Know who you’re funding

Who are you giving money to?

Understand the business on the other side of the deal first—before you approve credit, extend terms, or cut a check. One 0–100 FP Risk Score with evidence, confidence, and a short context line—not a bureau scale you have to translate.

Start with the business Legal name and address—that’s enough to run a live FP report after checkout.
Illustrative samples & buyer guide
Yellow sample report Rite Aid sample report Loan terms Odds table FP report pricing Who it’s for (charts) FP vs vendors (Q&A)
Live FP reports are paid. Browse the sample reports for free; to score a real business, complete checkout first.

FP Report Pricing

One live FP Risk Score report per checkout. Loyalty pricing rewards long-standing FixPayment creditor clients—the longer you’ve been with us, the less you pay per report.

Your checkout rate $4.99 New customer — sign in as a creditor client to unlock loyalty rates.
Your rate Standard
New customer
$4.99 / report

First-time buyers & public checkout

Preferred
4+ year client
$2.99 / report

Established creditor relationship

Best rate
5+ year partner
$0.99 / report

Long-standing FixPayment creditor clients

Public checkout uses the new customer rate ($4.99). Sign in to the creditor portal if you already work with FixPayment—5+ year clients pay as little as $0.99 per report.

Why FixPayment Risk Score Is Better

Typical bureau-style products
Experian Intelliscore D&B PAYDEX Equifax Business Risk LexisNexis Small Business
Straight talk Still running your underwriting on Experian Intelliscore, D&B PAYDEX, Equifax Business Risk, and LexisNexis Small Business?
Why FixPayment is the stronger choice
FixPayment Risk Score ~90% cheaper than legacy score stacks One normalized 0–100 scale Evidence, confidence & risk factors Built for cross-border review Multi-source model: public, private, and proprietary data

FixPayment Risk Score is built on a blended data foundation, not a single bureau file. Our models are informed by public web and record signals, private data sources, and proprietary performance data from our creditor partners. This gives us deeper visibility into distress patterns and improves our estimate of a company’s probability of default or bankruptcy.

  1. Better signal quality: the model blends public sources, private sources, and proprietary creditor-workflow data instead of relying only on legacy bureau ranges.
  2. Global by design: FP Risk Score is built for cross-border business review, unlike many bureau scores that are strongest only within their local or domestic file coverage.
  3. 90% cheaper: FP Risk Score is positioned to be dramatically more cost-efficient than traditional competitor score and report workflows.
  4. Better usability: one normalized 0–100 score instead of translating separate bureau scales—see the vendor-documented comparison below.
  5. Better decisions: the score includes evidence, confidence indicators, and bankruptcy-probability context so teams can justify approvals or declines immediately.

Bureau score scales at a glance

Each bureau publishes its own numeric range—and they are not interchangeable. For example, D&B documents PAYDEX on 0–100 (80 = prompt payment), Experian documents Intelliscore Plus on 1–100 (76–100 = low risk band) and V3 on 300–850, and Equifax’s Payment Index runs 0–99 where lower is better. FP Risk Score uses one 0–100 scale for every counterparty. The table includes only ranges we can cite to official vendor documentation; the Low → High column shows each product’s documented floor and ceiling.

Vendor Product Scale Low → High How to read it What it measures Source
FixPayment FP Risk Score 0–100
0 100 Documented range
Higher = lower risk Composite underwriting score (FixPayment product) FixPayment Risk Intelligence product definition
D&B PAYDEX 0–100
0 100 Documented range
Higher = better payment performance (0 = most severe delinquency) Dollar-weighted trade payment performance (past 12–24 months) D&B Direct 2.0 Predictive Analytics (PAYDEX) documentation
Experian Intelliscore Plus 1–100
1 100 Documented range
Higher = lower risk (1 = high risk, 100 = low risk) Predicted seriously derogatory payment behavior Experian Business Credit Ranking Score glossary (Intelliscore Plus)
Experian Intelliscore Plus V3 300–850
300 850 Documented range
Higher = lower risk Small-business credit risk (V3 model; consumer-aligned scale) Experian Intelliscore Plus V3 product sheet (experian.com)
Equifax Commercial Insight Delinquency Score 397–695
397 695 Documented range
Higher = lower risk (0 = bankruptcy on file) Severe delinquency on financial trades within 12 months Equifax Commercial Insight Delinquency Score white paper (assets.equifax.com)
Equifax Payment Index 0–99
0 99 Documented range
Lower = better payment performance (0 = paid within terms) Distribution of amounts owed across aging buckets (≈90 days) Equifax Business Credit Report user guide (assets.equifax.com)
LexisNexis Small Business Credit Score 501–900
501 900 Documented range
Higher = lower risk (501 = highest credit risk, 900 = lowest) Charge-off, 91+ days past due, or bankruptcy within 18 months LexisNexis Small Business Credit Score Report help (riskmanagement.lexisnexis.com)

Accuracy policy: We omit bureau products when we cannot confirm a published range from the vendor (for example, FICO SBSS and some Equifax legacy score names cited on third-party sites). Threshold examples above come from the same vendor materials: D&B PAYDEX 80 = prompt; Experian Intelliscore 76–100 = low risk band. Always confirm the exact score name and version on the report you purchase—Equifax and Experian ship multiple models with different scales.

