construction credit reports

Ansonia’s Construction Credit Report Makes Critical Data Immediately Available To You.



Want to cut your client research time from hours down to just a few minutes?


Want to rest assured that you’re making the best credit decisions for your company?


Read on, and we’ll prove to you how we can help you save valuable time and money by combining all the different information sources in one place. Ansonia is the best choice for getting the premium credit decision information in the fastest way possible.




Make Your Credit Decisions Easily,
Confidently and Quickly

ansoniaclockface

Why waste hours researching when you can have everything you need in mere minutes?

You’re a busy person. We know you’re concerned about making the best credit decisions you can, trying to collect all the information you need to make an informed assessment on whether or not to extend credit to a construction project. You need to know the amount of risk associated with any construction project before you can make your final decision.

Finally, there is a unique solution that will help you
make your decisions easily, confidently, and quickly.




Get Everything You Need In One Convenient Place –
Ansonia’s Construction Credit Report

Do you realize you now have access to the most select construction credit data on the market that will save you a lot of time and money? Using this new tool will give you complete confidence in making 100% informed decisions when it comes to assessing the risk associated with any construction project.

Our famous Business Credit Report combined with all the important Project Information you need – all in one place:

  • Title Data
  • Notice of Completion
  • Public Record Data
  • Active Trade Lines, Credit Analysis & Scores
  • Links to State Contractor Information
  • Mechanic Lien/Release/Discharge
  • Notice of Lis Pendens Action/Discharge
  • Bankruptcy, Tax Liens and Judgments
  • Collection Agency Activity
You won’t find all this title and credit information in any one report anywhere —
except Ansonia!

If you’re still wasting time going to several places to collect this disjointed information:

ansoniastop

Take some time now to discover for yourself how Ansonia’s Construction Report is not only the most up-to-date credit report available, but the most in-depth title report, too - something you’ve never seen before in today’s credit environment.




Here’s How Ansonia’s Construction Report Is The Best One On The Market Today.

As I’m sure you’re well aware, most of the credit reporting systems out there give you data that is anywhere from 60 to 90 days old. What would happen if you gave a construction project funding, only to find out a little too late that they’re already starting to have financial problems on their other projects? Now your job and reputation is on the line.


Ansonia’s Construction Report can save you from those embarrassing situations.



Unheard Of

The data contained within the report helps material suppliers, general contractors and project lenders perform due diligence on their customer as well as the projects they will be supplying materials, labor or financing for.

The ability to confirm that a contractor is licensed to execute the work they're going to do, pays their bills on time, is free of liens, judgements and the like all in one report is previously unheard of in my 35 years in business credit. This report will help you determine the maximum dollar value your company should risk for any project that your customer is bidding on or that you plan to supply materials for.”

—Rich Adams, President and CEO
Southwest Business Credit Services



Customizable Construction Credit Reports Lead to Better, Faster Credit Decisions

Watch the video below to see how your report would work.



Ansonia's construction credit report is the only one that gives you all these superior benefits:


commercial credit reports

Ansonia has a Large Network

Ansonia’s Construction Credit Reports benefit from the entire Ansonia community participating in the system, anonymously. It’s effectively like having thousands of businesses out there on the lookout for negative trends for your clients. Knowledge is power. The sooner you know there’s a problem, the sooner you can react.






commercial credit reports

Reports are Easy to Read

It’s often difficult to know if a customer is a good or a bad customer with other credit data companies’ reports. With Ansonia’s Construction Reports, you’ll always be confident knowing that you made the best decision.








Ansonia Clearly has the Advanced, Customer-Oriented
Construction Credit Reports You Need

By combining top-notch, highly reliable credit reports with caring customer service and BIG savings — Ansonia is rapidly becoming the first choice for businesses of all sizes.



See the difference.
Try our free credit
report today.

•  Verify a new customer
•  Check an existing customer
•  See the difference
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Nothing Else Like It

The report gives someone in the construction industry all of the data they need to know about the amount of risk associated with a construction project in one place. There’s nothing else like it on the market to my knowledge. In the more than 30 years of experience that CMA has in the Construction Forms Filing business, our customers have asked us for this type of report, but we previously didn’t have the technology to allow us to provide it.

With the help of our partners, we believe the report will save our customers countless hours searching for this type of data in multiple places, some of which is exclusive to this report. The information gained from the report can potentially save our customers tens of thousands of dollars by helping them avoid over-extending credit to risky companies.”

—Mike Mitchell, CEO
Credit Management Association



Grab This Powerful Arsenal Of Business Credit Reporting Tools That Only Ansonia Can Give You:


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


Construction Credit Reporting Agency Articles

 

11 Accounts Receivable Management Best Practices

If you are extending payment terms to customers, sound accounts receivable management is crucial to preserve your cash flow and protect the bottom line.Here are some basic accounts receivable management best practices that you should consider implementing.

11 Accounts Receivable Management Best Practices

1. Establish a Credit Policy

Before offering payment terms, you need to define a clear credit policy that allows you to determine your risk when extending credit to a new customer.Always review the business credit report of a potential client , and make sure that your evaluation is based on up-to-date, high quality data.

2. Bill Electronically

You can avoid long delivery times and potential delays with the postal service by using an electronic data interchange (EDI), e-invoicing, email or even fax to deliver invoices.

Once you switch over to electronic billing, consider shortening your payment terms from net 45 or net 30 to payment due on receipt.

3. Send out Invoices Promptly

Instead of transmitting all your invoices on a weekly or monthly batch, make sending them out as they are generated a priority.

4. Offer Alternative Payment Methods

Giving customers flexible payment options such as electronic funds transfer (EFT), PayPal and credit cards can help you convert receivables into cash faster.An EFT allows customers to deposit their payments directly into your company bank account -- all they need is your bank name, branch and account number, which can be included on your invoices.

