Ask the bank. Not just the bureau.
A bank confirmation from your Canadian customer's own bank or credit union — the one answer no credit report contains — with trade reference checks and a branded credit application on your website. One signed consent, one decision-ready PDF.
Entity name
Northwood Logistics Ltd.
Confirming institution
Maple Ridge Credit Union
Average daily balance (90d)
$142,500.00 CAD
NSF items (last 12 months)
0
Bank confirmed · consent v1.2
Authorization e-signed
Dana Whitfield · CFO
Response received
Secure banker portal
Illustrative demo file. All names and figures are fictional.
Canada-only, deliberately
Institution numbers, branch transits, credit unions, provincial and federal registries — not a US product with a Canada checkbox bolted on.
See it on a live file
Book a walkthrough with our team and we'll set your workspace up with you.
Book a demoThe bank answer is the point
Not an add-on module. Account standing, conduct, borrowing and NSF history, asked on signed consent.
Trade references, answered
Their suppliers each answer a secure questionnaire: high credit, balance, days to pay, NSF history. No phone tag.
Days, not weeks
Typical file closes in about 2.4 business days, with roughly three hours of manual calling and filing removed per credit file.
CreditConfirm is not a bank, lender or credit bureau. We collect signed consent and factual answers — your team makes the credit decision.
—The difference
What a credit report won't tell you
Bureau data is worth having, and we bring it into the file. But it is assembled from registry filings and what other suppliers chose to report. Four things it structurally cannot answer — and all four sit with your customer's bank.
Compare the optionsWhether the account exists today
Registry filings and public records describe the company, not its banking. A confirmation comes from the institution actually holding the account.
How the account is conducted
Average balances, borrowing, security held and NSF history are known to the bank and to nobody else — including every bureau.
Your customer's explicit consent
A bureau pull happens without the applicant signing anything for you. A bank confirmation only moves after their signing officer verifies by one-time code and e-signs.
Anything current on a young business
A company incorporated eighteen months ago has almost no bureau file. Its bank has watched every deposit since day one.
01Who it's for
Built for the people who say yes to terms
If you are the credit manager, controller or owner who has to say yes or no to terms — at a Canadian business, or any company extending credit to a Canadian buyer — this is built for you. If a signature on a form is currently all that stands between you and thirty days of unsecured exposure, pick the industry that looks like yours.
02Start here
The credit application you already use, done properly
Send a branded link or drop the widget straight onto your website. Everything your customer enters becomes structured data you can act on — not a scan in a shared drive.
Your form, your branding
Business profile, owners, banking and suppliers — laid out the way your credit policy asks for it, with your logo and colours on every screen.
Fills itself in
Address, postal code, industry, bank, credit union and branch transit all autocomplete against Canadian data as your customer types.
Signed, not just submitted
The signing officer verifies with a one-time code and e-signs your terms and the consent to check their bank and suppliers. Out comes a PDF.
03Then verify
Checks that run off the signature you already have
Once the application is signed, the consent to contact their bank and their suppliers is already in the file. Add a check on the accounts where the exposure justifies it.
Bank confirmation
Ask your customer's bank or credit union the factual questions — account standing, conduct, borrowing and NSF history — with the signed consent attached.
Trade reference set
Their nominated suppliers each answer their own secure questionnaire: high credit, balance, days to pay, NSF history. No chasing, no phone tag.
Every check runs on the same signed authorization, so your customer signs once and your credit file assembles itself.
04Why CreditConfirm
It saves your credit manager days. It saves you the write-off.
Anyone can digitize a form. What matters is whether you can tell, before you ship, that the business is real, solvent, paying its other suppliers and signed for by someone with the authority to sign.
You see the risk, not just the paperwork
Every file carries a risk read: registry standing, how long the business has really operated, domain and email age, address plausibility, insolvency and security signals — flagged before you set a limit.
One decision file, not five tabs
Application, bank confirmation, trade references, verification checks and a recommended limit land in a single signed PDF your credit committee can read in two minutes.
Fraud gets caught at the door
Signing officers verify by one-time code, addresses and banks are matched against Canadian data, and anything that does not line up is surfaced instead of silently accepted.
Defensible when it goes wrong
Signed consent, versioned terms and an append-only audit trail. If an account ends up in collections, you can show exactly what was disclosed, by whom and when.
05How it works
Four steps. Only your team needs an account.
Step 1
You request
Start a credit application, bank confirmation or trade check in about two minutes. Address, bank and branch autofill.
Step 2
Customer authorizes
Their signing officer verifies with a one-time code, sees exactly what will be asked, and e-signs. No account needed.
Step 3
Bank or supplier responds
They answer through a secure expiring link — or simply reply by email. Both land in the right file automatically.
Step 4
You review and close
Confirm the reply, download the signed PDF, and keep an append-only audit trail for the credit file.
06Why it pays
One write-off costs more than years of checks
Terms get granted on a signature nobody verified, to a business nobody looked up. CreditConfirm puts a signed consent, a bank answer and supplier payment history behind the decision — and gives your credit manager their week back while it does it.
1 in 10
New commercial accounts that go bad are the ones nobody verified
2.4 days
Typical turnaround, instead of two to three weeks
3 hrs
Manual calling, faxing and filing removed per credit file
Figures are illustrative, based on a typical manual bank confirmation and three trade reference calls. CreditConfirm is not a bank, lender or credit bureau and does not make your credit decision.
07Questions
What CreditConfirm does, in plain terms
Run your next credit file on CreditConfirm
Create a workspace and send a real request today — your first 2 checks are free — or pick a time and we'll walk your team through a live file end to end.