Business credit reporting,
designed for growth.

SMB financial services have gone digital. To attract and retain the next generation of SMB customers requires differentiated digital experiences, tools to build trust with borrowers, and incentive structures to encourage positive accountability.

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How it works

Transform credit reporting into customer retention with digital business credit tools.

Yesterday, fully-online account opening, credit applications, and money movement were differentiators.
Today, they're table stakes.

SMB owners are looking for refined digital experiences and financial partners invested in their long-term business success (not just funding). That means higher engagement, more opportunities for cross-selling, higher credit usage and deposits, and lower delinquencies.

1

Report your credit data

2

Give borrowers access to business credit tools

Illustration of two business men shaking hands
3

Drive SMB engagement and loyalty

Reporting is difficult

Reporting business credit activity is often inefficient, manual, and error-prone.

Each bureau has a different data standard.

Complex data transformation and formatting is required.

Poor data accuracy and manual dispute-handling create manual overhead.

25%

of business credit reports contain critical errors.1

Hansa makes it simple

Hansa automates the entire furnishment process to business bureaus & consortia.

Between credentialing, compliance, and dispute management, Hansa automates the hardest parts of credit reporting. This allows you to access better underwriting data, but without worrying about the overhead of starting and maintaining a credit reporting practice.

More about credit reporting

And helps you leverage reporting to engage your SMB customers

Report

Effortless reporting to business credit bureaus

Engage

Borrower tools for business credit score access

Monitor

Portfolio monitoring for attempted credit stacking

1B+

credit volume processed with Hansa.

86%

of business owners want their payments reported.3

1 of 4

business owners found critical errors in their commercial reports.1

Hansa connects and transforms your data so you don’t have to.

With a simple CSV export or API connection, Hansa can ingest your loan or spend tape in its raw form, transform it, and transmit it to all major commercial bureaus and consortia.

Drive behavior change with your borrowers.

Borrowers who know their credit is reported are more likely to pay on time.2

Email and text notifications drive down delinquency risk and give borrowers a chance to catch up.

Build trust, engagement, and walletshare

Turn your commercial credit data into borrower retention and growth.

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Explore all Use Cases

Trade Credit

Term Loans

Factoring

CDFIs

Credit Card

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Let's level up your business credit practice with borrower tools that reward accountability.

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1

The Wall Street Journal - “Of the firms that did check their reports, one quarter said they found errors [...] that put their business in a riskier category”

2

Antonio Doblas-Madrid, Raoul Minetti (2013) studies the effects of joining a credit bureau. In the conclusion, they separate the extensive effects of joining a bureau (access to information to vet borrowers) from the intensive effects (improved repayment performance). The calculation on the latter saw a decrease in the probability of serious delinquency (90+ days) from a 7.3% > 5.7% chance. Actual results reporting through Hansa may vary.

3

We conducted a survey of 200 small business owners across the US. 172 of them responded that it was "important" or "very important" to have their loan payments reported to the credit bureaus.