5. Use Accounts Receivable Management Tools

Using customizable accounts receivable management tools give you an easy and efficient way to streamline the entire credit approval through the collection process.

Look for web-based tools that offer you cutting-edge technology, continuously updated accounts receivable data and in-depth analytics.

6. Monitor Accounts Receivables

Set up an A/R aging report and review it at least weekly so you can track accounts as they become delinquent. Be sure to follow up with customers who do not pay invoices within the terms they have agreed to.

Every day that an invoice is overdue has a negative impact on your cash flow.

7. Pick up the Phone

Having a conversation with a customer can encourage an on-time payment or help you learn why an overdue invoice has not been taken care of.You should call to verify receipt of an invoice 15 days after it goes out. If a payment is not made within a reasonable period, follow up with another phone call. Speaking directly with a customer is usually more effective than sending emails or collection letters, and that personal touch can help maintain your business relationship.

8. Keep Collection Records

Maintain detailed records of the collection attempts you make for each past-due account.Include phone calls made, emails and collection letters sent, and take notes on the their responses for future reference.

9. Offer Early Payment Discounts

The standard early payment discount offered by many companies is 2/10, net 30, which gives customers 2 percent off an invoice that is paid within 10 days, or the total is due in 30 days. Instead, try 2/10, net 20 as more of an incentive.Do not let late payers take advantage by not enforcing the discount period.

10. Consider Factoring

Using a factoring company is an option that can improve your cash flow, and eliminate the cost and hassle of dealing with receivables.A factor will pay you a discounted amount for your outstanding invoices and then take over collections. Depending on your situation, the benefits may outweigh the percentage taken off the top.

11. Contact a Collection Agency

If you have overdue accounts that are impossible to collect, your last viable option may be turning them over to a collection agency (be sure it is your last option).You will only receive a fractional value of the receivable if the agency is able to collect, but it is a better alternative than writing off bad debt.

In Conclusion

Extending payment terms to customers can help your business grow but can also open you up to credit risk

Use these accounts receivable management best practices to better protect yourself and your bottom line.

 


You Can Find More Information at www.Ansoniacreditdata.Com/

Call Us Today at: 1-855-267-6642

"

Accounts Receivable Fraud Schemes You Need To Know

Accounts receivable fraud has long been on the radar of the Securities and Exchange Commission, and with non-financial corporate receivables at $2.3 trillion in Q3 of 2010, it is easy to see why: that is a lot of potential revenue, and the fact that AR assumes some uncertainty as to when (and whether) it will be paid allows unscrupulous employees room to manipulate the data.

Mark Beasley, in a report published in Accounting Horizons, found that receivables and inventory were the most misstated asset accounts. And with single instances of fraud averaging about $180,000, knowing how to recognize and prevent accounts receivable fraud can mean the difference between a healthy revenue and accounting system and a dangerously compromised one.

Here are several types of AR fraud to be aware of:

The Most Prevalent Accounts Receivable Fraud Schemes

Lapping Accounts Receivable (or Hiking)

Lapping of accounts receivable is one of the most common forms of AR fraud, and one of the more difficult to detect. Lapping describes an employee recording payments to incorrect accounts in order to conceal a theft. If Company A makes a payment, an employee with access to payment processing can steal the funds, then record the next incoming payment from the account of Company B to to the account of Company A. This can continue indefinitely, with each subsequent payment covering the missing funds in an earlier account.

Ironically, one of the signs that an employee is lapping accounts receivable is that they seem to be too dedicated to their work: coming in every day, possibly showing up early or working late, and refusing to take vacations. That is because the scheme never ends: the fraudster has to show up every day to continue the misdirection

The blog feature a full article on lapping of accounts receivable, and how to prevent it.

Sales Data Manipulation (or Skimming Fraud)

A skimming fraud occurs when the same employee handles both invoicing and payment processing. The employee presents an invoice to a customer for the full cost of service and records a lower invoice or payment, pocketing the difference. This causes a discrepancy in goods or services rendered and revenue received, but can be difficult to detect if these two data streams are not well reconciled.

Fraudulent Delinquency of Accounts

If an account is marked as delinquent, it may be included in the allowance for the company for doubtful accounts and removed from gross receivables. When this happens, payments on the account may no longer be accounted for to the best ability of the company. An employee with access to the accounts classification system can mark a current account as delinquent and begin pocketing the payments.

Diversion of Delinquent Payments

Similar to the above, an employee with access to payment processing can divert payments that come from delinquent accounts, knowing that these accounts may have been written off and may not be well-monitored.

Shell Collections Companies

When an account is turned over to a collection company, there is often no guarantee that a payment will be collected in full. Exploiting this uncertainty, an employee with a relationship to a disreputable collection company may receive kickbacks in exchange for turning over delinquent accounts, which the collection company can collect on and under-report to the company holding the account. Thus, the company loses out on money that was paid in order to settle the receivable debt, while the dishonest employee and the shell company both profit.

Employees receiving kickbacks from shell collections companies can also choose to assign current accounts to the company, ensuring a steady stream of diverted funds.

What Can You Do?

Supervision, separation of duties, data reconciliation, account monitoring, and audit controls are all important in the prevention of accounts receivable fraud. Among other strategies, your company should:

  • Ensure that no employee has access to the whole invoicing, collecting, and recording process for payments on accounts receivable,

  • Require that employees within payment-related departments rotate through specific tasks,

  • Implement mandatory vacation days, so that all employees must take all their vacation in a given year, disrupting any opportunities for long-term fraud,

  • Conduct random audits using an outside professional,

  • Reconcile bank deposit details against invoicing and A/R posting regularly,

  • Periodically review delinquent accounts and accounts sent to collections, or require that changes in account classification be approved by a supervisor who has no access to payment processing,

  • Encourage employee whistleblowing on cases of suspected internal accounts receivable fraud.
  •  

    "
    You Can Find More Information at www.Ansoniacreditdata.Com/

    Call Us Today at: 1-855-267-6642



     

    How to Calculate Days Sales Outstanding (DSO)

    Days Sales Outstanding (aka Daily Sales Outstanding and DSO) is an extremely important calculation for credit professionals. In a nutshell it is how quickly (or slowly) your company is collecting on their accounts receivable.Because of this, it is a great gauge of how well your credit department is performing. It helps track your AR collection performance month over month and provides strong evidence to prove to management you are doing well.In this post we will give you a quick overview of what days sales outstanding is and how to calculate your DSO.

