Credit reports
Commercial Credit Report, on any business
VerifyAll lets businesses in India pull a commercial bureau report on a company or firm — credit facilities, balances, delinquency history, guarantor exposure and the scores of associated individuals — and download it as one report.
- 100% accuracy
- Instant verification
- Downloadable report
How it works
From login to credit report in six steps
A commercial credit report on VerifyAll is a guided workflow — you enter the entity’s details, and the bureau report on the business returns instantly.
- Step 1
Log in to VerifyAll
A business signs in to its VerifyAll dashboard.
- Step 2
Enter the business details
Add the business name and business PAN, and confirm you are authorised to run the check.
- Step 3
VerifyAll pulls the commercial report
The request goes to the commercial bureau and the report on the entity returns instantly.
- Step 4
Summary displayed
The credit summary, open facilities and delinquency position appear in your dashboard.
- Step 5
Full report generated
Facilities, delinquency history, guarantor exposure, associated persons and enquiries are laid out in one report.
- Step 6
Download the report
Save the commercial credit report as a PDF for the counterparty file.
Understanding the commercial report
What is a commercial credit report?
A commercial credit report is a bureau file on a business entity rather than an individual. It shows the entity’s borrowing — every credit facility across lenders, sanctioned and outstanding amounts, overdue positions and delinquency history — plus exposure where the entity or its principals act as guarantor, and the credit scores of associated individuals.
On VerifyAll a business enters the entity’s name and PAN, and the commercial report returns in seconds — with a business profile, a year-on-year credit summary, open-facility detail, a delinquency summary, guarantor exposure, associated persons and recent enquiries, ready to download.
Why businesses pull it
To size a counterparty’s borrowing and repayment behaviour before extending trade credit, supplier terms or a loan.
What it shows
Credit facilities by lender, sanctioned and current balances, overdue and delinquency history, guarantor exposure and associated individuals’ scores.
How it works
Enter the business name and PAN. The report is on the entity, drawn from lender-reported commercial data.
When it is used
At vendor credit assessment, trade-credit decisions, business lending and counterparty risk monitoring.
The report
What’s in the commercial report
The report is laid out in the same sections every time, so credit and risk teams read it consistently.
Business profile
Legal name, constitution, incorporation date, PAN, CIN and registered address.
Credit summary
Credit facilities, open facilities, lenders and sanctioned amounts, year on year.
Balance overview
Sanctioned, current balance and overdue across open facilities.
Open facilities
Each facility by lender group: sanctioned, balance, overdue and vintage.
Delinquency summary
Overdue buckets, DPD history and the most severe delinquency in 48 months.
Guarantor exposure
Facilities where the entity or its principals stand as guarantor.
Associated persons
Proprietors, partners or directors linked to the entity, with their credit scores.
Credit enquiries
Recent enquiries on the entity with institution, date and amount.
What it looks like
A snapshot of the report
How the commercial bureau report reads once it is pulled — score, summary, accounts and history in one view.
| Lender group | Facility type | Sanctioned | Balance | Status |
|---|---|---|---|---|
| Lender group A | Term Loan | ₹80,00,000 | ₹33,00,000 | Active |
| Lender group B | Working Capital | ₹2,00,00,000 | ₹1,55,00,000 | Active |
| Lender group C | Business Loan | ₹1,50,00,000 | ₹0 | Closed |
One dashboard
Run it across every counterparty
Whether you check one business or review a whole supplier base, every commercial pull is authorised, returns in seconds, and lands in one dashboard you can search, filter and export.
- The requesting business confirms it is authorised to run a commercial check on the entity.
- The purpose of the check is stated at the time of the request.
- The report is shared only with the requesting business.
- Reports are handled under a defined retention policy, not kept indefinitely.
- Scores shown for associated individuals belong to those individuals, not the entity.
Use cases
How businesses use the Commercial Credit Report
A commercial credit report is the borrowing and repayment picture a business checks before it extends credit to another business.
Vendor credit assessment
Size a supplier’s borrowing before agreeing credit terms.
Trade credit & supplier terms
Set credit limits from the counterparty’s repayment behaviour.
Business lending
Underwrite a loan to a company or firm.
Distributor & dealer credit lines
Approve and review channel-partner credit lines.
Invoice & supply-chain financing
Assess the entity behind the receivables.
Counterparty risk monitoring
Re-pull periodically to watch a counterparty’s credit health.
Co-lending partner checks
Verify a business borrower before passing them to a partner.
Procurement risk review
Check a bidder’s financial standing during evaluation.
Credit reports
Every bureau, one platform
Pull the report you need — or run more than one. Every credit report also works alongside identity, KYB and background checks on VerifyAll.
Need to pull commercial reports in bulk?
Lenders and large buyers reviewing many counterparties can pull many commercial reports at once with our bulk verification solution.
Why VerifyAll
Why businesses pull credit reports on VerifyAll
Pull it in seconds
Enter the applicant’s details, capture consent, and the bureau report returns instantly.
Consent-first
The applicant agrees to the pull before it runs, and the terms are recorded.
One clean report
Score, accounts, balances, payment history and enquiries in a single readable PDF.
Part of one platform
Run a credit report on its own, or alongside identity, KYB and background checks.
Commercial Credit Report — FAQs
Common questions about pulling a commercial credit report on VerifyAll.
Still have questions? Our team is happy to help.
Contact SupportPull a commercial credit report with VerifyAll
Enter the business name and PAN, and download the commercial report — then explore the rest of the VerifyAll verification platform.