Risk Rating
Score SMB risk, no credit history required
Baselayer’s AI-native Risk Co.Pilot turns public records, behavioral patterns, and identity signals into actionable risk scores before financial underwriting begins.
Trusted by developers and industry leaders at 2,200+ financial institutions
Most SMBs lack complete credit histories, causing legacy scores to miss early risk signals.
AI-powered industry risk at onboarding
Baselayer infers industry classification based on web presence, business activity, and operational profile, filling gaps left by incomplete applications.
Intelligent credit risk detection
Identify multiple name variants and inquiry permutations tied to the same EIN or business name, a common signal of synthetic or bust-out fraud.
Monitor inquiry velocity across the network with AI
Track EIN-level search patterns across Baselayer’s identity graph to identify excessive or risky application activity.
Risk Co.Pilot verifies operational longevity
Leverage real-time Secretary of State filings and domestic registration data to confirm entity age and status without the manual work.
Insights and Intelligence
Inference-based validation of online presence
Agentic workflows continuously analyze domain age, website activity, and linked profiles, surfacing inconsistencies while remaining fully explainable and auditable.
AI-driven analysis of synthetic fraud and risk signals
Analyze business registration date against domain creation to surface shell entities, synthetic behavior, or credibility mismatches through adaptive pattern analysis.
Turn signals into AI-powered decisions
Product Managers
Credit & Underwriting Teams
Risk & Fraud Teams
Compliance Teams
A Risk Co.Pilot engineered to deliver fast, reliable decisions at scale
Accelerate your workflows through the most advanced enterprise-grade API and web application for uncovering KYB, credit, and fraud signals.
Tap into an AI-powered network to detect emerging fraud trends before they spread.
Combine public, proprietary and partner data sources together into Baselayer's superintelligent platform for predictive real-time insights.
Leverage AI and verified fraud intelligence from top financial institutions to make your first line of fraud defense your strongest.
Explore more ways to mitigate risk
Risk Co.Pilot connects litigation, liens, and digital footprint into a unified risk profile with AI-native risk scoring.
Liens (Searching & Filing)
Surface priority risk before approval.
Lawsuits & Bankruptcies
See legal risk before you approve.
Website Analysis
Instantly validate digital legitimacy.
Social Media & Reviews
Go deeper into businesses.
Have questions? Find answers.
It’s a real-time business risk score that helps you assess SMB creditworthiness, even when there’s not much financial history to go on. We use signals like operational activity, inquiry patterns, industry profile, and web presence to give you a fast, data-rich and actionable read on risk.
It plugs right into your onboarding and decisioning engine to give you a clear risk signal upfront. That means faster approvals, fewer manual reviews, and more confident automation, without the guesswork.
Most business credit scores lag behind or miss early-stage and thin-file businesses entirely. Baselayer’s Risk Rating updates in real time with industry-leading data freshness and coverage, flagging legal and operational risk even when credit data is limited or unavailable.
Many SMBs don’t show up on traditional credit models. Risk Rating helps you evaluate them anyway using public records, web activity, and shared fraud signals, so you can say yes more often without increasing risk.
Absolutely. Each score comes with a clear breakdown of the factors that influenced it, so your team always knows what’s driving the result.
We pull from public records, business registrations, digital footprint data (like domains and websites), and fraud signals from over 2,200 financial institutions to give you a complete picture of business risk.