    What is Days Sales Outstanding

    Your DSO is the average number of days it takes to collect on your accounts receivable after you have made a sale (or over a given period of time)A DSO calculation will show you both the:

  • Average time to collect on your receivables

  • Age of your receivables
  • A low DSO means that you are collecting close to your terms, whereas a high DSO means you are collecting slowly on your receivables.Lowering DSO will lower the amount of money you have sitting in receivables, thus increasing your cash reserves. In the competitive business environment of today, having liquid assets, like cash, and having a healthy cash flow are vital for success.

    Calculating Days Sales OutstandingThere are multiple ways to calculate Days Sales Outstanding, here I will show you the one most commonly used.

    Terminology:

    Accounts Receivable: The receivables that you are looking to analyze. This could be your entire portfolio or just a section of it.Total Credit Sales: The total amount of credit sales you have made. Exclude cash sales from this figure.Total Days Sales: Here you need to define the period of time you want to analyze. This could be a year (365), a month (30) or really any amount of time you want. Just make sure that the figures you use for accounts receivable and total credit sales are from this same time period.

    For Example:

    Chuck wants to know how quickly his company was collecting on their AR over the past 6 months (182 days). Over this period of time, his company had the following figures:

    Accounts Receivable: $10,000,000

    Total Credit Sales: $55,000,000

    Here is the DSO calculation:

    In our example, Chuck found that his Days Sales Outstanding over the past 6 months were 33.09 days.

    What is a Good Days Sales Outstanding

    This really depends on your company, your stated terms and your industry. A DSO less than 30 days is expected if you enforce 15 day terms. For some a DSO higher than 40 days is unacceptable. Conversely, in some industries, a DSO of 40 days would be impossible.If you find that the your calculated DSO is higher than you want it to be, you should be sure that you are using the best tools to manage your business credit.

     


    You Can Find More Information at www.Ansoniacreditdata.Com/

    Call Us Today at: 1-855-267-6642

     

    A Sample of business credit reports
    for the Construction Industry
    found in Ansonia's database

     

    Company Name:  BEL AIRE MECHANICAL INC

    Street Address: 18859 MICROTRONICS WAY STE 6

    City: PHOENIX

    State/Province/Other: Arizona

    Zip: 85031

    Country: United States, U.S., US

    Phone: 623-907-2815

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!


    Would you like to know how BEL AIRE MECHANICAL INC pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For BEL AIRE MECHANICAL INC at: 1-855-267-6642

     

     

    Company Name:  ADI

    Street Address: 510 PERRY RD

    City: EL PASO

    State/Province/Other: Texas

    Zip: 3108

    Country: United States, U.S., US

    Phone: 949-361-9118

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!


    Would you like to know how ADI pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For ADI at: 1-855-267-6642

     

    Company Name:  LOUTEX CONTRACTORS INC

    Street Address: PO BOX 239

    City: JOAQUIN

    State/Province/Other: Texas

    Zip: 75954

    Country: United States, U.S., US

    Phone: 480-449-4700

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!


    Would you like to know how LOUTEX CONTRACTORS INC pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For LOUTEX CONTRACTORS INC at: 1-855-267-6642

     

    Company Name:  GRAYBAR ELECTRIC CO INC

    Street Address: PO BOX 78099

    City: ST LOUIS

    State/Province/Other: Missouri

    Zip: 63178

    Country: United States, U.S., US

    Phone: 409-697-3350

    Rating: Available!

    Historic 25 months

    Average Days To Pay: Available!

    Average Outstanding Balance: Available

    Total Companies Reporting Payments History: Available!

     


    Would you like to know how GRAYBAR ELECTRIC CO INC pays their bills?

    Call Us Today to Get Your Complete Business Credit Report
    For GRAYBAR ELECTRIC CO INC at: 1-855-267-6642



    Youtube Videos
    Construction Credit Reporting Agency
     

  • Where to get construction credit reporting agency
     
    Construction Credit Reporting Agency
    2108 Caton Way SW
    Washington
    USA
    1-855-267-6642

     

    Customized reports for the Construction Industry with unique information that other business credit reporting companies do not have.

    Ansonia Credit Data and ConstructionCreditReport.us

     

     

     

     

     

    How To Check A Company Credit Report

    Business Credit Score: What It Means to Your Business

     

    Every business has both a Business Credit Score and a Business Credit Report. A good (high) business credit score is key to having your company approved for financing and trade credit. Your Business Credit Score ranks the creditworthiness of your business, just the same as your personal score acts as a financial rating.

     

    How Are Business Credit Scores Determined?

     

    Business credit scores are determined by reporting agencies, such as Ansonia Credit Data, with several factors going into the calculation of these figures. Various traits about your company and its financial history determine how credit scores are calculated for your business. Please see below for some factors that may determine your business credit score.

     

    Outstanding Debts
    Payment History
    Credit Utilization Ratio
    Public Records, which may include bankruptcies, liens, and judgements
    Length of Credit History
    Company Size
    Industry Risk

     

    Some of the above factors are unique to Business Credit Scores while many are similar to the ones used for calculating your personal credit score.

     

    How Are Business Credit Scores Used?

