Business Tradelines

PBCC Business Tradeline Broker Product Overview

  • Business tradelines post within 45-60 days of the submission date.

  • Business tradelines stay on the file permanently.

  • Business tradelines post with up to 2 years history depending on age of company.

  • Business tradelines post to Equifax, Experian, D&B, and Lexis Nexis via the Small Business Financial Exchange (SBFE).

  • Final order cutoff date for tradeline submissions is the 20th.

  • Tradelines are uploaded to bureaus once per month on the 20th.




Required Information

Business Owner Information

  • First Name

  • Last Name

  • Email Address

  • Mobile Number

Company Information

  • Business Name

  • Business Street Address

  • Business Phone Number

  • Business Formation Date

  • EIN

  • DUNS #

Required Documents

  • Owner’s Government Issued ID

  • IRS SS-4/EIN Document (example below)

Payment Instructions

Zelle Instructions:

Recipient Name – IVAN DIVINO SR
Memo - Leave blank
Recipient Email Address - or cell 563.451.3948

Apple Pay: 563.313.1223 cell

Wire Instructions made available upon request.


1. How do you report business tradelines?

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.

2. What is SBFE?

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.

3. Are your business Tradeline legitimate?

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

4. Will I get a business credit score?

Our tradelines are only one of many input data that bureaus used to create business scores. Your credit will be positively affected.

5. Can I get funding after receiving trade lines?

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.

6. How can I obtain my business credit report?

Visit to obtain your report. We will provide additional instructions after your purchase. Please contact us first before trying to get your report.

7. Where do these tradelines report?

Tradelines report to credit reports on Dun & Bradstreet, Equifax, Experian, and Lexis Nexis, and Ansonia.

8. What may keep my tradelines from reporting?

If you have submitted incorrect information such as wrong address, an incorrect EIN, or other misinformation, your tradeline may not report correctly.

9. How does SBFE reporting affect my credit?

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.

10. What happens if my Tradeline does not report?

If you have submitted correct information and it has been at least 90 days after upload you may request a refund.

11. How can I obtain my Lexis Nexis report?

For more information about Small Business Credit Report with SBFE Data, call 1-800-953-2877