Applications are welcome from: UK, Europe, USA, Asia, Africa, Caribbean, South America, Australia, Canada, Worldwide

YOUR BUSINESS CREDIT PROFILE

Online Business Credit

Build Business Credit

IMPROVE YOUR BUSINESS CREDIT PROFILE

BUSINESS CREDIT REPORT

PROTECT YOUR BUSINESS CREDIT

Your business credit record is the primary way that companies evaluate whether to do business with you and on what terms. Companies rely on your business creditworthiness to make critical decisions, including whether:

to sell to you

to lend you money

you are viable as a partner

to lease the equipment for your business

to increase your line of credit

to buy goods and services on credit terms

to give you favourable financing rates and terms

you stack up favourably against other companies

Who can apply for Business Credit Profile?

Limited & PLC Companies
Partnerships
Sole Traders
Voluntary Organisations
Community Organisations
Charities
Offshore Companies
Companies Worldwide

By improving your business credit profile, you will not only avoid mistakes and omissions, but you can be confident that your business is always being evaluated in the best possible light.

What is in your credit profile? What is it telling other companies about you?

Your business credit profile is like your business ‘Curriculum Vitae’; it contains critical information that other businesses use when deciding whether, and on what terms, to do business with you.

How can I improve my Business Credit Profile?
With our Business Credit Profile you can raise funding for your business; you can influence your business profile, and you can proactively improve your business’s creditworthiness; once you know what information is most important, you can pay more attention to it.

Why is business credit important?
Good credit is the lifeline of your business. It enables you to obtain funding for things like expansion, capital expenditures, research and development, and staffing. It is the principal contributing factor to your business’s future growth, not to mention the cash necessary for survival.

Good Business Credit
It's not just about getting access to financing; business credit has increasingly become the primary vehicle for setting terms on business loans, determining insurance premiums, even setting lease payments. Good business credit can earn you lower rates, strengthening your cash flow.

Credit Profile Improves Cash flow.
You need to make purchases on a regular basis from a supplier or various suppliers. However these purchases are creating a heavy short-term burden on your cash flow. Without good cash flow, you can have difficulty financing day-today operations such as paying employee salaries and purchasing the inventory necessary to generate sales. Poor cash flow can make it especially difficult to invest in purchases needed to propel your company's future growth. While understanding the concept of cash flow and the strategies for improving it, is easy. Putting that understanding into action can be more challenging.

With a good business credit profile - your cash flow problems are solved. The supplier or suppliers supply goods or services to your company on credit terms. The suppliers are happy because they have a stronger balance sheet. You are happy because you have made sales that would not be possible without the B2B Credit Profile and, we're happy because we were able to participate in the opportunity and profit as well. In short everybody wins.

Your business credit record is the primary way that companies evaluate whether to do business with you-and on what terms.

WWCB2B.COM is committed to helping our Clients manage their business credit report wisely and we strive to assist you in improving your credit report and credit rating. Serving our Clients responsibly is at the core of what we do.

	Take control of your business's credit profile with the B2B Credit Information Service, and obtain the best terms for business finance, and lines credit facilities.
Our service enables more timely and accurate assessment of the current risk of providing finance or credit insurance.

Enhanced Credit Information Service

The Enhanced Credit Information Service benefits both the consumers and providers of finance and credit. It enables the credit and finance industry to accurately assess the current risk of providing finance or credit insurance to SMEs with visibility, control and the opportunity to obtain the best possible terms and conditions for finance, invoice discounting or credit insurance for their business.

How The Credit Information Service Work

The payment experiences other companies have with you are the most impactful data in your business credit profile.

Ensuring all relevant trade experiences are represented.

Keeping your personal finances in good order.

Keeping your business credit profile in good order.

Keeping your debt financing down. The capital structure of your business—that is, the extent to which you use equity or debt to finance your operations—is an important determinant of your creditworthiness.

Contributing to your own profile. Some credit managers prefer detailed reports with a lot of supporting information, enabling them to assess risk based on a broader frame of reference.

Keep an eye on the key financial indicators in your own report to see how they compare to other companies in your industry.

How to Build Your Business Credit Profile

Every business decision you make and every transaction you undertake can impact what information your suppliers, service providers, customers, and business partners see about your business. It could be major transactions like paying vendors or making lease or mortgage payments, but it could also be seemingly smaller transactions like equipment leasing, advertising, shipping packages or underwriting insurance. Every business transaction you make affects what the business world sees about your business. All these changes can affect the terms you get from your creditors or your bank; they can affect the prices you pay for insurance, all having an impact on the lifeblood of your business, cash flow and your reputation. In today’s world it is critical to keep on top of your record, it’s a CV on your business and it impacts your credit score, your attractiveness to vendors / service providers and your brand image.

Keeping on top of your business profile enables you to see how your business partners see you. The terms, credit limits and rates you receive from vendors, service providers, banks and insurance companies greatly affect your cash flow. By monitoring your profile and maintaining a strong credit score you can get the most favourable terms and rates that enable you to save money and improve your cash flow.

The ability to conduct timely and informed risk assessments is central to trade credit insurers. With our Business Profile to raise funding program your business profile will included:

Management accounts

Business Plans - with detailed underlying assumptions for key figures such as sales and margins

Cash Flow projections - showing available headroom within existing financing facilities

Sensitivity analysis

Details of funding or banking arrangements - including term, overdraft and revolving facilities, and applicable covenants.

Capital expenditure plans and details of funding.

Credit Insurers:

AIG

Atradius Credit Insurance

Coface

Credit Indemnity & Financial Services (CIFS)

Euler Hermes

HCC International Insurance Company

QBE European Operations

Zurich