Credit isn't a silo.
It's a network.
You know how they pay you. You have no idea how they pay everyone else, and that is where the write-off comes from.
- Always free: share a payment record, get a rating
- FreeAlways free: share a payment record, get a rating
- Payment bands reported by other suppliers
- 6Payment bands reported by other suppliers
- Access to every report you order
- 12 moAccess to every report you order
Decisions in seconds.
Evidence on demand.
Every company gets a CBID: a permanent, verified identity. Rating, payment history and limit decisions all sit on one record, so two people looking up the same customer see the same file.
- Rating scale
- 10–100Rating scale
- Payment bands
- 6Payment bands
- Report access
- 12 moReport access
Credit rating
80Good
MERIDIAN TRADING LLC · Dubai, AE
Discretionary limit
USD 250,000
Failed · 10 → 100 · Outstanding
How they pay other suppliers
87%
On time or better
11
Avg days late
9
Suppliers reporting
- Consistently on time62%
- Occasional delays25%
- Frequent delays13%
- Significant delays0%
- Chronic non-payment0%
- In default0%
Illustration · example company and figures
A rating tells you about one company. The network tells you who to call.
- 2-wayVerified connectionsBoth sides confirm the link
- 1:1Message a named personDirect or group, files attached
- BothCredit limits, both waysYou ask, and you approve
- 11Badge tiersStanding that grows with your network
Illustration · example companies
Four depths. One verified record.
Start free by contributing what you already know, then go deeper only on the names where the exposure justifies it.
iFlash
Freefor one payment recordThe full rating, in exchange for what you already know.
- Credit rating & outlook
- Discretionary credit limit
- Analyst-reviewed before it unlocks
- Analyst executive summary
- Five assessed risk areas, each with written rationale
- Financial statements & key ratios
- Ownership structure & key management
- Payment observations
- 30 daysAccess window
Flash
50credits per reportThe rating, on its own.
- Credit rating & outlook
- Discretionary credit limit
- Analyst-reviewed before it unlocks
- Analyst executive summary
- Five assessed risk areas, each with written rationale
- Financial statements & key ratios
- Ownership structure & key management
- Payment observations
- 12 monthsAccess window
Flash+
75credits per reportThe rating, plus the argument.
- Credit rating & outlook
- Discretionary credit limit
- Analyst-reviewed before it unlocks
- Analyst executive summary
- Five assessed risk areas, each with written rationale
- Financial statements & key ratios
- Ownership structure & key management
- Payment observations
- 12 monthsAccess window
Full 360
160credits per reportThe whole file.
- Credit rating & outlook
- Discretionary credit limit
- Analyst-reviewed before it unlocks
- Analyst executive summary
- Five assessed risk areas, each with written rationale
- Financial statements & key ratios
- Ownership structure & key management
- Payment observations
- 12 monthsAccess window
Charged against your credit balance: 1 credit = USD 1. VAT is applied when you buy credits, not per report.
Standard configuration. A few sections can be varied per client, so your entitlements may differ; we confirm exactly what is included before you order.
Note CrediBar is not a registered rating agency. These products are commercial credit opinions and shall not be used for regulatory purposes.
Bring one customer you are unsure about.
Look it up on a real name you are deciding on right now. If the coverage is not there for your customers, we will tell you rather than sell you.
If you lend or extend credit
This reaches the team who can act on it, so you will usually get a call back. Looking for credit yourself? Request access is the faster route.
- You send this formTakes about a minute. Three short steps.
- We reply within one business dayA real person, with a time to suggest.
- If you asked for a demo, 25 minutesScreen shared, no deck. We look up names you actually trade with.
The questions your team will ask
If the answer is no, it says no.
Where does the payment data come from?
From suppliers trading with the same companies you do. Each submission is a creditor reporting their own experience (terms, exposure, and how that customer actually paid), and an analyst reviews it before it counts. You see the aggregate, never another supplier's ledger.
Do we have to share our own data to use it?
No. Every report can be bought outright. Contributing is how you get a rating free through iFlash, and how the network stays current, but it is always a choice, never a condition of access.
Will our customers see that we reported on them?
No. A company sees its own rating and the aggregate picture. It cannot see which suppliers contributed, or any individual submission.
Does IT need to install or connect anything?
No. It runs in the browser: no agent, no VPN, no connection to your ledger. There are no ERP or accounting integrations today; data moves by import and export.
Is CrediBar a credit rating agency?
No. CrediBar is not a registered rating agency and its products are not for regulatory use. They are commercial credit opinions, to inform your own trade-credit decisions.
- Your submission is never shown to the company you rated
- Role-based access, enforced on the server
- Verified fields change only after specialist review