The Small Business Financial Exchange (SBFE) is an industry trade association that brings together over 135 small business lenders, including major banks and credit card issuers, to provide a central repository for credit payment performance data. Established in 2001, SBFE aggregates this data and shares it with leading credit reporting bureaus, such as Dun & Bradstreet, Equifax, Experian, and LexisNexis Risk Solutions, to enhance risk management products. By enabling the lending industry to access accurate information on small business credit health, SBFE aims to support more predictive commercial lending.
With contributions from the largest U.S. business card issuers and a vast database representing 98 million accounts and 20 years of historical data, SBFE offers a comprehensive view of small business credit. Its membership includes approximately 135 lenders, contributing a total of 465 portfolios, with 66 of them coming from traditional financial lenders. Through its give-to-get business model, only members who contribute data can access the risk products provided by SBFE's commercial credit bureau partners. SBFE's mission is to strengthen the lending industry by providing stronger data for more accurate assessments of small business creditworthiness.
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