Commercial defaults

Make confident credit decisions with powerful insights into business payment behaviour.

A commercial default occurs when a business fails to meet its financial obligations, such as loan repayments or agreed credit terms. Experian’s Commercial Defaults data gives you critical visibility into the creditworthiness of your commercial clients.

By combining extensive data sources with advanced analytics, this solution helps you identify potential risks early, manage exposure proactively, and stay compliant with regulatory requirements. The result? Smarter decisions and stronger protection against financial loss.

Key features

A powerful suite of tools designed to deliver comprehensive insights into commercial defaults.

Overdue debt records

Access overdue commercial debt reported to Experian by banks, telcos, suppliers and other credit providers.

Detailed default information

View essential details including default amount, date and the reporting organisation.

Risk identification

Detect businesses with repeated payment issues or deteriorating credit behaviour.

Real-time integration

Integrate real-time data feeds into your credit and risk workflows for up-to-date decision-making.

Benefits at a glance

In a landscape where financial stability and informed decision-making are critical, Experian’s Commercial Defaults data empowers your business to act with confidence and clarity.

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Proactive risk management

Identify and mitigate potential risks associated with commercial defaults before they impact your business.

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Smarter decision-making

Make data-driven decisions with comprehensive insights into the creditworthiness of your commercial clients.

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Regulatory compliance

Maintain accurate, up-to-date credit information to support compliance with regulatory standards.

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Cost reduction

Minimise financial losses and operational costs by effectively managing and mitigating default risk.

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