Corporate Linkage enables you to make better credit decisions and identify up-sell and cross-sell opportunities by identifying relationships within a corporate family. Linkage provides:

• Information on the parent company and / or ultimate parent company
• Overall corporate exposure within a corporate family

Our linkage uses common identifiers such as branch, headquarter, subsidiary and parent to clearly identify the location, type and relationship and structure within a Corporate Family.  The linkage detail feature is available to anyone pulling credit reports within BusinessIQ.  Access permissions may vary based on your contract with us. For instance:

• Subscription – linkage detail available with all online credit report inquiries
• Pay as you go – linkage detail available with all Business Profile Report (BPR) inquiries

Do all businesses have linkage?

 All businesses that are members of a large business family have linkage.  A standalone business will not have linkage. A standalone business only has one location is not legally tied to another business.

Will linkage detail display the entire family tree?

 With larger family trees the linkage detail will display all subsidiaries.  Branch level information will not display in BusinessIQ, but can be downloaded by selecting the Print / Save button.

Why don’t all the locations within the family tree display a score risk band?

 Scores are always driven by headquarters’ information.  All information available at the branch level, including trade credit, collections and public record information, is aggregated to the headquarters information to ensures you receive a comprehensive view of credit risk.

Can I pull a report on one of the businesses within a business family?

 Yes, you can pull a credit report on headquarters, single location subsidiaries and the ultimate parent.  To pull a credit report, when searching for a business, simply click on the business name then select the report type you wish to review.

If I select “Alert me” what record will I monitor?

The record will be listed under the Account Information header. 

Credit Risk  — The credit risk band on a report uses the Intelliscore Plus score to show the likelihood of a business going seriously derogatory in the next 12 months.  The band is color coded to provide you a visual risk indicator.  Red = High Risk.  Green = Low Risk.

 Family Tree  — Refers to all the business linked within a corporate hierarchy

 Location Type — Identifies the business location type.  Every business will have one of the four location types listed below.

• Headquarters - A business with at least one additional branch.  A headquarters has financial responsibility for the branches.
• Single location subsidiary – A corporation with > 50% of its stock is owned by another corporation but without branches or subsidiaries.
• Branch - When a business has multiple locations, the secondary locations are known as branches.  In many cases, a branch may pay its own bills, but legal responsibility for the debt belongs to the headquarters.
• Standalone business - A single entity that is not part of a corporate family tree.

1. Linkage detail is available within the Portfolio tab.  To view the detail, select an account within an existing portfolio or make a new inquiry. 
2. Once in account view select the Linkage tab.
   
   
   
   
   
   
3. To Print/Save a report select the Print/Save button and follow the prompts.
4. To expand or collapse the entire family tree, select View Subsidiaries Only or View Branches. 
5. To expand or collapse a portion of the family tree, select the + or  - buttons located to the left of the business name.
   
   
   
   

Linkage detail displays the hierarchy of a corporate family.  The Legend provides a key to the information in the detail.  The information includes:

1. Location Type identifiers - Each location type will receive an indicator to help understand the corporate structure.
2. Credit Risk Indicator – Is available at the Ultimate, Headquarter and Single location subsidiaries levels. Is located directly over the Business Identification Number (BIN).
3. Activity Indicator – Identities whether a particular location is active.