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BERNARD SANDS CREDIT RATINGS, REPORTS AND SERVICES COMMERCIAL DIVISION
For more information, contact bgerrity@smythsolutions.com or call +1 646 442 3704.
With a reputation for integrity and actionable intelligence since 1925, Bernard Sands is the gold standard for credit business information, opinions and ratings.
All of our credit services are available through a powerful Internet interface, so you can forget misplaced files, and manage your information online.
Bernard Sands covers your customers from the "key" accounts to the tens of thousands of independent customers that are the lifeblood of many companies. In fact, we actively track over 17 million businesses in total, and have trade references on 5 million. Further, if you are a member of our RationalScore Virtual Credit Network, we even benchmark your company's credit exposure and collection days with each customer vs. the industry.
CreditPay™ Reports are comprehensive, state-of-the-art credit reports that include all the basics you need plus several innovative credit features, all delivered on demand and designed to help you manage risk better. We even include benchmarking your own A/R experience vs. the trade history.
- Financial risk score/rating
- Credit line opinion option when available
- Trade references
- Payment scores
- Industry high credits
- Industry Days to Pay
- Liens, public filings
- Financial references
- Flash E-mail Alerts
- Risk Portfolio Monitoring
- Financials
- Location mapping
- Expert analysts on-call for advice
- Integration with our RationalScore Virtual Credit Network allows you to compare your own collection, DSO and high credits vs. the industry down to a customer level, subject of course to data availability.
INTEGRATED CREDIT PRODUCTS
Credit Co-Sourcing - Employing top technology and expert staff, we augment or outsource your credit function. We establish credit files, credit reports and credit lines for you based on your risk tolerances and policies, and monitor them with an online portfolio against actual exposures and customer payments. This is Active Management, which includes an analyst or shared credit manager working on your behalf – using your rules of engagement. The portfolio is always available to you online. Credit insurance is an option also, to manage strategic risk.
Customized Payment Scoring and Risk Scoring products are available from our tens of millions of records of proprietary data. Join our RationalScore Virtual Credit Network, which already receives 1.6 million trade lines a month and covers 5 million accounts. Subscribe / Find out more
Payment Quality Index (PQI™)
Bernard Sands uses its proprietary analytics to analyze millions of current AR and payment experiences to determine payment trends. The Payment Quality Index ("PQI™") is a weighted payments index tracking changes in payment patterns over time, taking into consideration the velocity and direction of change.
We can score this data for you, based on your criteria or ours, or provide data for your internal scoring systems.
PQI data is included in Sands SNAP! Credit Line Opinion reports, CreditPay reports, TradeChek Plus reports and Trade Payment Reference reports, and for RationalScore Virtual Credit Network participants.

Strategic Monitoring – Customers and Suppliers
Strategic Monitoring is a customized information, consulting and monitoring service to provide a high level of vigilance for your major industry risks, whether they be customers or suppliers. This includes monitoring and interpretation of critical trade credit elements, including industry sentiment, payment patterns and consultation with our analysts. Bernard Sands also performs custom trade surveys, reports and consulting.
For more information, contact bgerrity@smythsolutions.com or call +1 646 442 3704.
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