When you’re making an important decision about extending credit, objective third-party data will give you a more accurate assessment of risk than just relying on a credit application. When looking for credit, borrowers tend to highlight the most favorable information in their credit apps and skip over anything that might make them look like a bigger risk.
With Equifax business credit reports, you get confirmed data that’s much more comprehensive. Equifax reports that it tracks more than 33 million active small businesses in the U.S. and 76 million U.S.-based businesses overall.
In this guide, we’ll explain what Equifax corporate credit reports contain, how decision-makers use them, and why understanding this data is essential when evaluating companies for credit, trade terms, or partnerships.
What Is an Equifax Business Credit Report?
An Equifax business credit report is a consolidated view of a company’s credit-related activity, built from trade data, public records, and risk indicators. Unlike consumer credit reports, which focus on individual borrowers, business credit reports evaluate how an organization manages its financial obligations.
Equifax aggregates data from lenders, suppliers, leasing companies, and public sources to help answer a fundamental question: how likely is this business to pay on time?
How Equifax Corporate Credit Reports Are Used
When you work with a new customer, you want to be sure they pay you on time. When you bring on new suppliers, you want to be sure they’re financially healthy so they can get you the goods and services you need. Keeping an eye on existing customers’ credit is also smart, as it can help you spot trends before problems get serious.
All of this helps you make smarter business decisions, helping evaluate risk and set terms for business relationships.
What Makes Up a Small Business Credit Report?
Equifax business credit reports are structured to support fast, consistent credit decisions by presenting standardized data categories that reflect financial behavior and risk exposure, including:
- Business identification and firmographic data
- Business credit scores and risk indicators
- Trade payment history
- Public records and legal filings
- Collections, delinquencies, and defaults
Beyond individual company reports, Equifax also tracks broader business credit risk trends that influence how lenders and suppliers evaluate exposure. These macro indicators help provide you with context when you’re looking at small business or Equifax corporate credit reports. For example, Equifax tracks business default rates. While showing some improvement toward the end of 2025, the Small Business Default Index (SBDFI) remains higher than normal. This information helps provide a baseline for you to evaluate credit reports.
What Are Equifax Business Credit Scores?
Credit scores take into account a wide range of indicators to evaluate risk. Unlike consumer credit scores, they use different scoring models, data sources, and ranges, and they are interpreted within a commercial risk framework.
What is considered a good credit score with Equifax? Scores above 700 are generally considered good, and scores on the lower end may still indicate some risk.
Beyond scores, trends are often a significant indicator of changes to financial health. If scores are going up over time, that’s a good sign the business is improving. Conversely, declines may require a closer look even if scores are in an acceptable range.
Checking the Equifax Payment Index as part of your credit report shows payment performance over the past year. Higher scores show a company is more likely to pay on time. These range from 0 to 100.
Accessing Equifax Business Credit Data Through Command Credit
Command Credit provides on-demand access to Equifax business credit reports as part of a broader business credit intelligence platform. On-demand Equifax corporate credit reports through Command Credit allow you to view credit data without committing to a long-term subscription. You can pull business credit reports from Equifax, Experian, Dun & Bradstreet, and Credit Reports World in one place.
Get instant access to Equifax business credit reports without a long-term commitment. You can also schedule a free consultation to see how on-demand corporate credit reporting supports smarter risk and credit decisions.