Commercial Delphi


Predict business failure over the next 12 months

All businesses are subject to change, so how can you know which customers will pay you, and will still be secure in the future? You can manage potential business credit risk with Commercial Delphi scorecards, using an in-depth credit score system to predict the continuing stability of your customers.

What are Commercial Delphi scorecards?

Commercial Delphi is one of the market leading business credit scores that uses an intelligent rating system to accurately predict business credit risks and failure within the next 12 months. It combines multiple scorecards, using a mixture of different variables depending on the size of the business.

How can Commercial Delphi scorecards help you?

  • Make the best credit decision at the point of customer application – calculated in real time, delivered through a variety of online systems
  • Predict the financial health of customers for the next 12 months
  • Take a consistent view of which of your customers are likely to fail
  • Strengthen your risk strategies with a deeper understanding of your customers
  • Maximise marketing resource and ROI by ensuring efforts aren’t spent on unsuitable new customers

A blend of data

  • Get deeper commercial understanding based on a blend of integrated consumer and business information
  • View a unique business credit risk score incorporating directors’ commercial track record, directors, consumer track record, financial trend information and payment performance
  • Commercial Delphi’s powerful combination of business and business owner information is significantly more predictive of credit risk than using commercial data alone

Risk scoring

  • See an Experian credit rating, and credit score, with our view of the amount of credit that could reasonably be offered
  • See a fully integrated risk score that combines size and age of business, industry sectors, geographical region and the consumer score of the people behind the business
  • Take into account adverse information including CCJs, bankruptcies, director track record, payment information and financial trend analysis
  • Get immediate insight into a business’ financial stability and credibility with an up to date and accurate credit rating that integrates all the financial elements of a business

Risk assessment

  • See the risk of business failure within the next 12 months – for both new customers, and your existing portfolio
  • Accurately predict business closures, dissolutions and cash flow problems
  • Proactively manage risk through in-depth insight into the background of a company and its owners using one of the most predictive risk assessment tool on the market

Real time credit decisions, delivered via a number of online systems.

Have you thought about using Commercial Delphi to maximise marketing efforts, and use against your current customer portfolio?

 

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