Lendflow allows you to pull credit data through our API or a data entry widget. Below are the details of the available Dun & Bradstreet Scores. To see Experian Data details please see the Lendflow Experian Data Details.

Credit Rating

Maximum Recommended Limit

A D&B® Credit Limit Recommendation is created by analyzing the size, industry, and payment history of a business. It is primarily used as a guide by companies considering extending a line of credit to a company. Also, some banks and creditors may look at this recommendation when making decisions about extending a loan to a business.

Delinquency Score

Raw Score

Class Score

National Percentile

Risk Incidence Percentage

The Delinquency Predictor Score (formerly the Commercial Credit Score) predicts the likelihood that a company will pay in a severely delinquent manner (91+ days past term) over the next 12 months, seek legal relief from creditors, or cease operations without paying all creditors in full over the next 12 months based on the information in D&B’s database.

A severely delinquent firm is defined as a business with at least 10% of its dollars 91+ days slow.

The Delinquency Predictor Classes range from 1 through 5, where 1 represents businesses that have the lowest probability of severe delinquency, and 5 represents businesses with the highest probability of severe delinquency.

More details on the D&B Delinquency Predictor Score

Failure Score

Raw Score

Class Score

National Percentile

Risk Incidence Percentage

The D&B® Failure Score (formerly the Financial Stress Score) also uses a 1 to 5 rating, but the FSS pertains to the business’s likelihood of financial stress – such as filing for bankruptcy – in a 12-month outlook.

More details on the D&B Failure Score

Standard Rating

Financial Strength


The D&B® Rating combines a company’s size and its balance sheet information (the company’s assets, liabilities, and the owners’ equity) and uses this to create an overall rating for the business’s creditworthiness. This score can help viewers make sense of all the information in a business credit report by giving an overall indication of a company’s credibility.

What is the D&B Rating?

The D&B Rating is a system that measures a firm’s size and composite credit appraisal, based upon information from a company’s interim or fiscal balance sheet and an overall evaluation of the firm’s creditworthiness.

The “5A” to “HH” Rating Classifications reflect a company’s size based upon net-worth or equity as computed by D&B. Company size can be an effective indicator of credit capacity. These Ratings are assigned to businesses that have supplied D&B with a current financial statement.

The Composite Credit Appraisal is a rating system from 1 through 4 that makes up the second half of a company’s rating and reflects D&B’s overall assessment of a firm’s creditworthiness. The Composite Credit Appraisal is based on D&B’s analysis of company payments, financial information, public records, business age and other important factors (when available).

Note: A “2” is the highest Composite Credit Appraisal possible for a company that does not supply D&B with current financial information.

The “1R” and “2R” Rating categories reflect company size based on the total number of employees for the business. They are assigned to company files that do not contain a current financial statement.

ER (Employee Range) Ratings apply to certain lines of business that do not lend themselves to classification under the D&B Rating system. Instead, these types of businesses are assigned an Employee Range symbol based on the number of people employed. No other significance should be attached to this symbol.

For example, a rating of “ER7” means there are between five and nine employees in the company. “ERN” should not be interpreted negatively. It simply means we do not have information indicating how many people are employed at this firm.

The D&B Rating field in a report may also display the following designations when certain conditions are present:

The ‘- -‘ Symbol: This represents the absence of a D&B Rating and should not be interpreted as indicating that credit should be denied. It means that the information available to D&B does not permit D&B to classify the company within a Rating Key and that further inquiry should be made before reaching a credit decision. Some reasons for using the “- -” symbol include: deficit net worth, bankruptcy proceedings, lack of sufficient payment information or incomplete history indicator.

DS (DUNS Support): This indicates that the information available to D&B does not permit D&B to classify the company using the D&B Rating Key.

INV (Investigation Being Conducted): When an “INV” appears, it means an investigation is being conducted on this business to get the most current details.

NQ (Not Quoted): This is generally assigned when a business has been confirmed as no longer active at the location, or when D&B is unable to confirm active operations. It may also appear on some branch reports, when the branch is located in the same city as the headquarters.

Viability Rating

Viability Score

  • Bad Rate

  • Class Score

  • Class Score Incidence Percentage

  • Overall Bad Rate

  • Risk Level

Portfolio Comparison Score

  • Bad Rate

  • Class Score

  • Class Score Incidence Percentage

  • Segment Bad Rate

  • Model Segment

  • Risk Level

The D&B Viability Rating is a multi-dimensional rating that delivers a comprehensive assessment of a company’s future viability. It combines the deepest measures of risk to deliver a highly reliable rating that analyzes current and future health.

The Viability Rating comprises both predictive and descriptive components. Predictive components predict the likelihood that a company will go out of business, become inactive, or file for bankruptcy over the next 12 months. The descriptive components provide an indication of the amount of predictive data available to make a reliable risk assessment, as well as insight into the age and size of business.

More details on the D&B Viability Rating

Number Of Employees


Business Trading

Total Experience Count

Total Experiences Amount

Slow or Negative Payment Percentage

D&B requires at least 4 of your payment experiences on file in order to create a PAYDEX for your business. If these are not recorded, a PAYDEX score cannot be created.



3 Months Prior Paydex Score

The PAYDEX is a unique, dollar weighted indicator of a business’ payment performance based on the total number of payment experiences in D&B’s file. The D&B PAYDEX ranges from 1 to 100, with higher scores indicating better payment performance.

Payment experiences are gathered by D&B from suppliers and vendors this firm does business with. Each experience reflects a different supplier and reflects how bills are met within relation to the terms granted. Up to 875 payment experiences are used to generate the PAYDEX Score and up to 80 representative payment experiences are reported in your credit report.

More details on the D&B PAYDEX Score

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