card payments; however, they are now paying the balance in full each month. This could well indicate that the company has become a better credit risk, meaning that they have developed a stable revenue stream. In addition, you should check to see how the payment history of a specific business compares to other businesses in the same field. The information you gain here will confirm whether Are the payment patterns of the business in line with industry norms.

     

    Of course, this also applies to your own business credit report: when reviewing your own report, check for similar trends that your suppliers may notice.Company Background and Information

     

    A business credit report should include certain information, such as the name, address, and contact information of the company. It might also include information on its business type, such as the number of employees, industry by NAICS or SIC code, the status of incorporation, sales figures, and key officers. Conduct a careful review of this information to ensure that it is consistent with the records held by your company. If this information should not be consistent, be sure to advise the company concerned and request an explanation.

     

    A Word of Caution: Fictitious company names hide the true ownership of a business, so be alert for this kind of detail: it could well be an indication that the company concerned is attempting to conceal information.

     

    Legal Issues

     

    A business credit report can help you identify new clients who may turn out to be credit risks, or suppliers who may not be reliable, by disclosing legal issues regarding outstanding lawsuits, bankruptcy filings, court judgements and liens. It is true that many companies have at one time or another faced some type of legal proceeding or lawsuit, so it may not necessarily be important that they have a pending lawsuit. However, companies that have experienced bankruptcy proceedings or have liens placed against them should be assessed very seriously.

     

    Collection Proceedings

     

    Does the company in question have a known history of having accounts sent out for collection or of letting its bills lapse? Question continuous late payments, because they may be the result of disputes over goods and/or services, merchandise or other non-financial issues.

     

    The Age of a Company

     

    How long has the company in question been in business? Typically, a company that has been operating for many years will be more financially savvy and adept at managing their finances than a young company. A young company could well be a very good credit risk, but their creditworthiness should be researched further. One way of doing this is to check the personal credit reports of the leaders for the company, which should offer insight into how diligent they are about handling accounts.

     

    Uniform Commercial Code (UCC) Filings

     

    Checking a UCC filings of the company will offer an insight into the leases and liens it has in place. Reviewing this section of the business credit report can offer clues on how credit is used by a company. Let us say this specific company has a high number of trade credit relationships with other businesses, or it has a number of assets being held as collateral on existing loans: this could well mean that the business is financially overextended.

     

    Do your research and take all of these factors into account before making the decision to add your own name to the list of creditors of the company.

     

    "

     

     

    How To Check Your Company Credit

    "

    Why You Should Use a Business Credit Report Service

     

    It is irrelevant whether you are just starting out in business, or you own a small business, or perhaps you manage a large business that has been around for many years. In all of these circumstances a business credit report can help you grow your business. A business credit report is crucial when it comes to making financial decisions and ultimately running a financially successful enterprise. In fact, a business credit report is just as important as a personal credit report and, similar to a personal credit report, it can make or break your business.

     

    A loan is usually necessary for the growth and development of any business and, for those just starting out in business, borrowing money is vital for the business to function from one day to the next - that is, until the business begins to show a profit. Whether you are approved for a loan could well be determined by the information listed on your business credit report. You will be eligible to receive better loan terms and rates if your business credit is good, so being aware of this and staying on top of your business credit report can be key to the survival of your business .

     

    We have conducted a review of the best business credit report services to assist businesses in choosing a company that is capable of providing them with not only a business credit report but additional business credit services as well. In our opinion, Ansonia Credit Data is a top-quality business credit report company.

     

    What to Look for in a Business Credit Report

     

    Your Business Credit Score is determined the same way as your personal credit score. Your financial information, which includes information from lenders and suppliers, background information and legal filings, all help determine your business credit score. Your personal credit score contains information very similar to a Business Credit Score, however, this information is reported differently: a personal credit score is reported on a scale from 300 to 850; whereas a Business Credit Score is reported from 0 to 100.

     

    Generally, business credit report companies do much the same thing: they provide you with a business credit report which enables you to make informed financial decisions regarding your business. In addition, these companies also provide other business credit services, and the following criteria were taken into consideration when reviewing these business credit report companies -

     

    Business Credit Report Content

     

    The content contained within the business credit report is crucial when it comes to understanding what is affecting your credit score and your overall credit caliber. You should expect your business credit report to detail as much information as possible about the credit of your company. For example, the history and relevant information concerning your company should be included, together with the risk score. Also included should be risk factors, payment information, financial background, financial relationships, collection history and filings, and any inquiries that may have been made about your Business Credit Report.

