The selling entity
We start with the company that issues the invoice — not a list of cities. If that entity can be underwritten, we continue.
Coverage
We underwrite the file, not a map.
$2M–$25M B2B distributors. If the selling entity and the aging file can be placed, we will say so. If they cannot, we will say so.
The aging file
Performing invoices, commercial card mix, and the rate on the operating line decide the product. Geography does not.
The finding
If the file cannot be placed, we will say so. If it can, you get a written range against the last 90 days.