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BERNARD SANDS
CREDIT RATINGS, REPORTS AND SERVICES RETAIL & CONSUMER GOODS
For more information, contact to bgerrity@smythsolutions.com or call +1 646 442 3704.
Bernard Sands Retail Division has no peer when it comes to the North American retail industry. 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 records, and manage your accounts in an online portfolio.
Bernard Sands covers the "key" accounts, such as department stores, discounters, and mass merchandisers, and the thousands of "mom and pops" that are the lifeblood of many companies. In fact, we actively track over 250,000 retailers, distributors, and their suppliers. Furthermore, if you contribute your monthly AR data to the RationalScore Virtual Credit Network, we even benchmark and report your company's credit exposure and collection days for each customer vs. the industry.
Expert Credit Products
Snap!™ is a quick decision tool that provides credit information and opinions in an abbreviated snapshot, including our Payment Quality Index (PQI™), and optional financial and vital business information. Snap! is easy to use and powerful whether you sell the majors, or sell independent customers. Subscribe / Find out more
- Company summary/history
- Credit Line Opinion (when available)
- Payment Quality Index
- Trade References
- News
- Location mapping
- Financials
- Analyst Consultation Available
- Optional Services
CreditPay™ Reports are comprehensive, state-of-the-art credit reports that include all the credit basics plus advanced features, all delivered "on demand" and designed to help you better manage risk. Subscribe / Find out more
- 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 (when avail)
- 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.
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
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.
Payment Quality Index (PQI™)
Our Payment Quality Index ("PQI™") is derived from millions of recent payment experiences to determine probability of getting paid on time and the trend.
PQI data is included in Sands SNAP! Services, CreditPay reports, TradeChek reports and Trade Payment Reference reports, and for RationalScore Virtual Credit Network participants.

For more information, contact to bgerrity@smythsolutions.com or call +1 646 442 3704.
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