Built-in data science, analytics and consultancy
4D Credit is the most comprehensive and innovative suite of commercial credit data and insight solutions on the UK market, combining Credit risk, Survivability, High Growth and Affordability scores. Using our market-leading data, insights and models, 4D Credit combines traditional and non-traditional data, with built-in data science, analytics and consultancy.
Unlock your commercial lending intelligence, supporting small business growth
The widest possible data universe
With 4D Credit, you get access to the widest possible data universe at your fingertips for a complete view of how the macro-economic environment – including high interest rates, high energy costs and unstable customer confidence – is impacting commercial customers.
4D Credit leverages data from Experian’s up-to-date industry-leading sources of information on UK SMEs and sole traders (including commercial CATO data, CAIS data and Payment Performance data with over 6 million ledger transactions) to drive and inform your lending decisions.
Up-to-the-minute insights
By combining commercial Credit risk scores, Survivability, Growth scores and Affordability metrics, 4D Credit gives you accurate, up-to-the-minute insights into customer credit risk and new lending opportunities.
- Better understand current portfolio
- Protect your business with advanced risk and debt management
- Help your customers improve their financial performance and market share
View the product sheet
How can I access 4D Credit?
We will provide a solution that fits with your budget and requirements, but you can rest assured that our data is collected, compiled and delivered to the highest possible quality.
Request a consultationThe benefits at a glance
Gain a deeper understanding of your portfolio
And exploit hidden growth opportunities
Minimise your risk exposure
while avoiding missing out through being over-cautious
Refine lending strategies and criteria
And support your customers
Determine which businesses are going to fail
And best equipped to survive or grow
Optimise risk appetite
To support underserved businesses and make decisions based on their long-term impact
Protect your portfolio
By proactively managing problem debt