TRUSTBUREAU
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An AI commercial credit bureau

The credit file on every American business.

One pull returns the record — registrations, public-record risk, contributed tradelines, litigation and verified cash flow — read from primary sources by AI and scored on a rubric an underwriter can defend line by line.

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34M+US entities indexed
9registries per pull
<60sfresh file, any subject
TRUSTBUREAU FILETB-2026-215945
100/100
Grade A
Meridian Coastal Provisions LLC
Denver, CO · Food service · Est. 1995 · small tier
  • State registrationActive · verified
  • TradelinesClear · 0 derogatory
  • Litigation, 3 yr0 · within band
  • Sanctions & debarmentScreened clean
  • Standing96th percentile
TrustScore v1.0Not a consumer report
Specimen file · synthetic subject
Secretary of State registriesUCC-1 filingsFederal court docketsContributed tradelines OFAC sanctionsSAM.gov debarmentFMCSA carrier safetyCMS provider registryBank-verified cash flow
Who it's for

Two sides of the same file.

The same underlying record, presented for the person reading it. A lender needs risk surfaced first and evidence they can defend. An owner needs to know where they stand and exactly what to fix.

For lenders & underwritersDecide faster, and defend the decision
  • Adverse findings firstDerogatory tradelines, bankruptcies, confessions of judgment and MCA breaches surface at the top — never buried.
  • Verification gaps stated plainlyWe tell you what we could not confirm, so a thin file never reads as a clean one.
  • Size-aware litigationCase volume is judged against the expected band for a business that size — a national carrier isn't punished for being sued.
  • Every finding traceableDrill from any line to the primary record: the docket, the registry entry, the sanctions search.
  • API and batchPull at intake, re-score at renewal, monitor the book in between.
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For business ownersKnow your file before a lender pulls it
  • See exactly what lenders seeThe same file a funder pulls on you, in plain language.
  • A plan to improve your scoreEvery opportunity with its exact point value and how to earn it — "verify your state registration, +15."
  • Know where you standYour percentile against comparable small businesses, not a number without context.
  • Share it as a credentialSend a lender a live link to your file instead of arguing about your paperwork.
  • Catch problems earlyFind the mismatched registration or stray court record before it costs you a deal.
Check my business
The file

Six classes of evidence, pulled fresh.

Not a stale database row — an investigation run at request time, against primary sources, with every finding cited.

EXHIBIT 01

Identity & registration

Legal name resolution, DBA mapping, Secretary of State standing, officers, registered agents and incorporation history.

EXHIBIT 02

Public-record risk

UCC-1 positions and terminations, tax liens, judgments, bankruptcies and federal dockets — the stacking picture others miss.

EXHIBIT 03

Contributed tradelines

Payment performance, defaults and slow-pays reported by the funders who actually hold the paper. Give-to-get access.

EXHIBIT 04

Verified cash flow

Bank-statement intelligence — true revenue, balances, NSF days, existing debt service — with forensics that flag tampered documents.

EXHIBIT 05

Digital footprint

Verified website and domain tenure, review standing, licensing and adverse media. The signals that catch shells and resurrections.

EXHIBIT 06

TrustScore

One 0–100 score computed from the exhibits by a fixed rubric, with reason codes on every point.

TrustScore

A score you can defend, not a black box.

The AI reads the record and classifies what it finds. The score itself is computed in code from a published rubric — so the same evidence always produces the same number, and every point traces to a source.

100
Grade A · 96th percentile
  • RegistryRegistration verified active with the state+15
  • RegistryFederal registry confirms active operations+12
  • AgeIn business 29+ years+10
  • TradelineClean contributed record — no derogatories+5
  • LitigationWithin the expected band for its size0
  • SanctionsOFAC and federal debarment screened clean+8
API & monitoring

One call. The whole file.

Wire TrustBureau into your LOS, CRM or submission flow. Pull at intake, re-score at renewal, and let monitoring watch the book in between.

  • REST API — the file, score and every exhibit as structured data.
  • Monitoring — alerts on new UCCs, judgments and network defaults across your portfolio.
  • Batch — score an entire pipeline overnight.
  • Cited evidence — every field links to the primary record behind it.
POST api.trustbureau.ai/v1/files
{
  "file_no":      "TB-2026-215945",
  "subject":      "MERIDIAN COASTAL PROVISIONS LLC",
  "trust_score":  100,
  "grade":        "A",
  "rubric":       "TrustScore v1.0",
  "size_tier":    "small",
  "adverse":      [],
  "gaps":         ["no public rating located"],
  "reason_codes": [ … 7 factors … ],
  "exhibits":     "…/files/TB-2026-215945"
}
Founding cohort · Fall 2026

The file on every business.
Written by machines. Defensible by you.

We're onboarding a founding cohort of funders, brokers and platforms — and opening owner accounts alongside them.

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