     

    Before a lender or other creditor can approve your business for finance they need to determine how capable your business is of repaying its debts, and this is where your business credit score comes in. If your business has a high Credit Score it indicates to creditors that your business is trustworthy; that it is not a high risk for finance. Lenders will use the business credit report of your company to obtain detailed information about the financial history of your business; with your Business Credit Score serving as a quick-check evaluation.

     

    In addition, a high business credit score may give you access to more credit than you would be able to receive if applying for finance with only your personal credit score.

     

    It is Important to Check Your Business Credit Score

     

    All business owners should review the financial information of their company on a regular basis, and this includes their business credit score. These scores are fluid and can change with time. It is for this reason that creditors will assess your creditworthiness on a regular basis. If you should notice that your business credit score is low, there could well be an error in the credit reports which resulted in an inaccurate calculation. It might also be that your business does not warrant a higher score because it does not have sufficient credit history.

     

    However, if you believe there is an error in your Business Credit Score it is imperative that you contact the credit agency that generated the score in order to have this score checked, and corrected if necessary. If no error has occurred, it is still possible to increase your business credit score over a period of time by making payments on time and lowering the credit utilization ratio for your company .

     

    Regardless of whether you are just starting out in business or you have been in the game for many years, an essential aspect of staying competitive in business is to build a strong credit profile.

     

    Improving Your Business Credit Score

     

    It can be confusing trying to determine how and when business credit scores are used; however, it is actually very simple to keep your score high. Basically, it is the same as taking care of your personal credit.

     

    Make sure your business bills are paid either on time or before their due date;
    Maintain your credit utilization at around 25%. It is important that you do not max out your credit lines; and
    Open multiple credit accounts; such as trade lines, business credit cards, and loans.

     

    About Business Credit Reports

     

    You are probably aware that you can check your financial history by viewing your personal credit report. Well, the same information can be reviewed for your business, and that is because credit bureaus scour public records and other financial data in order to develop a credit report on your company the moment you start a business. So, when you receive trade credit (also known as a business loan or line of credit), information about your payment history is compiled and turned into a business credit score by a company such as Ansonia Credit Data. Ansonia Credit Data is a premier business credit reporting provider.

     

    One of the most important aspects of being a small business owner is to take the appropriate steps to build your business credit profile. Doing this will assist in creating strong business relationships and open up financial opportunities that will make running and growing your business so much easier.

     

     

     

     

    How To Check My Business Credit Report

    "

    Checking a Credit Report for a Company

     

    It is via a Business Credit Report that a person or company is able to evaluate the credit worthiness of potential suppliers, a competitor, or even its customers. A business will often run a Business Credit Report on itself to determine how its financial stability is being presented to the larger business community. We strongly advise that any business entering into a relationship with a new company should run a Business Credit Report, because this which will assist in determining the degree of risk involved in the proposed business relationship.

     

    Reading a Business Credit Report

     

    It is highly recommended that a company run a business credit report if it is considering evaluating the reliability of potential suppliers, granting credit to new customers, or even analyzing the credit standing of their own company . Typically, a business credit report will provide a snapshot of the credit history of a company, including how reliable it is in paying its bills and managing other financial obligations. Running a business credit report on a company can help you reduce risk by identifying potential warning signs of credit problems of your customers . It will also help you determine whether your own company is a positive credit prospect for its suppliers.

     

    A business credit report will ideally include a review of the following aspects of a business.

     

    Credit Risk Rating

     

    The majority of business credit reports include a rating system which has been designed to assist in gauging the potential risk of either late or delinquent payments. These ratings are determined through an analysis of different credit factors, like legal filings and past payments performance; plus, they are ideal for when you are required to make a quick credit decision. Any high risk rating should be taken very seriously.

     

    Payment History

     

    It is important that you analyze past payments to determine how efficient a company is in managing its accounts. Look for trends as well as timely payments. As an example: you may notice that a prospect previously made minimum credit card payments; however, they are now paying the balance in full each month. This could well indicate that the company has become a better credit risk, meaning that they have developed a stable revenue stream. In addition, you should check to see how the payment history of a specific business compares to other businesses in the same field. The information you gain here will confirm whether Are the payment patterns of the business in line with industry norms.

     

    Of course, this also applies to your own business credit report: when reviewing your own report, check for similar trends that your suppliers may notice.Company Background and Information

     

    A business credit report should include certain information, such as the name, address, and contact information of the company. It might also include information on its business type, such as the number of employees, industry by NAICS or SIC code, the status of incorporation, sales figures, and key officers. Conduct a careful review of this information to ensure that it is consistent with the records held by your company. If this information should not be consistent, be sure to advise the company concerned and request an explanation.

     

    A Word of Caution: Fictitious company names hide the true ownership of a business, so be alert for this kind of detail: it could well be an indication that the company concerned is attempting to conceal information.

     

    Legal Issues

     

    A business credit report can help you identify new clients who may turn out to be credit risks, or suppliers who may not be reliable, by disclosing legal issues regarding outstanding lawsuits, bankruptcy filings, court judgements and liens. It is true that many companies have at one time or another faced some type of legal proceeding or lawsuit, so it may not necessarily be important that they have a pending lawsuit. However, companies that have experienced bankruptcy proceedings or have liens placed against them should be assessed very seriously.

     

    Collection Proceedings

     

    Does the company in question have a known history of having accounts sent out for collection or of letting its bills lapse? Question continuous late payments, because they may be the result of disputes over goods and/or services, merchandise or other non-financial issues.

     

    The Age of a Company

     

    How long has the company in question been in business? Typically, a company that has been operating for many years will be more financially savvy and adept at managing their finances than a young company. A young company could well be a very good credit risk, but their creditworthiness should be researched further. One way of doing this is to check the personal credit reports of the leaders for the company, which should offer insight into how diligent they are about handling accounts.