     

    Credit Monitoring

     

    Similar to your personal credit score, your business credit score can alter very quickly, which explains why it is so important that you monitor your business credit. A good business credit reporting company will offer a variety of credit monitoring services to help you stay on top of what is showing on your Business Credit Report, in addition to determining if the information included is actually correct.

     

    A good business credit reporting company will offer credit monitoring features, like picking up any major changes to your credit or any fraudulent activity, in addition to information regarding enquiries from others about your business credit report.

     

    Identity Fraud Prevention

     

    Identity fraud is not only a problem that concerns individuals, it is also a problem for businesses. Crucial to protecting your credit score and preventing fraud is the protection of the identity of your business . A good business credit reporting company will offer identity fraud protection services, in addition to offering a business credit report. The services might include educational materials and identity protection that will ensure your business is protected from identity fraud.

     

    Business Solutions

     

    The best business credit report companies are capable of providing other business solutions to financially assist your business. Such as receivables portfolio management analysis.

     

    Help & Support

     

    It is very important that you receive help and support when you need it, particularly when it concerns your business credit report. For starters, in order to make correct financial decisions, you need to be able to read and understand exactly what your business credit report says about your business. You should have easy access to your A business credit report company, through email, telephone and an online contact form. In addition, you should have access to pertinent resources such as educational articles, and Frequently Asked Questions.

     

    A business credit report will assist you in making smart financial decisions, regardless of the size of your business. Simply understanding what your business credit report contains offers amazing peace of mind when applying for a business loan. Of course, additional business credit report services are extremely advantageous when they offer protection for the identity of your business and assist by monitoring your business credit.

     

     

    "

     

    You Can Find More Information at  business-credit-reports.ansoniacreditdata.com and at http://how-to-check-business-credit-report.ansoniacreditdata.com

    Call Us Today at: 1-855-267-6642 

    A little history on the Supermarket Chain Industry

     

    The Supermarket Chain Industry

     

    A supermarket, a large form of the traditional grocery store, is a self-service shop offering a wide variety of food and household products, organized into aisles. It is larger and has a wider selection than a traditional grocery store, but is smaller and more limited in the range of merchandise than a hypermarket or big-box market.

     

    The supermarket typically comprises meat, fresh produce, dairy, and baked goods aisles, along with shelf space reserved for canned and packaged goods as well as for various non-food items such as kitchenware, household cleaners, pharmacy products and pet supplies. Some supermarkets also sell a variety of other household products that are consumed regularly, such as condoms (where permitted), medicine, and clothes, and some stores sell a much wider range of non-food products: sporting equipment, board games, and seasonal items (e.g., Christmas wrapping paper in December).

     

    The traditional supermarket occupies a large amount of floor space, usually on a single level. It is usually situated near a residential area in order to be convenient to consumers. The basic appeal is the availability of a broad selection of goods under a single roof, at relatively low prices. Other advantages include ease of parking and frequently the convenience of shopping hours that extend into the evening or even 24 hours of day. Supermarkets usually allocate large budgets to advertising, typically through newspapers. They also present elaborate in-shop displays of products. The shops are usually part of corporate chains that own or control (sometimes by franchise) other supermarkets located nearby, even transnationally, thus increasing opportunities for economies of scale.

     

    Supermarkets typically are supplied by the distribution centres of their parent companies, usually in the largest city in the area. Supermarkets usually offer products at relatively low prices by using their buying power to buy goods from manufacturers at lower prices than smaller stores can. They also minimise financing costs by paying for goods at least 30 days after receipt and some extract credit terms of 90 days or more from vendors. Certain products (typically staple foods such as bread, milk and sugar) are very occasionally sold as loss leaders, that is, with negative profit margins so as to attract shoppers to their store. There is some debate as to the effectiveness of this tactic. To maintain a profit, supermarkets make up for the lower margins by a higher overall volume of sales, and with the sale of higher-margin items bought by the intended higher volume of shoppers. Customers usually shop by placing their selected merchandise into shopping carts (trolleys) or baskets (self-service) and pay for the merchandise at the check-out. At present, many supermarket chains are attempting to further reduce labor costs by shifting to self-service check-out machines, where a single employee can oversee a group of four or five machines at once, assisting multiple customers at a time.

     

    A larger full-service supermarket combined with a department store is sometimes known as a hypermarket. Other services offered at some supermarkets may include those of banks, cafes, childcare centres/creches, Insurance(and other financial services), Mobile Phone services, photo processing, video rentals, pharmacies and/or gas stations.

     

     

     

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