One 0–100 score, built for your workflow (product fit, segment, region, structural vs momentum)—not a generic bureau number you translate later.

Who FP Risk Score Is For

FP Risk Score uses the same 0–100 scale for every counterparty—small shop, mid-market vendor, or public enterprise. What changes is how much public evidence we can attach to the report, not whether you can run one. These charts show typical coverage by business size, region, and buyer workflow.

Report funnel

Every segment enters the same intake. Enrichment depth—and report confidence—increase as public footprint grows.

Any B2B counterparty Name + address
Record enrichment Web, regulatory & legal data
Risk synthesis Financial, legal & fraud signals
Evidence readout Score, confidence & actions
One FP Risk Score (0–100) Same scale for small, mid-market & enterprise

Business size segments

Relative signal strength for a typical report—not eligibility. Every size can be scored; examples below show who usually fits each band.

Small
58%

Often limited public footprint; we still score from available public and proprietary signals. Examples: Riverside Chiropractic PLLC, a solo physician practice, Main Street Dental, Joe’s HVAC LLC, a neighborhood restaurant, or a local landscaping company.

Mid-market
82%

Sweet spot: enough filings, licenses, and trade context for strong decisions. Examples: ABC Logistics LLC (regional trucking fleet), a 10-location dental group, Merchants Distributors–style regional food wholesaler, or a commercial builder doing $20M–$100M annually.

Enterprise
96%

Richest court, bankruptcy, and market signals. Examples: Rite Aid Corporation, Yellow Corporation, Sysco, Tenet Healthcare, or any public company with SEC filings and national vendor exposure (see our sample reports).

Moderate evidence Strong evidence Highest evidence

Region & location

Built for cross-border review. U.S. addresses parse deepest today; global counterparties still map to one comparable score.

United States
Primary
Canada
Strong
Europe
Strong
Asia-Pacific
Good
Latin America
Good
Middle East & Africa
Growing
U.S. trucking/logistics: enhanced FMCSA / USDOT enrichment

Buyer workflows

The report is for teams extending money or terms—not consumer credit. Typical buyers across company sizes:

Vendor onboarding 30%
Trade credit / AP 25%
Commercial lending 20%
Cross-border screening 15%
Resolution / counterparty review 10%
  • Small business credit teams Replace or supplement bureau SMB scores (Intelliscore, PAYDEX, LexisNexis Small Business).
  • Mid-market finance & procurement Onboard vendors and set terms before first invoice—not after a default pattern emerges.
  • Enterprise treasury & risk Screen large public counterparties with bankruptcy and legal context on one 0–100 read.
  • International operations Compare domestic and foreign entities without translating local bureau scales.

How to read this: Percentages illustrate typical evidence depth, not a guarantee for any single entity. Every segment gets the same report structure—score, risk factors, data comparison, and recommendations—with confidence badges that reflect how complete the underlying records are.

Score by Loan Term

Term lens

One report — four lending horizons

FP moves with loan length; Experian Intelliscore Plus V3 does not—one bureau number for every term below.

FixPayment
6 months
78 / 100
Good
+6 pts Standard
1 year
75 / 100
Good
+3 pts Standard
Your FP score
2 years
72 / 100
Good
Baseline Standard
3 years
54 / 100
Fair
-18 pts Review
Experian Intelliscore Plus V3 (300–850)
Same every term
6 mo
696

Moderate · same all terms

1 yr
696

Moderate · same all terms

2 yr
696

Moderate · same all terms

3 yr
696

Moderate · same all terms

Takeaway: FP readjusts for 6 mo → 3 yr exposure (78–54 on 0–100). Experian V3 stays 696—mapped from your headline FP score for illustration; your purchased bureau file may differ.

0
100
Illustrative · not actuarial

FP Risk Score Odds Table

Translate a 0–100 FP Risk Score into underwriting-friendly odds. Higher scores mean lower estimated 12-month distress probability—shown as 1 in N odds, implied percentage, and suggested credit posture.

FP Score Band 12-mo odds Implied % Distress view Suggested posture
80–100 Strong 1 in 250 0.4% Low Standard net terms; routine monitoring
60–79 Good 1 in 100 1.0% Low–moderate Net 30 with periodic review
40–59 Fair 1 in 35 2.9% Moderate Shorter terms or partial prepay
20–39 Weak 1 in 12 8.3% Elevated COD, secured terms, or executive approval
0–19 High Risk 1 in 4 25.0% Severe Prepay only; avoid unsecured exposure

Distress odds chart

Bar length = illustrative 12-month distress probability (lower is better). Read top-to-bottom from strongest to highest-risk bands.

80–100
1 in 250
60–79
1 in 100
40–59
1 in 35
20–39
1 in 12
0–19
1 in 4
Example readout Score 72 · 1 in 100 (1.0% illustrative distress)

Reference only: Odds bands are illustrative underwriting guides derived from the FP Risk Score scale—they are not actuarial guarantees. Live reports combine score, evidence, and confidence indicators; use this table to align policy thresholds across teams.

Business Intake

Use commas between street, city, and state/ZIP when you can. Suite or unit numbers (e.g. #a, Suite 200) are fine.