     

    Uniform Commercial Code (UCC) Filings

     

    Checking a UCC filings of the company will offer an insight into the leases and liens it has in place. Reviewing this section of the business credit report can offer clues on how credit is used by a company. Let us say this specific company has a high number of trade credit relationships with other businesses, or it has a number of assets being held as collateral on existing loans: this could well mean that the business is financially overextended.

     

    Do your research and take all of these factors into account before making the decision to add your own name to the list of creditors of the company.

     

    "

     

     

    How To Check Your Business Credit Rating

    "

    Why You Should Use a Business Credit Report Service

     

    It is irrelevant whether you are just starting out in business, or you own a small business, or perhaps you manage a large business that has been around for many years. In all of these circumstances a business credit report can help you grow your business. A business credit report is crucial when it comes to making financial decisions and ultimately running a financially successful enterprise. In fact, a business credit report is just as important as a personal credit report and, similar to a personal credit report, it can make or break your business.

     

    A loan is usually necessary for the growth and development of any business and, for those just starting out in business, borrowing money is vital for the business to function from one day to the next - that is, until the business begins to show a profit. Whether you are approved for a loan could well be determined by the information listed on your business credit report. You will be eligible to receive better loan terms and rates if your business credit is good, so being aware of this and staying on top of your business credit report can be key to the survival of your business .

     

    We have conducted a review of the best business credit report services to assist businesses in choosing a company that is capable of providing them with not only a business credit report but additional business credit services as well. In our opinion, Ansonia Credit Data is a top-quality business credit report company.

     

    What to Look for in a Business Credit Report

     

    Your Business Credit Score is determined the same way as your personal credit score. Your financial information, which includes information from lenders and suppliers, background information and legal filings, all help determine your business credit score. Your personal credit score contains information very similar to a Business Credit Score, however, this information is reported differently: a personal credit score is reported on a scale from 300 to 850; whereas a Business Credit Score is reported from 0 to 100.

     

    Generally, business credit report companies do much the same thing: they provide you with a business credit report which enables you to make informed financial decisions regarding your business. In addition, these companies also provide other business credit services, and the following criteria were taken into consideration when reviewing these business credit report companies -

     

    Business Credit Report Content

     

    The content contained within the business credit report is crucial when it comes to understanding what is affecting your credit score and your overall credit caliber. You should expect your business credit report to detail as much information as possible about the credit of your company. For example, the history and relevant information concerning your company should be included, together with the risk score. Also included should be risk factors, payment information, financial background, financial relationships, collection history and filings, and any inquiries that may have been made about your Business Credit Report.

     

    Credit Monitoring

     

    Similar to your personal credit score, your business credit score can alter very quickly, which explains why it is so important that you monitor your business credit. A good business credit reporting company will offer a variety of credit monitoring services to help you stay on top of what is showing on your Business Credit Report, in addition to determining if the information included is actually correct.

     

    A good business credit reporting company will offer credit monitoring features, like picking up any major changes to your credit or any fraudulent activity, in addition to information regarding enquiries from others about your business credit report.

     

    Identity Fraud Prevention

     

    Identity fraud is not only a problem that concerns individuals, it is also a problem for businesses. Crucial to protecting your credit score and preventing fraud is the protection of the identity of your business . A good business credit reporting company will offer identity fraud protection services, in addition to offering a business credit report. The services might include educational materials and identity protection that will ensure your business is protected from identity fraud.

     

    Business Solutions

     

    The best business credit report companies are capable of providing other business solutions to financially assist your business. Such as receivables portfolio management analysis.

     

    Help & Support

     

    It is very important that you receive help and support when you need it, particularly when it concerns your business credit report. For starters, in order to make correct financial decisions, you need to be able to read and understand exactly what your business credit report says about your business. You should have easy access to your A business credit report company, through email, telephone and an online contact form. In addition, you should have access to pertinent resources such as educational articles, and Frequently Asked Questions.

     

    A business credit report will assist you in making smart financial decisions, regardless of the size of your business. Simply understanding what your business credit report contains offers amazing peace of mind when applying for a business loan. Of course, additional business credit report services are extremely advantageous when they offer protection for the identity of your business and assist by monitoring your business credit.

     

     

    "

     

    Background on the Construction Industry

     

    About Construction

     

    Construction is the process of constructing a building or infrastructure. Construction differs from manufacturing in that manufacturing typically involves mass production of similar items without a designated purchaser, while construction typically takes place on location for a known client. Construction as an industry comprises six to nine percent of the gross domestic product of developed countries. Construction starts with planning,design, and financing and continues until the project is built and ready for use.

     

    Large-scale construction requires collaboration across multiple disciplines. An architect normally manages the job, and a construction manager, design engineer, construction engineer or project manager supervises it. For the successful execution of a project, effective planning is essential. Those involved with the design and execution of the infrastructure in question must consider zoning requirements, the environmental impact of the job, the successful scheduling, budgeting, construction- site safety, availability and transportation of building materials, logistics, inconvenience to the public caused by construction delays and bidding, etc. The largest construction projects are referred to as megaprojects.

     

    Types of construction

     

    In general, there are three sectors of construction: buildings, infrastructure and industrial. Building construction is usually further divided into residential and non-residential (commercial/institutional). Infrastructure is often called heavy/highway, heavy civil or heavy engineering. It includes large public works, dams, bridges, highways, water/wastewater and utility distribution. Industrial includes refineries, process chemical, power generation, mills and manufacturing plants. There are other ways to break the industry into sectors or markets.

     

    Engineering News-Record (ENR) is a trade magazine for the construction industry. Each year, ENR compiles and reports on data about the size of design and construction companies. They publish a list of the largest companies in the United States (Top-40) and also a list the largest global firms (Top-250, by amount of work they are doing outside their home country). In 2014, ENR compiled the data in nine market segments. It was divided as transportation, petroleum, buildings, power, industrial, water, manufacturing, sewer/waste, telecom, hazardous waste plus a tenth category for other projects. In their reporting on the Top 400, they used data on transportation, sewer, hazardous waste and water to rank firms as heavy contractors.

