Tradelines -Financial Transformation

Tradeline FAQs

As a SBFE member lender we assign purchased debt to your company. We then upload to SBFE which reports the tradelines to business credit bureaus.
SBFE stands for Small Business Financial Exchange, an independent non-profit data warehouse that receives borrower data from member lenders and then normalizes and compiles the data before submitting to Dun & Bradstreet, Equifax, Experian, and Lexis Nexis.
Typically (3) billing cycles around 45 business days or around 90 days. We submit our member lender data to SBFE they in turn send data to Dun & Bradstreet, Experian, Equifax, and Lexis Nexis. Each bureau may update data at different times.
Instead of made-up data that some service providers may report, all of our data is actual business debt that is legally assigned to your business.
Tradelines' age correspond to the actual debt that you are acquiring. Typically debt is no less than 6 months old and up to 36 months.
Our tradelines are only one of many input data that bureaus used to create business scores. Your credit will be positively affected.
Although we can not guarantee funding as many factors go into lender approvals, having positive trade lines on your credit may improve your chances of approvals. We will provide a list of member lenders that use SBFE reports in making credit decisions.
Visit to obtain your report. We will provide additional instructions after your purchase. Please contact us first before trying to get your report
Tradelines report to credit reports on Dun & Bradstreet, Equifax, Experian, and Lexis Nexis, and Ansonia.
There are 135 member lenders including 10/10 largest business credit card lenders and 9 of the top 10 commercial lenders contribute. These lenders include, American Express, Capitol One, Bank of America, PNC, Chase, Discover, and our company to name a few.
As a lender, our debt is typically lease debt and occasionally revolving.
If you have submitted incorrect information such as wrong address, an incorrect EIN, or other misinformation, your tradeline may not report correctly.
Lenders use business credit history such as high credit limit, type of credit along with other factors when determining if they will extend credit.
About 38 million businesses are represented.
We accept Bank ACH and Cash App and Credit Cards with Google Pay.
SBFE member lenders share data with each other. Member lenders often access SBFE reports before making credit decisions. This data can be obtained without your knowledge.
If you have submitted correct information and it has been at least 90 days after actual upload date you may request a refund.
Our purchased debt trade lines may go as high as $1,000,000
For more information about Small Business Credit Report with SBFE Data, call 1-800-953-2877.