Credit & Risk Management

D&B Lending Intelligence

Powering Your Commercial Lending Decisions through Greater Insight and Analytics
Deeper insight on commercial lending decisions
Dun & Bradstreet, as a designated Credit Reference Agency provides UK financial institutions engaged in business lending with a series of nearly 400 metrics and analytics to make more robust / quicker lending decisions. This is D&B Lending Intelligence.
Deep insights from nearly 400 different analytical points designed to help make more robust lending decisions.
Enhanced risk management of your existing book potentially providing early indications of financial changes with customers.
Early alerts can enable lenders to prioritise collections or even offer alternative financial solutions.
Access to transactional data aims to reduce the incidence of manual referrals.
Additional insights can help to adjust resultant questions or to augment intelligence on thin file applicants.
Granular insights could help identify a potentially ‘safer’ subset of what may have hitherto been marginal declines.

How It Works

Dun & Bradstreet, as a designated Credit Reference Agency acts as a portal for shared banking CCDS* data enabling UK financial institutions engaged in business lending to make more robust / quicker lending decisions. D&B Lending Intelligence augments the base shared data and a series of nearly 400 other metrics and analytics on an organisation enabling a lender to more efficiently manage risk and drive faster, better business results.

* Commercial Credit Data Sharing (CCDS) is a UK government initiative mandated under the Small Business Enterprise & Employment Act 2015, with the aim of actively stimulating competition and new entrants in lending markets particularly for enterprises with annual revenues below £25million GBP. CCDS requires banking institutions to make available detailed business current account data and up-to-date information on the performance of business loans and corporate credit cards for all their commercial customers who meet the above criteria.