     

    The Standard Industrial Classification and the newer North American Industry Classification System have a classification system for companies that perform or otherwise engage in construction. To recognize the differences of companies in this sector, it is divided into three subsectors: building construction, heavy and civil engineering construction, and specialty trade contractors. There are also categories for construction service firms (e.g., engineering, architecture) and construction managers (firms engaged in managing construction projects without assuming direct financial responsibility for completion of the construction project).

     

    Building construction

     

    Building construction is the process of adding structure to real property or construction of buildings. The majority of building construction jobs are small renovations, such as addition of a room, or renovation of a bathroom. Often, the owner of the property acts as laborer, paymaster, and design team for the entire project. Although building construction projects typically include various common elements, such as design, financial, estimating and legal considerations, many projects of varying sizes reach undesirable end results, such as structural collapse, cost overruns, and/or litigation. For this reason, those with experience in the field make detailed plans and maintain careful oversight during the project to ensure a positive outcome.

     

    Commercial building construction is procured privately or publicly utilizing various delivery methodologies, including cost estimating, hard bid, negotiated price, traditional, management contracting, construction management-at-risk, design & build and design-build bridging.

     

    Residential construction practices, technologies, and resources must conform to local building authority regulations and codes of practice. Materials readily available in the area generally dictate the construction materials used (e.g. brick versus stone, versus timber). Cost of construction on a per square meter (or per square foot) basis for houses can vary dramatically based on site conditions, local regulations, economies of scale (custom designed homes are often more expensive to build) and the availability of skilled tradespeople. As residential construction (as well as all other types of construction) can generate a lot of waste, careful planning again is needed here.

     

    Residential construction

     

    The most popular method of residential construction in North America is wood-framed construction. Typical construction steps for a single-family or small multi-family house are:

     

    Develop floor plans and obtain a materials list for estimations (more recently performed with estimating software)
    Obtain government building approval if necessary
    Clear the building site
    Survey to stake out for the foundation
    Excavate the foundation and dig footers.
    Pour a foundation and footers with concrete
    Build the main load-bearing structure out of thick pieces of wood and possibly metal I-beams for large spans with few supports.
    Add floor and ceiling joists and install subfloor panels
    Cover outer walls and roof in OSB or plywood and a water-resistive barrier.
    Install roof shingles or other covering for flat roof
    Cover the walls with siding, typically vinyl, wood, or brick veneer but possibly stone or other materials Install windows
    Frame interior walls with wooden 2x4s
    Add internal plumbing, HVAC, electrical, and natural gas utilities
    Building inspector visits if necessary to approve utilities and framing
    Install insulation and interior drywall panels (cementboard for wet areas) and to complete walls and ceilings Install bathroom fixtures
    Spackle, prime, and paint interior walls and ceilings
    Additional tiling on top of cementboard for wet areas, such as the bathroom and kitchen backsplash Install final floor covering, such as floor tile, carpet, or wood flooring
    Install major appliances
    Unless the original owners are building the house, at this point it is typically sold or rented.

     

    New construction techniques and sustainability

     

    As efficiency codes have come into effect in recent years, new construction technologies and methods have emerged. University Construction Management departments are on the cutting edge of the newest methods of construction intended to improve efficiency, performance and reduce construction waste.

     

    New techniques of building construction are being researched, made possible by advances in 3D printing technology. In a form of additive building construction, similar to the additive manufacturing techniques for manufactured parts, building printing is making it possible to flexibly construct small commercial buildings and private habitations in around 20 hours, with built-in plumbing and electrical facilities, in one continuous build, using large 3D printers. Working versions of 3D-printing building technology are already printing 2 metres (6 ft 7 in) of building material per hour as of January 2013, with the next- generation printers capable of 3.5 metres (11 ft) per hour, sufficient to complete a building in a week. Dutch architect Janjaap Ruijssenaars's performative architecture 3D-printed building is scheduled to be built in 2014.

     

    In the current trend of sustainable construction, the recent movements of New Urbanism and New Classical Architecture promote a sustainable approach towards construction, that appreciates and develops smart growth, architectural tradition and classical design. This is in contrast to modernist and short-lived globally uniform architecture, as well as opposing solitary housing estates and suburban sprawl. Both trends started in the 1980s.

     

    The construction site may be shut down due to bad weather. Erecting scaffolded tents over the site may reduce the number of lost work days, increasing productivity.

     

    Design team

     

    In the modern industrialized world, construction usually involves the translation of designs into reality. A formal design team may be assembled to plan the physical proceedings, and to integrate those proceedings with the other parts. The design usually consists of drawings and specifications, usually prepared by a design team including Architect, civil engineers, mechanical engineers, electrical engineers, structural engineers, fire protection engineers, planning consultants, architectural consultants, and archaeological consultants. The design team is most commonly employed by (i.e. in contract with) the property owner. Under this system, once the design is completed by the design team, a number of construction companies or construction management companies may then be asked to make a bid for the work, either based directly on the design, or on the basis of drawings and a bill of quantities provided by a quantity surveyor. Following evaluation of bids, the owner typically awards a contract to the most cost efficient bidder.

     

    The modern trend in design is toward integration of previously separated specialties, especially among large firms. In the past, architects, interior designers, engineers, developers, construction managers, and general contractors were more likely to be entirely separate companies, even in the larger firms. Presently, a firm that is nominally an "architecture" or "construction management" firm may have experts from all related fields as employees, or to have an associated company that provides each necessary skill. Thus, each such firm may offer itself as "one-stop shopping" for a construction project, from beginning to end. This is designated as a "design build" contract where the contractor is given a performance specification and must undertake the project from design to construction, while adhering to the performance specifications.

