Decide with Confidence

For you to minimize risk and maximize revenue to ensure your company remains healthy, an understanding of your customer or prospects’ long term business viability is essential. Staying informed of any changes in their status is the only way to grow your customer portfolio without growing your risk exposure.

D&B helps you to make the right decisions – whether you prefer to check on your business partners yourself, opt for an automated decision-making process or an integrated solution embedded in your corporate business processes.

Art and technology

Assessing risk is both an art and technology. Understanding risk throughout your business transactions, in a timely and efficient manner allows you to proactively protect your business and profit margins from potential risks of loss represented by fraud, failure or severe delinquency.

D&B gives you simple, intuitive tools for obtaining an instant picture of customer’s financial status.

With D&B, you decide with confidence – about business and the country they are based in , with the following products:

Commercial:

Business Information Report:

BIR is the most popular Dun & Bradstreet product. It is available on millions of establishments worldwide. It attempts to help improve your understanding of a prospective client or supplier by providing you with

• D&B's unique PAYDEX Score and D&B Rating to help predict which prospects will pay slowly or not at all
• factual information on the existence, operations, financial condition, management’s experience, line of business, facilities and locations of the prospect 
• special events, as well as any suits, liens, judgments or previous/pending bankruptcies
• banking relationship and accountants 
• parent company, affiliated concerns, subsidiaries, branches and divisions, referenced with name and D&B D-U-N-S® Number

BIR helps you answer questions such as :

• is my prospect well established?
• what is the level of risk associated with my prospect?
• will my customer pay, and when?
• how does my customer/ supplier compare with his peer group?
• can I depend on a supplier to deliver as promised?
• has the financial condition and stability of my customer/ supplier changed?

To learn more about Business Information Report, send us a messageor call us on
(632) 892-2028/(632) 892-2031 . View a sample

VIPReport:

D&B's VIP Report can help you reduce risk on larger exposure transactions, and make more informed decisions regarding :

• Competition
• Merger/ acquisition candidates
• New major vendors

The VIP Report provides a personalized analysis of all the information on a company available to D&B, complete with historical and projected trends of the company and its industry.

With the VIP Report, you get the benefit of individual consultation with a D&B analyst on the account for one full year. Just tell us the specific information you need for your decision on the account, and a D&B analyst will handle all the research and recommendations.

To learn more about VIP Report, send us a message or call us on (632) 892-2028/(632) 892-2031 .

C-CAM: Customer Credit Assessment Model

D&B’s Customer Credit Assessment Model is designed specifically for the South Asia & Middle East business environment, customized to meet your company’s specific credit risk assessment needs. It is based on a detailed assessment of your customer’s/ dealer’s financial and non-financial parameters such as financial position, operational performance, sales, employee size, number of years in existence and management quality

Benefits of D&B’s Customer Credit Assessment Model to your Company

• Authenticate the background of new customers/ dealers before appointing them or doing business with them 
• Obtain a neutral assessment of the creditworthiness and business risk of each customer/ dealer 
• Assess whether or not to issue a credit line to these customers/ dealers 
• Frame decision rules pertaining to extending credit lines to customers/ dealers based on objective criteria 
• Monitor credit risk of existing customers periodically to identify:
  - High risk accounts
  - Deteriorating accounts
  - Marginal accounts that need further control

To learn more about C-CAM Customer Credit Assessment Model, send us a message or call us on (632) 892-2028/(632) 892-2031 .

Consumer Verification Report:

The Consumer Verification Report includes information that helps to enhance credit risk management and enable faster, more objective credit assessment process.

Information found inside the Consumer Verification Report include:

• Basic personal profile details

Basic personal profile data is primarily meant for the verification of identity to ensure that the correct information is captured on each consumer. The other credit-related information found in the report is required for credit-worthiness assessment purposes.
The Consumer Verification Report does not give any opinions nor indicate nor comment if credit should or should not be granted in the credit report. View a sample

Valuation Services:

A. Property Appraisal

Basis of Valuation

Fair Market Value as used is defined as the amount in terms of money at which the property would exchange in the current real estate market, between a willing buyer and a willing seller, neither being under an abnormal pressure nor compelled to buy or sell, both having reasonable knowledge of all relevant facts and with equity to both.

Methodology and Approach

In arriving at our opinion of value, we normally make reference to a combination of the two generally accepted approaches:

Market Approach – considers prices recently paid for similar assets, with adjustments made to indicate market prices to reflect conditions and utility of the appraised assets relative to the market comparative.

Cost Approach – considers the cost to reproduce or replace in new condition the assets appraised in accordance with current market prices for similar assets, with allowance for accrued depreciation as evidence by observed condition or obsolescence present, whether arising from physical, functional or economic causes.

B. Business Valuation