Small Business Financial Exchange (SBFE) Credit History

As part of our mission to make money smarter, Ohio Business Funding reports customer credit performance to the Small Business Financial Exchange (SBFE®). That means you can use Ohio Business Funding to build credit history and credit score for your business simply by paying on time.

SBFE is a nonprofit trade association that gathers and protects the largest aggregation of small business payment data in the U.S. It’s not a credit bureau and doesn’t provide credit scores or credit reports. Governed by the small business lending industry, the association makes business data available for approved Certified Vendors.

According to SBFE, “Certified Vendors must undergo a rigorous certification process and ongoing oversight designed by the industry in order to receive this designation.” Certified Vendors include Dun & Bradstreet, Equifax, Experian, and LexisNexis Risk Solutions.

As an SBFE member, Ohio Business Funding reports your balances and payments to SBFE monthly. Other SBFE members who access and report small business data include the 10 largest U.S. business card issuers and 12 of the top 15 commercial lenders.

Through the SBFE Data Warehouse, the association securely shares your data with Certified Vendors, who combine your Ohio Business Funding account history with data reported by other SBFE members and public data to create a credit report and credit risk score for your business.

SBFE members—including banks, credit unions, credit card issuers, and other lenders—rely on data and analytics from Certified Vendors to offer loans or extend credit to small businesses. SBFE data represents more than 38 million small and micro businesses dating back to 2001.

Business data reported by Ohio Business Funding and other financial institutions is reported through the SBFE Data Warehouse where it’s securely stored and protected from any use outside the intended purpose.

To learn more, visit sbfe.org.