A smarter way to access and automate business credit data - without the silos.

When onboarding merchants, one of the most overlooked signals is also one of the most valuable: commercial credit.

For years, pulling commercial credit data has been a manual, disconnected process for merchant underwriting teams. You’d need access to an external provider. You’d log in, search by business name, and try to factor that data into your risk decision - after the fact.

It’s useful data, but hard to operationalize. That changes today. We’re introducing Commercial Credit Data Integration for US businesses directly into the Coris platform.

The Problem

Today, underwriting and risk teams have limited visibility into the historical financial health of businesses they onboard - unless they manually pull credit from providers like Experian or LexisNexis.

But even then:

• Getting access takes time and effort
• Manual pulls are slow and siloed
• There’s no standardized way to factor credit data into real-time decisions 

This leads to slower onboarding, inconsistent underwriting, and unnecessary manual reviews - especially for mid-market and large merchants with meaningful processing volume.

What We’re Launching

With Commercial Credit Integration, platforms can now:

• Pull a business credit score and report directly in the Coris portal
• Use credit data in the automated onboarding and risk monitoring workflows
  
• Save credit reports as PDFs for audit or documentation
• Avoid standalone vendor contracts - we handle access and integration

This means credit access no longer sits in a separate tool. It becomes part of the automated underwriting and monitoring system your team already uses.

How It Works

From within the Coris platform, teams can:

• Request a commercial credit report and score for any merchant
• View the score and summary data in the UI
• Include credit signals in approval logic (e.g. auto-decline if credit score below threshold or other derogatory factors)
• Monitor merchant credit health on an ongoing basis
• Automatically flag changes that require further review

There’s no need to log in to external systems. No long setup cycles. Just real-time credit insight, integrated with your existing workflows.

Why It Matters

The ability to pull and use commercial credit data - on demand - isn’t just a nice-to-have. It unlocks smarter risk decisions in three key moments:

1. Onboarding
   Use credit data to auto-approve, flag, or decline applications - without slowing down good merchants.
2. Monitoring
   Catch risk signals before payout issues arise. Combine Coris’ proprietary external monitoring signals with credit data to trigger decisions. Automatically trigger payout holds or manual reviews based on credit changes.
3. Auditing & Documentation
   Download and store PDF credit reports for internal documentation or compliance reviews.

What’s Next

This is just the beginning. We’re actively working on:

• Regional expansion for pulling credit in Europe and beyond
• Consumer credit pulls for authorised representatives or beneficial owners
• Confidence scores to indicate likelihood of repayment or payout risk

These enhancements are part of our mission to help platforms onboard and manage merchants with speed, clarity, and confidence - all in one place.

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