Chase Expands Digital Hub for Small Businesses with New Innovative Tools and Insights

Key Terms

business credit score financial

A business credit score is a single-number rating that summarizes a company’s track record of paying bills and managing debt, based on public records, vendor payments and borrowing history. Investors use it like a financial reliability score—similar to a person’s credit rating or a driver’s safety record—to gauge how risky lending to or investing in the company might be, and it can influence borrowing costs, supplier terms and growth prospects.

business credit profile financial

A business credit profile is a concise record of a company's borrowing history, payment habits, outstanding debts and public filings that lenders, suppliers and investors use to judge how likely the company is to meet financial commitments. Think of it like a credit score or medical chart for a business: a stronger profile makes borrowing cheaper and easier and signals lower risk to investors, while a weaker profile can raise financing costs and warn of potential trouble.

business credit monitoring financial

A service that watches a company’s credit profile, public payment history, and financial alerts and notifies managers and stakeholders when anything changes. Think of it like an alarm system or weather forecast for a business’s financial reputation: it helps spot missed payments, new credit inquiries, or identity theft early. Investors care because shifts in credit standing can affect borrowing costs, supplier terms and the perceived financial stability and risk of a company.

dun & bradstreet® small business financial exchange score financial

A Dun & Bradstreet® Small Business Financial Exchange (SBFE) score is a single-number rating that summarizes a small company’s recent payment behavior and financial reliability based on reported invoices, loans and trade payments. Investors use it like a credit snapshot—similar to a consumer credit score—to gauge how likely a small business is to pay bills on time, stay cash‑flow healthy and avoid default, which affects investment risk, lending decisions and the company’s access to capital.

dun & bradstreet® delinquency predictor score financial

The Dun & Bradstreet® Delinquency Predictor Score is a numeric risk measure that estimates how likely a business is to become seriously late on payments within the next year, based on its credit history and public records. For investors, it acts like a health check on customers, suppliers or partners—helping judge the chance of missed payments or trouble that could affect revenue, cash flow or the value of a business relationship.

hard credit check financial

A hard credit check is when a lender or creditor requests an official copy of a person’s or company’s credit report to decide whether to approve a loan, credit card, or other financing; it creates a recorded inquiry and can slightly reduce the credit score for a short time. For investors, hard checks signal that a borrower or business is actively seeking new debt or credit, which can indicate financing needs, potential changes in leverage or risk, and may presage future borrowing costs or capital-raising activity—think of it like someone opening a new line on a company’s financial radar.

aggregated, anonymized data technical

Aggregated, anonymized data is information from many individual customers or transactions that has been combined and stripped of names or identifiers so no single person can be identified, like blending ingredients and removing name tags. Investors use it as a reliable signal of overall customer behavior, market trends and product performance without privacy risk, helping assess demand, revenue potential and regulatory exposure when valuing a company.

customer insights technical

Customer insights are patterns and understanding drawn from customer behavior, feedback, and purchasing data that reveal what customers want, value, and how they make decisions. For investors, these insights act like a company’s compass: they signal whether products, pricing, or marketing are likely to drive growth and repeat sales, helping predict future revenue, customer retention, and the potential return on investment.

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New capabilities bring business credit visibility and customer analytics into one place to help owners run, plan, and grow their businesses

NEW YORK--(BUSINESS WIRE)-- Chase today announced new capabilities for small businesses that expand its integrated digital hub in Chase for Business mobile and online, bringing together tools owners can use to manage and grow their businesses in one place. The updates include the launch of Business Credit Journey℠, a complimentary tool that helps owners monitor and strengthen business credit, and expanded availability of Customer Insights, an analytics experience that provides visibility into customer and local market trends.

Client Spotlight (1): “As a small business owner, I was so focused on day-to-day operations that I wasn’t paying attention to my business credit score. This tool helped me better understand my score and why it matters. Now I track it regularly and feel more confident as I work toward growing my business and accessing more capital.” Amado De La Torre, Founder and Owner, Chicago Hot Dogs, San Antonio, TX.

