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What is the Small Business Financial Exchange?


The SBFE is a trade association striving to be the trusted advocate for the safe and secure growth of small businesses.

Lending Industry

They do this by gathering and protecting the largest aggregation of small business payment data in the US today and leveraging the power of that data to help the lending industry build a true and accurate picture of small business credit health.

Data From Members

Essentially, they collect data from members and then interpret it.

Membership in the SBFE

SBFE Members and Data

Total Portfolios

There are about 135 members in the SBFE , including 420 total portfolios, and conventional financial lenders contribute to 69 percent of these.

Business Lending

These huge numbers help to make the SBFE a small business lending champion.


  • Anyone who has the capacity to report information to the SBFE about their small business lending may become a member of the SBFE.
  • Both types of financial institutions, including banks, credit unions and alternative lenders, are members.
  • Doing business with exchange partners will benefit you, but if you do not do it correctly, it can also harm you.

  • When you do business with members of the SBFE, you remove the risk of not getting any business credit.
  • However, if you do not treat your business properly, it will not be favorable for the report representatives to get to your business.
  • Members agree to report positive and negative facts at the same time.

SBFE Members (Lenders and Credit Providers)

SBFE Certified Members

SBFE Controls

The SBFE controls the consistency of the data contribution and verifies vendor compliance.


There are four members who are accredited, including D&B, Equifax, Experian, and LexisNexis.

Using SBFE

These organizations develop risk products exclusively for members, using SBFE.

Certified Vendors

  • Credit vendors are agencies that have a partnership with the Small Business Finance Exchange.
  • Credit vendors distribute the SBFE data that they collect.
  • They do this by designing items for business credit review using the knowledge given by the Small Business Finance Exchange.
  • Credit vendors then report the details to members seeking a business credit report on an enterprise that is included.
  • There are other business credit institutions open to lenders, but when they are a member of the SBFE and use one of these business credit vendors, they get the benefit of the vendor’s own information.
  • Plus they get information from the data received from the Small Business Finance Exchange.

SBA Members and Data Products

  • Sbfe Data-driven Goods May Be Purchased By Members.
  • These Products Are Produced By Sbfe Accredited Vendors And Offered By Them.
  • These Commodities Are Then Used For Decision-making On Business Credit.
  • They Are Used To Screen Portfolios As Well. For More Information, Visit: SBFE.ORG/CERTIFIED-VENDORS

Why Should Merchant Acquirers Become Members?

What Kind of Data do They Have on a Business?

How the Small Business Finance Exchange Can Help Your Business

Which Actions Can a Business Take

  • You are accountable for your business credit as a small company. What data ends up on your business credit sheet, you power.
  • You will regularly pay your bills on time, do business with members of the SBFE, and invite businesses you do business with to join the SBFE.
  • If you are registered, you can enter the SBFE, but your own data can not be self-reported.
  • Through joining the SBFE, if you are lacking in that area, you can make better credit decisions for your business and add some credit.
  • A company may take business credit actions that include obtaining vendor credit, obtaining business credit cards, applying for Credit Line Hybrid, and monitoring your business credit information.

Credit Monitoring

  • There are multiple ways to monitor business credit. One choice is to ask one of the business credit reporting agencies, including D&B or Equifax, for a business credit report, however this is expensive.
  • Joining a credit monitoring program, like the one given by Credit Suite, is a more affordable option.
  • Get continuous access, including your credit score and what affects it, to the data on your study.
  • You can pay 90% less than it would cost you through the business CRA’s through visiting:

  • Use the data you obtain from credit monitoring to search for ways to construct your business credit and refute any errors.
  • Give a thorough summary of what is wrong to the department and inform them what the right data is. Send in copies of all available support products and retain the originals.


  • The Small Business Financial Exchange is a not-for-profit enterprise that gathers business data.
  • To get access to more business data, members of the SBFE exchange information.
  • To help its members make informed business credit and lending decisions, the SBFE offers risk items.
  • The three big business CRAs are certified members of the SBFE.
  • The SBFE will help you build business credit, but if there are derogatories on your business credit report, it can also hurt you.
  • Doing business with SBFE members assures your payments are being reported.
  • If you loan money, information from the SBFE can help keep you from making poor lending decisions.