equifax commercial financial network cfn

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U.S. COMMERCIAL SERVICES & THE COMMERCIAL FINANCIAL NETWORK

Confidential and Proprietary – Do Not Distribute 2

Our Commercial Value Proposition

Our core purpose is to expand access to capital and services for American small business.

Small Business

Business Ownerand Identity

PaymentPerformanceEmployment

Wealth andAssets

Activity andBehavior

SMALL BUSINESS

No one else has all this data, intelligently linked and ready for use


PaymentPerformance

Wealth andAssets


Employment SMALL BUSINESS

The Commercial Financial NetworkOver 28 million business records, intelligently linked and growing daily

Five major data categories, expanding well beyond the traditional credit bureau model

More than 1,200 commercial payment data contributors

The fastest-growing commercial database, adding three new contributors/week


CFN Building Blocks • Contact information• Linkages and hierarchies• Owner history• Owner telco, cable and utility data

• Financial tradeline data• Non-financial trade credit data• Negative public records• Business owner credit data

• Macroeconomic data• Fraud data• Digital footprint and spending behaviors• Life stage (growth/decline)

• Asset and wealth data• Financial statement and stock price• DDA and property data• Trade-based models/attributes

• Raw income & employment• Employee trends• Income trends• Proprietor’s employment



Wealth andAssets


SMALL BUSINESS

CAMBRIAN


PaymentPerformance

Wealth andAssets




So What? What If … … you knew which business proprietors boast a long history of successful business ventures?

… you knew that your portfolio’s delinquency rate was higher orlower than your peers?

… you had the profiles of the 20,000most successful proprietors in America?

… you could see that a business owner hassubstantial home equity available?

… you could identify smallbusiness proprietors whoalso have a full-time job?

… you knew that your customer just stopped paying its biggest supplier?

… you could leverage balance sheet data to assess business health?

… you knew the wealth profile of your small business targets?

… you knew your customer was hiring in droves?

… you knew you had a customer with a recent flurry of positive – or negative – online reviews?

… you could segment businesses bytheir proprietors’ personal interests?

… you could identify if a proprietor has been involved in fraudulent activity, prior to making an offer?

... you could quickly validate a business’ category/type, longevity and affiliates?



Wealth andAssets


SMALL BUSINESS

CAMBRIAN


PaymentPerformance

Wealth andAssets



Confidential and Proprietary – Do Not Distribute

CFN for Credit Risk Management Verify Identity, Assess Risk, Monitor Accounts

Reports Reports include: identity info, firmographics, public records, summary

credit data, inquiries, suggested credit limits, scores, trends, trade lines Trade line data sourced from financial institutions and non-financial

institutions such as telecomm firms, utilities and goods/service providers. CFN analysis showing comparable hit rate and KS performance on

blended scores vs. SBFE & competition

Attributes

Business Modeling Attributes (BMAs) – Thorough aggregation of business credit behavior as well as public record and firmographic attributes. Used to develop advanced custom models, account review systems or for data warehousing applications

More than 1,400 time-series key attributes which can be used independently or in combination and available online or offline.

Scores & Analytics

Predictive scores – offer insight into likelihood of delinquency and business failure; vertical-specific scores available (e.g., Transportation, Mfg., etc.)

Business activity monitoring (BAM) Custom score models. Engagements include:

– Credit decisioning analytics– Credit line assignment– Relationship management (e.g., cross-sell)

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CFN Data ContributionThree Reasons to Contribute Your Data to CFN

Industry Leading DataBased on reciprocity (give-to-get)

No charge for contribution and no membership fees

Retain ownership of data

Best-in-class Governance, Security and ComplianceRobust governance infrastructure refined over a decade

Dedicated security team with real-time compliance reporting

Contributor-based Advisory Council

Expanded Use Cases and Insights

DDA and merchant services

Access to full spectrum of Equifax data and analytics

Potential for product discounts based on contribution

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APPENDIX

equifax commercial financial network cfn

Documents