Commercial credit reporting, built for the web
Replace desktop commercial reporting tools with a browser-based workflow for DUNS-keyed business entities, commercial account mapping, bureau-ready validation, and per-reporter approval tracking.
Built for
What makes reporting hard here
Commercial data does not fit a consumer-only workflow
Business legal names, DBAs, DUNS numbers, EINs, guarantors, trade references, and payment experiences need different mapping and validation than consumer-only Metro 2 records.
Reporter approval is the real go-live gate
D&B/GTEP, Experian Business, Equifax Commercial, SBFE, and specialty commercial programs each control their own contracts, credentials, test files, and acceptance process.
A/R exports are messy
Most teams start with ERP, loan-servicing, leasing, or accounts-receivable exports that were never designed to become commercial credit reporting files.
DUNS identity matching is easy to get wrong
A business can have multiple locations, DBAs, inactive records, or weak matches. The platform needs a reviewable DUNS workflow, not a free-text business-name field.
Desktop utilities slow down every recurring cycle
Local installs, manual file movement, and workstation-specific workflows make commercial reporting harder to audit, automate, and support.
Upload your commercial portfolio. We produce a validated reporting workflow.
Switch Labs supports commercial credit reporting as a web-based workflow: business identity management, account mapping, validation, reporter approval tracking, and recurring file generation once each reporter has approved your program.
- DUNS-keyed business-entity records with legal name, DBA, address, industry, and firmographic context.
- Commercial account mapping for loans, leases, lines, net terms, and payment experiences, including ECOA W where the target format accepts it.
- CSV, Excel, API, and SFTP ingestion from ERP, A/R, loan-servicing, leasing, and B2B credit systems.
- Approval tracking for D&B/GTEP, Experian Business, Equifax Commercial, SBFE, and specialty commercial reporters.
- Validation before generation so missing identity data, account logic gaps, and reporter-specific fields are caught before a test file is sent.
- No desktop utility: import, map, validate, generate, transmit, and audit from the web platform.
How your first file comes together
- 1
Export the commercial portfolio
Send a CSV, Excel file, API payload, or SFTP drop with business identity, account terms, balances, aging, and payment performance from your source system.
- 2
Resolve business identity
Match or upload DUNS records, confirm legal name and DBA, and keep commercial entities separate from consumer PII and guarantor data.
- 3
Map accounts to the target format
Map loans, leases, credit lines, trade references, net terms, and payment experiences to the commercial fields required by the target reporter.
- 4
Validate and review exceptions
Run commercial identity, balance, aging, payment-history, and reporter-readiness checks before any file is marked test-ready.
- 5
Track each reporter approval
Record contracts, credentials, minimum data requirements, test-file status, acceptance notes, and production go-live dates for every commercial reporter.
- 6
Automate the recurring cycle
Once a reporter approves the program, generate and deliver recurring files through the web app, API, and SFTP automation with a full audit trail.
Where your data lives
Commercial reporter delivery is never represented as live until that reporter's approval, credentials, and test-file acceptance are complete for the customer. CSV/SFTP remains the universal ingestion path.
DUNS identity and approval tracking are available in the platform; live GTEP delivery is enabled per account after D&B approval, credentials, and test-file acceptance.
Commercial furnishing is tracked per account; file delivery depends on Experian Business approval and the accepted production format.
Commercial data delivery is enabled after Equifax Commercial approves the reporter relationship and confirms required fields and credentials.
SBFE participation is membership and agreement gated; the workflow tracks approval artifacts and maps data for the approved path.
Generic CSV, Excel, API, and SFTP exports from accounting, ERP, and accounts-receivable systems are the standard ingestion path.
Any servicing system that can export business identity, account terms, balances, and payment performance can be mapped into the commercial workflow.
Commercial Data Reporter Approval Checklist
The approval artifacts to collect before turning on live commercial furnishing for any reporter.
- Select target commercial reporters
- Document the reportable portfolio
- Confirm permissible reporting basis
- Collect business identity fields
- Resolve and verify DUNS matches
Commercial credit reporting mapping template
A starter map from common commercial portfolio exports to the fields needed for business credit reporting and reporter approval.
| Your column | Metro 2 field |
|---|---|
| business_legal_name | Business Legal Name |
| dba_name | DBA / Trade Style |
| duns | DUNS |
| ein | Tax ID / EIN |
| business_address | Business Address |
| account_number | Account Number / Reference Number |
Compliance you can stand behind
Commercial and consumer data stay separated
Business entities, DUNS records, commercial account data, and any guarantor/consumer segments are modeled separately so a commercial workflow does not leak into consumer-only assumptions.
Reporter approval controls live delivery
The platform can prepare the workflow, but production delivery is only enabled after that reporter has approved the customer, issued credentials, and accepted a test file.
Audit trail for recurring reporting
Commercial imports, mapping changes, validations, generated files, submissions, and response handling are recorded so operations and compliance can review each cycle.
Frequently asked questions
Do you support commercial credit reporting today?
Yes. Switch Labs supports commercial credit reporting workflows, including DUNS-keyed business entities, commercial account mapping, validation, and reporter approval tracking. Live delivery is enabled per reporter after approval, credentials, and test-file acceptance.
Can this replace a desktop commercial reporting utility?
That is the goal. The workflow is web-based: import, map, validate, generate, transmit, and audit through the browser, API, and SFTP automation instead of a local workstation utility.
Which commercial data reporters are tracked?
The approval workflow tracks D&B/GTEP, Experian Business, Equifax Commercial, SBFE, and specialty commercial reporters. Each reporter has its own approval state, credentials, test-file status, and live-delivery gate.
What source files can we use?
Most teams start with CSV, Excel, API, or SFTP exports from ERP, accounts-receivable, loan-servicing, leasing, or B2B credit systems. The mapping template is saved and reused each cycle.
Do we still need approval from each reporter?
Yes. Commercial reporting requires reporter-specific approval. Switch Labs helps package the data, track the process, validate test files, and operate the recurring workflow once approval is complete.
Other solutions
Replacing a desktop commercial reporting workflow?
Send us the export your team uses today and the reporters you need to support. We will map the portfolio, identify approval gaps, and produce a web-based path to the first test file.