How does the Risk Rating work?

The Risk Rating flags businesses that may need additional review during onboarding — it is not predictive of financial performance.

Factors that affect the risk rating include:

• Bankruptcies

• Liens

• Litigations

• Time in business

• The number of recent applications (to detect synthetic-identity fraud)

There are other proprietary rules that go into the risk rating. It uses rules-based calculations, not statistical models, so the more data you request (liens, litigations, bankruptcies), the more accurate it is.

Display: an A–F letter grade plus a score, like KYB. Scores update as more information is collected (an initial A may become B or F after further searches).