     

    Several project structures can assist the owner in this integration, including design-build, partnering and construction management. In general, each of these project structures allows the owner to integrate the services of architects, interior designers, engineers and constructors throughout design and construction. In response, many companies are growing beyond traditional offerings of design or construction services alone and are placing more emphasis on establishing relationships with other necessary participants through the design-build process.

     

    The increasing complexity of construction projects creates the need for design professionals trained in all phases of the project's life-cycle and develop an appreciation of the building as an advanced technological system requiring close integration of many sub-systems and their individual components, including sustainability. Building engineering is an emerging discipline that attempts to meet this new challenge.

     

    North American Industry Classification System For Construction

    The construction sector is part of the goods-producing industries supersector group.

     

    The construction sector comprises establishments primarily engaged in the construction of buildings or engineering projects (e.g., highways and utility systems). Establishments primarily engaged in the preparation of sites for new construction and establishments primarily engaged in subdividing land for sale as building sites also are included in this sector.

     

    Construction work done may include new work, additions, alterations, or maintenance and repairs. Activities of these establishments generally are managed at a fixed place of business, but they usually perform construction activities at multiple project sites. Production responsibilities for establishments in this sector are usually specified in (1) contracts with the owners of construction projects (prime contracts) or (2) contracts with other construction establishments (subcontracts).

     

    The construction of buildings subsector is part of the construction sector.

     

    The Construction of Buildings subsector comprises establishments primarily responsible for the construction of buildings. The work performed may include new work, additions, alterations, or maintenance and repairs. The on-site assembly of precut, panelized, and prefabricated buildings and construction of temporary buildings are included in this subsector. Part or all of the production work for which the establishments in this subsector have responsibility may be subcontracted to other construction establishments—usually specialty trade contractors.

     

    The construction of buildings subsector consists of these industry groups:

     

    Residential Building Construction: NAICS 2361

     

    This industry comprises establishments primarily responsible for the construction or remodeling and renovation of single- family and multifamily residential buildings. Included in this industry are residential housing general contractors (i.e., new construction, remodeling, or renovating existing residential structures), for-sale builders and remodelers of residential structures, residential project construction management firms, and residential design-build firms.

     

    Nonresidential Building Construction: NAICS 2362

     

    This industry group comprises establishments primarily responsible for the construction (including new work, additions, alterations, maintenance, and repairs) of nonresidential buildings. This industry group includes nonresidential general contractors, nonresidential for-sale builders, nonresidential design-build firms, and nonresidential project construction management firms.

     

    About the Heavy and Civil Engineering Construction subsector

     

    The heavy and civil engineering construction subsector is part of the construction sector.

     

    The Heavy and Civil Engineering Construction subsector comprises establishments whose primary activity is the construction of entire engineering projects (e.g., highways and dams), and specialty trade contractors, whose primary activity is the production of a specific component for such projects. Specialty trade contractors in Heavy and Civil Engineering Construction generally are performing activities that are specific to heavy and civil engineering construction projects and are not normally performed on buildings. The work performed may include new work, additions, alterations, or maintenance and repairs.

     

    The heavy and civil engineering construction subsector consists of these industry groups:

     

    Utility System Construction: NAICS 2371

     

    This industry group comprises establishments primarily engaged in the construction of distribution lines and related buildings and structures for utilities (i.e., water, sewer, petroleum, gas, power, and communication). All structures (including buildings) that are integral parts of utility systems (e.g., storage tanks, pumping stations, power plants, and refineries) are included in this industry group.

     

    Land Subdivision: NAICS 2372

     

    This industry comprises establishments primarily engaged in servicing land and subdividing real property into lots, for subsequent sale to builders. Servicing of land may include excavation work for the installation of roads and utility lines. The extent of work may vary from project to project. Land subdivision precedes building activity and the subsequent building is often residential, but may also be commercial tracts and industrial parks. These establishments may do all the work themselves or subcontract the work to others. Establishments that perform only the legal subdivision of land are not included in this industry.

     

    Highway, Street, and Bridge Construction: NAICS 2373

     

    This industry comprises establishments primarily engaged in the construction of highways (including elevated), streets, roads, airport runways, public sidewalks, or bridges. The work performed may include new work, reconstruction, rehabilitation, and repairs. Specialty trade contractors are included in this group if they are engaged in activities primarily related to highway, street, and bridge construction (e.g., installing guardrails on highways).

     

    Illustrative Examples:

     

    Airport runway construction
    Highway line painting
    Causeway construction
    Painting traffic lanes or parking lot lines
    Culverts, highway, road, and street, construction
    Pothole filling, highway, road, street, or bridge
    Elevated highway construction
    Resurfacing, highway, road, street, or bridge
    Guardrail construction
    Sign erection, highway, road, street, or bridge

     

    Other Heavy and Civil Engineering Construction: NAICS 2379

     

    This industry comprises establishments primarily engaged in heavy and engineering construction projects (excluding highway, street, bridge, and distribution line construction). The work performed may include new work, reconstruction, rehabilitation, and repairs. Specialty trade contractors are included in this group if they are engaged in activities primarily related to engineering construction projects (excluding highway, street, bridge, distribution line, oil and gas structure, and utilities building and structure construction). Construction projects involving water resources (e.g., dredging and land drainage), development of marine facilities, and projects involving open space improvement (e.g., parks and trails) are included in this industry.

     

    Illustrative Examples:

     

    Channel construction
    Land drainage contractors
    Dam construction
    Marine construction
    Dock construction
    Microtunneling contractors
    Dredging (e.g., canal, channel, ditch, waterway)
    Nuclear waste disposal site construction
    Earth retention system construction
    Park ground and recreational open space improvement construction
    Flood control project construction
    Railroad construction
    Golf course construction
    Subway construction
    Horizontal drilling (e.g., cable, pipeline, sewer installation)
    Trenching, underwater
    Hydroelectric generating station construction
    Tunnel construction

     

    About the Specialty Trade Contractors subsector

     

    The specialty trade contractors subsector is part of the construction sector.

