Mercantile Credit Bureau specializes in the outsourcing of credit investigations, business information gathering and credit policy consulting. We facilitate the credit application review process by providing the latest quality information thereby eliminating credit application fraud and maximizing profitable sales.

Products and Services Available: Commercial Credit Profile

Working from your customer's credit application, our Credit Profile amalgamates bank, trade/supplier corporate and legal information into a single investigative report. We provide our customers with a clear and comprehensive picture of how a business handles their financial obligations. We guarantee that your inquiries will be held in strict confidence and that we will obtain your permission before contacting any subject directly.

Our standard Commercial Credit Report contains:
  • Correct legal name
  • Length of time in business, incorporation date, incorporation number
  • Principals & background, including affiliations with other companies
  • Presence of legal activity above Small Claims Court
  • Payment history from trades submitted. We will also provide trade/supplier experiences that we have on file
  • Banking information, with up to a two year history of bank reports, for trend analysis
  • Tax Assessment Information
  • Other inquiring members by SIC Code
We can fully customize your Commercial Credit Report to suit your specific requirements.

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Credit Assessment Program (CAP)

In today’s often volatile business climate, making well informed credit decisions is crucial to the growth and profitability of your business.

A single credit report or financial statement can only provide a glimpse into a customer’s complete credit profile and the need to perform due diligence on high value accounts (generally over $50,000) can put a strain on resources, impede productivity and keep revenue off the books.

The Credit Assessment Program (CAP) is a highly customized, comprehensive and investigative program specifically designed to monitor customers with whom you have medium to high risk and/or financial exposure.

Available exclusively online, subscribers have access to multiple sources of credit and financial data for their entire receivables portfolio. Updated as required, CAP allows you to make decisions that will maximize revenue on low risk accounts and limit further exposure on high risk accounts.

The Credit Assessment Program provides:
  • Legal Name Verification
  • Address and contact information
  • Incorporation details and company origin
  • Related concerns, affiliates and divisions
  • Overview of market, brands/products, mergers and acquisitions
  • Credit rating and credit analyst recommendations
  • SIC Code and description
  • Link to customer website
  • Principals, Directors and Officers
  • Current and historical financial statements
  • Experian and other credit agency reports
  • News and Press Releases
  • SEC Filings and legal information
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Account Monitoring

Members submitting their aged trial balance can subscribe to the Account Monitoring Program. This cost effective and proactive program will provide you with a fully automated tool to protect your assets and mitigate risk.

Using our online reporting system, members can identify specific customers to monitor from their list of outstanding receivables. Should we receive any updates to the banking information, legal name, trade references, payment habits or items of record for any of these customers, you will be notified.

Notification frequency can be set “as it happens” or at predetermined intervals (weekly, monthly, etc.). You can add or remove customers from your list as often as necessary depending on the status of their account.

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Corporate Searches

A Corporate Search verifies the registered legal name, business owners and their residence address, date of incorporation, business jurisdiction, name changes, and amalgamations. This service is available in Canada in all ten Provinces and three Territories and in forty-nine of the fifty U.S. States with varying degrees of information depending on Provincial and State government regulations.

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U.S. Business Report

Any business that is buying or selling in the U.S. market can take advantage of our U.S. business reports. We have access to accurate and verifiable payment and legal information anywhere in the United States. U.S. reports include recent SEC filings and financial statements, payment history, UCC filings, statements of claim and background information. Our research staff can supplement any report to meet your minimum requirement for credit granting if our standard report is insufficient.

Order a U.S. Business report when:
  • Reviewing credit limits of existing American customers
  • Opening new U.S. accounts
  • There is a change in payment pattern of your existing U.S. client
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Principal Reports

The personal credit worthiness of a business owner will enable a credit professional to make more informed credit decisions on small businesses. Order a Principal Report every time you review credit on a sole proprietorship or partnership. The Principal Report provides a current and historical credit record on the payment habits and indebtedness of an individual. The report contains bankruptcy details, public record filings (suits, judgments) and a score to denote the timeliness of the payment pattern.*

*A signed credit application authorizing the creditor to obtain credit information is required when ordering this report.

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Insolvency Searches

We can verify whether a business or business owner has ever been insolvent.

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PPSA Registration

The Personal Property Security Act (PPSA) is a procedure for creditors to register their specific interest in the personal property of a debtor and to secure payment of the debt and to establish a priority position in the collateral, thereby providing notice to others who may give an existing or future interest in the goods in question. If you would like more information on how Mercantile Credit Bureau can help you secure your interests, please contact us here

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PPSA Searches

A PPSA search will identify secured creditors as additional trade reference sources. It is useful to determine if other suppliers are selling on a secured basis only, or if the business is free of other secured interests.

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