Business Risk Indicators for SmartLinx Business Report

The SmartLinx® Business Report can return business risk indicators.

The SmartLinx Business Insights risk indices display one of the following risk statuses: Low Risk (green), Moderate Risk (yellow), or Elevated Risk (red). The status is determined by the following rules:

  • If any high-risk indicators are present, then the status is Elevated Risk (red).
  • If no high-risk indicators are present, but six or more risk indicators are present, then the status is Elevated Risk (red).
  • If no high-risk indicators are present, but 4–5 risk indicators are present, then the status is Moderate Risk (yellow).
  • If no high-risk indicators are present, but 0–3 risk indicators are present, then the status is Low Risk (green).
note.pngPositive indicators provide additional information, but do not affect the status of the index.

The following table lists all of the possible business risk indicators, the associated category, a description of the indicator, and possible actions.

Business Risk Indicators
Indicator Category Description Actions
Business is government debarred High Risk Indicators The business is government debarred.
Business has foreclosure or notice of default record on file High Risk Indicators One or more foreclosure or notice of default on a real property is on file. Click the indicator to navigate to the Real Property section of the report.
Business has bankruptcy record on file High Risk Indicators One or more bankruptcy records is on file. Click the indicator to navigate to the Bankruptcy section of the report.
Business has judgment or lien record on file in last 24 months High Risk Indicators One or more judgment or lien records is on file in last 24 months. Click the indicator to navigate to the Judgments & Liens section of the report.
Executive has derogatory record on file High Risk Indicators One or more connected persons that is an executive at the business has at least one derogatory record (criminal conviction, sexual offense, bankruptcy, lien, judgment, foreclosure, or notice of default) on file. Click the indicator to navigate to the Associates section of the report.
Business is in a high risk industry Risk Indicators The business is in a high-risk industry based on the Business Industry attribute in the LexisNexis® Due Diligence Business Report. Point to , and click to open a Due Diligence Business Report in a new window.
High business turnover at address Risk Indicators Over 80 percent of the businesses reported at this address in the last 12 months are defunct Point to , and click to run a Find a Business search using the best address for the business.
High judgment or lien count Risk Indicators The business has more than five combined liens or judgments on file (for all of time). Click the indicator to navigate to the Judgments & Liens section of the report.
Business to business delinquency Risk Indicators The business has one or more business to business delinquencies on file.
note.pngThis risk indicator is only returned in portal web applications and is not available through XML.
Point to , and click to open a LexisNexis® Small Business Credit Report in a new window.
Non-executive has derogatory record on file Risk Indicators One or more connected persons that is not an executive at the business has at least one derogatory record (criminal conviction, sexual offense, bankruptcy, lien, judgment, foreclosure, or notice of default) on file. Click the indicator to navigate to the Associates section of the report.
Business has no revenue on file Risk Indicators No evidence of annual sales is on file.
Business has no real property on file Risk Indicators No current or prior real property is on file. Click the indicator to navigate to the Real Property section of the report.
Business has no assets on file Risk Indicators No current or prior assets (motor vehicles, watercraft, or aircraft) are on file. Click the indicator to navigate to the Personal Property section of the report.
Recent UCC activity on file Risk Indicators A UCC (uniform commercial code) record is on file in the past 12 months. Click the indicator to navigate to the UCC Liens section of the report.
Business located in high crime location Risk Indicators The business is located in a high-crime location based on the geographic attribute in the Due Diligence Business Report. Point to , and click to open a Due Diligence Business Report in a new window.
Address tied to PO Box Risk Indicators The best address is a PO Box. Click the indicator to navigate to the Summary section of the report.
Address tied to residential address Risk Indicators The best address is listed as a residential address. Click the indicator to navigate to the Summary section of the report.
Business has new location Risk Indicators The business has a new location that was reported within the past 12 months. Click the indicator to navigate to the Operating Locations section of the report.
Business has no evidence of derogatory records on file Positive Indicators No bankruptcy, judgment, lien, or UCC records are on file, and no connected people have bankruptcy, judgment, lien, or criminal records on file. Click the indicator to navigate to the Bankruptcy section of the report.
Business has current real property on file Positive Indicators More than one current real property record that is not in foreclosure or default is on file. Click the indicator to navigate to the Real Property section of the report.
Business has current assets on file Positive Indicators More than one current asset record (motor vehicle, watercraft, or aircraft) is on file. Click the indicator to navigate to the Personal Property section of the report.
Business has evidence of revenue on file Positive Indicators Evidence of annual sales greater than $0 is on file.
Address tied to business address Positive Indicators The best address is listed as a business address.
Business has evidence of high revenue on file Positive Indicators Evidence of annual sales greater than $1 million is on file.