Risk Management
Understand financial risk before you lend or fund.
Enzio helps lenders, grant makers and funding programs evaluate the individuals and businesses they are considering, with accurate, compliant reports that bring financial history and public records together in one place.
How Enzio helps
Whether you are underwriting a loan, awarding a grant or approving a funding application, you need a clear picture of an applicant’s financial history and responsibility. Enzio combines credit, court and public records research into reports that help you assess risk consistently across every applicant.
For businesses, we look at both the entity and the people behind it: verifying registration and standing, reviewing liens, judgments, bankruptcies and litigation, and screening owners, principals and guarantors. Our team helps you choose the searches that fit your program, your risk tolerance and your regulatory requirements.
Available searches
- Identity and address verification
- Bankruptcies, liens and civil judgments
- Civil court and litigation records
- Criminal records, including financial and fraud offenses
- OFAC, global sanctions and watch lists
- Business registration and good standing
- Business credit reports
- UCC filings
- Owner, principal and guarantor screening
- Professional license verification
Built for lending and funding decisions
Individuals and businesses
Screen applicants, business owners, principals and guarantors in one consistent process.
The full picture in one report
Financial history, court records and business details come together in a single, easy-to-read report, so your team spends less time searching and more time deciding.
Consistent, documented reviews
Apply the same criteria to every applicant and keep a clear record of what was reviewed and when.
Risk management reports are non-FCRA products and are not consumer reports. Clients agree to use them only for permitted business purposes and not as a factor in establishing an individual’s eligibility for credit, insurance, employment or any other FCRA-covered purpose. Enzio does not make or recommend lending or funding decisions and does not provide legal advice.
Secure by design.
Every report is delivered through our SOC 2 Type II certified, PCI DSS compliant platform, supported by an FCRA-trained team.
Explore other solutions
Let’s build your risk management program.
Tell us what you need, and we’ll recommend the right package for your organization.