Coverage figures are indicative of the aggregate reach of the third-party providers First Mile Labs orchestrates, not data First Mile Labs owns. Actual coverage depends on the vendors you connect and your own commercial terms with them.
Coverage by country →What to look for in credit-check software
Vendor-agnostic bureau access
No single credit bureau leads in every market. The major global bureaux and a long tail of local bureaux each have the strongest file in different jurisdictions and for different customer types. Credit-check software that ties you to one supplier leaves blind spots — and forces a costly migration if you ever change provider. Look for a platform that gives you access to a vendor-agnostic orchestration layer: one that lets you connect your own bureau credentials, route each jurisdiction to the bureau with the best coverage, and keep your existing commercial terms intact.
Business and consumer in one flow
A relationship rarely splits cleanly into "corporate" or "individual" — a business credit decision often depends on the personal credit standing of its directors and guarantors. Running business and consumer credit through separate tools fragments the picture and the audit trail. Effective credit-check software gives you access to both business and consumer scoring from a single orchestration layer, so the corporate file and the directors behind it are assessed together, on the same case, with the same evidence pack.
Configurable thresholds and signals
A raw credit score means little without policy around it. What counts as a low-score decline, a thin-file referral, or an adverse-payment flag varies by institution, product, and sector. Look for software that lets compliance and credit teams configure thresholds without writing code — low-score bands, failure-probability cut-offs, days-beyond-terms limits, and thin-file rules — so the same orchestrated bureau signal drives different actions for a high-street SME and a high-value corporate.
Credit signals wired into risk
A credit check that lands in a separate report does nothing for the onboarding decision. The value comes when the score, trade-payment history, and failure-probability signal feed the same risk engine that weighs sanctions, ownership, and jurisdiction. Look for credit-check software that pipes its output straight into your composite risk score and enhanced-due-diligence triggers — so a deteriorating credit profile flags the case for analyst attention automatically, at onboarding and on every monitoring cycle.
Audit-ready credit decisions
Credit decisions attract the same regulatory and conduct scrutiny as the rest of onboarding — particularly where affordability and fair-treatment rules apply. You need a complete, timestamped record of which bureau was queried, what it returned, which thresholds applied, and how the signal influenced the outcome. The best credit-check software captures this automatically, so every credit-driven approval, referral, or decline is reproducible and defensible long after the check was run.
Key capabilities
How it works
When a business or individual is onboarded, the platform determines whether a credit check is required based on your configuration.
The platform queries the appropriate credit bureau for the jurisdiction and returns a score, band, and supporting detail.
Score, trade-payment history, and failure-probability signals are evaluated against your configured thresholds and surfaced to analysts.
Credit signals feed the overall risk score and EDD triggers. A weak credit profile flags the case for analyst attention.
Credit checks for every customer type
Small and medium-sized businesses
SMEs are where credit risk bites hardest and where public data is thinnest. A small trading company can look healthy on paper while running months behind on supplier payments. Orchestrated access to the bureaux with the deepest small-business files — trade-payment history, days-beyond-terms detection, and failure-probability scoring — lets you assess an SME on real payment behaviour rather than registration data alone, and route each jurisdiction to the bureau that actually holds the file.
Large corporates and groups
Larger corporates carry richer credit files but also more complex structures — group exposures, intercompany trade, and multi-jurisdiction operations that a single national bureau cannot see. Access to a vendor-agnostic bureau network lets you pull the strongest corporate file for each entity and territory, combine business scoring with the same case and audit trail as the rest of onboarding, and surface a deteriorating group credit profile before it changes the risk of the relationship.
Consumers and personal guarantors
A business credit decision rarely stands on its own — it often turns on the personal credit standing of the directors and guarantors behind it. Access to consumer credit scoring within the same flow means the corporate file and the individuals who stand behind it are assessed together, on one case, with one evidence pack — so an affordability or guarantor decision is made on a complete picture rather than two disconnected reports.
Thin-file and newly formed entities
Newly incorporated companies and customers with little credit history are the hardest to score and the easiest to misjudge — too cautious and you decline good business, too lax and you take on hidden risk. Access to a range of bureaux and configurable thin-file rules lets you apply a proportionate policy: referring genuinely unscoreable cases for analyst review rather than auto-declining, while still catching the thin files that carry real adverse signals.
Why credit checks belong in onboarding
Credit risk is inseparable from financial-crime and onboarding risk. A business with a deteriorating credit profile, a history of late trade payments, or an elevated probability of failure changes the risk calculus of the relationship — yet credit checks are too often run in a separate system, on a separate timeline, by a separate team. First Mile Labs orchestrates business and consumer credit scoring directly into the onboarding and perpetual-monitoring flow: the same case, the same audit trail, the same risk engine. Rather than locking you into a single bureau, the platform provides access to best-in-class credit coverage across more than 200 countries and territories — connect your own bureau credentials or run on the platform's orchestrated access — so the credit signal that matters most for each jurisdiction reaches the decision in real time.
Also part of the platform
See Credit Checks in action
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