These enhancements reflect Chase’s broader investment in services that go beyond traditional banking. By combining banking tools with actionable insights and time-saving features, Chase is helping small businesses make informed decisions, plan ahead, and pursue growth opportunities within one connected digital experience.

According to a Chase survey of small business owners, only 49% have checked their business’s credit score, highlighting the need for more accessible tools and guidance that help owners better understand and manage their businesses.

“Small business owners are making important decisions every day, and innovation should deliver practical solutions – not just new features,” said Jameson Troutman, Head of Product for Chase for Business. “With Business Credit Journey℠ and other tools in Chase for Business mobile and online, we’re giving owners clearer visibility into their business so they can plan ahead, respond to change, and grow with confidence.”

Helping Owners Better Understand Business Credit

In the Chase survey, 80% of small business owners said a strong business credit score can unlock easier access to credit. A strong business credit profile can support financing opportunities and long-term growth, yet many owners may not monitor it regularly or fully understand the factors that impact it.

Business Credit Journey℠ was built to make business credit more accessible and actionable – so owners can stay informed, identify changes early, and take steps to strengthen their profile over time. It also makes it easy for owners to view their business and personal credit information in one place.

Key features include:

• Business credit monitoring to help owners track changes over time
• Access to two business credit scores provided by Dun & Bradstreet – the Dun & Bradstreet^® Small Business Financial Exchange Score and the Dun & Bradstreet^® Delinquency Predictor Score – with no hard credit check
• Email notifications when scores change, plus insights into what may be driving those changes
• Educational guides on how business credit works, how to establish or improve it, and key factors lenders consider
• Easy enrollment that does not affect business credit scores

Business Credit Journey℠ is available as a complimentary digital tool from Chase for Business in Chase for Business mobile and online. Learn more here

Built-in Analytics to Help Owners Make Smarter Moves

Customer Insights helps business owners better understand customer behavior and local market activity through aggregated, anonymized data and trends, designed to support everyday decision-making while protecting consumer privacy.

Customer Insights, launched for Chase Payment Solutions clients in 2021 and expanded to business checking customers in 2024, is now available to Chase small business credit card customers.

“Customer Insights is an innovative solution that helps businesses run more efficiently and make smarter, data-driven decisions using insights they haven’t had access to before,” said Jenny Shum, General Manager of Chase Small Business Card. “We’re committed to delivering the value and expertise small businesses need to invest and grow their business, beyond our business card’s rich rewards, purchasing power and payment flexibility.”

Capabilities include:

• Tracking sales trends and growth in the business’s industry and location to inform operational decisions
• Exploring demographic trends such as age, gender, and income across top-performing markets
• Understanding purchase behavior, including spend, time of purchase, and channel (online vs. in-store)
• Identifying where top customers are concentrated geographically to inform marketing strategy and location decisions

Customer Insights is now available to all Chase small business credit card customers at no additional cost within Chase for Business mobile and online. Learn more here

Supporting Small Businesses Beyond Banking

These enhancements are part of Chase’s ongoing investment in services designed to help small businesses run and grow. Through its integrated digital experience in Chase for Business mobile and online, Chase brings together banking, payments, cash flow management, customer insights, retirement solutions, and other financial tools to help business owners manage operations and plan for what’s next.

About Chase

Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States of America with operations worldwide, assets of $4.9 trillion and $364 billion in stockholders’ equity as of March 31, 2026. Chase serves nearly 87 million consumers and 7.5 million small businesses with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: more than 5,000 branches in 48 states and the District of Columbia, nearly 15,000 ATMs, mobile, online and by phone. For more information, go to chase.com.

1 Opinions, findings or experiences included in this communication or provided via linked videos are those of the customer and not those of JPMorgan Chase Bank, N.A. or any of its affiliates and may not be representative of all views or what all customers may achieve. JPMorgan Chase Bank, N.A. nor any of its affiliates are liable for decisions made or actions taken in reliance on any of the testimonial information provided.

 

View source version on businesswire.com: https://www.businesswire.com/news/home/20260609784520/en/

Media Contact
Chaffon Davis
chaffon.davis@chase.com

Source: JPMorgan Chase & Co.