     

    The Specialty Trade Contractors subsector comprises establishments whose primary activity is performing specific activities (e.g., pouring concrete, site preparation, plumbing, painting, and electrical work) involved in building construction or other activities that are similar for all types of construction, but that are not responsible for the entire project. The work performed may include new work, additions, alterations, maintenance, and repairs. The production work performed by establishments in this subsector is usually subcontracted from establishments of the general contractor type or operative builders, but especially in remodeling and repair construction, work also may be done directly for the owner of the property. Specialty trade contractors usually perform most of their work at the construction site, although they may have shops where they perform prefabrication and other work. Establishments primarily engaged in preparing sites for new construction are also included in this subsector.

     

    The specialty trade contractors subsector consists of these industry groups:

     

    Foundation, Structure, and Building Exterior Contractors: NAICS 2381

     

    This industry group comprises establishments primarily engaged in the specialty trades needed to complete the basic structure (i.e., foundation, frame, and shell) of buildings. The work performed may include new work, additions, alterations, maintenance, and repairs.

     

    Building Equipment Contractors: NAICS 2382

     

    This industry group comprises establishments primarily engaged in installing or servicing equipment that forms part of a building mechanical system (e.g., electricity, water, heating, and cooling). The work performed may include new work, additions, alterations, maintenance, and repairs. Contractors installing specialized building equipment, such as elevators, escalators, service station equipment, and central vacuum cleaning systems are also included.

     

    Building Finishing Contractors: NAICS 2383

     

    This industry group comprises establishments primarily engaged in the specialty trades needed to finish buildings. The work performed may include new work, additions, alterations, maintenance, and repairs.

     

    Other Specialty Trade Contractors: NAICS 2389

     

    Illustrative Examples:

     

    Blasting, building demolition
    Foundation digging (i.e., excavation)
    Concrete breaking and cutting for demolition
    Foundation drilling contractors
    Cutting new rights of way
    Grading construction sites
    Demolition, building and structure
    Line slashing or cutting (except maintenance)
    Dewatering contractors
    Septic system contractors
    Dirt moving for construction
    Trenching (except underwater)
    Equipment rental (except crane), construction, with operator
    Underground tank (except hazardous) removal
    Excavating, earthmoving, or land clearing contractors
    Wrecking, building or other structure

     

    NAICS Classification For The Construction Industry

     

     

    236 Construction of Buildings
    2361 Residential Building Construction
    23611 Residential Building Construction
    236115 New Single-Family Housing Construction (except For-Sale Builders)
    236116 New Multifamily Housing Construction (except For-Sale Builders)
    236117 New Housing For-Sale Builders
    236118 Residential Remodelers
    2362 Nonresidential Building Construction
    23621 Industrial Building Construction
    236210 Industrial Building Construction
    23622 Commercial and Institutional Building Construction
    236220 Commercial and Institutional Building Construction
    237 Heavy and Civil Engineering Construction
    2371 Utility System Construction
    23711 Water and Sewer Line and Related Structures Construction
    237110 Water and Sewer Line and Related Structures Construction
    23712 Oil and Gas Pipeline and Related Structures Construction
    237120 Oil and Gas Pipeline and Related Structures Construction
    23713 Power and Communication Line and Related Structures Construction
    237130 Power and Communication Line and Related Structures Construction
    2372 Land Subdivision
    23721 Land Subdivision
    237210 Land Subdivision
    2373 Highway, Street, and Bridge Construction
    23731 Highway, Street, and Bridge Construction
    237310 Highway, Street, and Bridge Construction
    2379 Other Heavy and Civil Engineering Construction
    23799 Other Heavy and Civil Engineering Construction
    237990 Other Heavy and Civil Engineering Construction
    238 Specialty Trade Contractors
    2381 Foundation, Structure, and Building Exterior Contractors
    23811 Poured Concrete Foundation and Structure Contractors
    238110 Poured Concrete Foundation and Structure Contractors
    23812 Structural Steel and Precast Concrete Contractors
    238120 Structural Steel and Precast Concrete Contractors
    23813 Framing Contractors
    238130 Framing Contractors
    23814 Masonry Contractors
    238140 Masonry Contractors
    23815 Glass and Glazing Contractors
    238150 Glass and Glazing Contractors
    23816 Roofing Contractors
    238160 Roofing Contractors
    23817 Siding Contractors
    238170 Siding Contractors
    23819 Other Foundation, Structure, and Building Exterior Contractors
    238190 Other Foundation, Structure, and Building Exterior Contractors
    2382 Building Equipment Contractors
    23821 Electrical Contractors and Other Wiring Installation Contractors
    238210 Electrical Contractors and Other Wiring Installation Contractors
    23822 Plumbing, Heating, and Air-Conditioning Contractors
    238220 Plumbing, Heating, and Air-Conditioning Contractors
    23829 Other Building Equipment Contractors
    238290 Other Building Equipment Contractors
    2383 Building Finishing Contractors
    23831 Drywall and Insulation Contractors
    238310 Drywall and Insulation Contractors
    23832 Painting and Wall Covering Contractors
    238320 Painting and Wall Covering Contractors
    23833 Flooring Contractors
    238330 Flooring Contractors
    23834 Tile and Terrazzo Contractors
    238340 Tile and Terrazzo Contractors
    23835 Finish Carpentry Contractors
    238350 Finish Carpentry Contractors
    23839 Other Building Finishing Contractors
    238390 Other Building Finishing Contractors
    2389 Other Specialty Trade Contractors
    23891 Site Preparation Contractors
    238910 Site Preparation Contractors
    23899 All Other Specialty Trade Contractors
    238990 All Other Specialty Trade Contractors


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