Credit Risk Data Attributes | Business data and intelligence | Enigma
Credit Risk Data

The strongest signals on small business risk and resilience

Monitor and underwrite SMBs confidently with real-time data that details small business health, operations, and activities.

Mitigate risk and grow your portfolio amid economic change.

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Assess true creditworthiness

Get a clear picture of a business’s health with powerful indicators of distress and resilience, from industry to shipment volumes and early signs of downsizing.

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Identify Risk in Real-Time

With business viability changing more quickly than ever, we ensure our output is up to date to meet the pace of review needed by credit risk teams.

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From source to signal, instantly

We continuously research and integrate a broad range of data sources, from which our data scientists can derive valuable signal within days.

Data Catalog

Data
Description
A detailed breakdown of the industries and sub-industries that a business belongs to, based on Enigma’s industry taxonomy. Equivalent to a 4-6 digit NAICS code. Can signal how a business is impacted by the current economic environment.
Business operating status as open or closed as reported across web sources. Signals business distress. Example: Closed (web source 1, web source 2) [COMING SOON]
Flag of WARN Notice record, date of notice, and number of employees laid off. Signals business distress. Example: 1 WARN; 2020-3-15; 40 employees
Flag of bankruptcy record, specific bankruptcy code chapter, and date of filing. Signals business distress. Example: 1 Bankruptcy; Chapter 7; 2020-3-25
Flag of contract record, government level, agency, date, and amount. Signals business stability and resilience. Example: 1 Contract; New York City; Public Safety; 2020-01-24; $500,000
Operations Description - Industry Specific
Detail on the nature of a business’s operations specific to its industry. Can signal the impact of the current economic environment on a business. Example: Does the business do delivery or takeout? (Y/N)
SBA Loans
Flag of 7(a) or 504 Small Business Administration presence of loan records, number and value active, number and value charged off, loan status, and approval date. Example: 1 loan of $1M; Paid-In-Full; 2017-10-01. [COMING SOON]
Verification Score
Enigma's confidence that a business exists and is in good standing; computed using several verification components: data freshness, footprint, source and business activity; [0 -1]. This is a decision attribute.
International Shipment Imports
Listing of shipping country, week of year, and volume of shipments. Year-over-year comparison between 2019 and 2020. Signals business activity volume. Example: Germany; 2020-14; 2 Imports.
Getting Started

Accessing Enigma’s data is simple. Get our risk insights via API, through CSV upload, or by using our Google Sheets add-on.