For more information, contact bgerrity@smyyth.com or call +1 646 442 3704.

Bernard Sands LLC, the Smyyth retail industry affiliate, is the gold standard for credit information, opinions, and ratings in the retail industry, since 1925. We service hundreds of suppliers and factoring companies, and can solve your credit management needs as well.

Bernard Sands specializes in mass merchandisers, department stores, discounters, and tens of thousands of "mom and pops" that are the lifeblood of many companies. In fact, we have data on over 250,000 retailers, distributors, and suppliers. If you participate with Smyyth's Virtual Credit Network, you can compare your customer payments, DSO, and high credits vs. the industry. Bernard Sands Analysts are also available for optional consultation.

We have a vast database of tens of millions of trade references, refreshed daily. More than anyone else in the retail credit business, we understand how the "trade" is paying their bills.

We have the largest retailer, supplier and factor credit network
We have exhaustive, current trade data
We have computer analytics and comprehensive reports
We have expert analysts you can consult
We have online internet systems for on-demand answers

Services, reports, ratings and scores are presented through the RATIONALi system, and include optional one-on-one consultation with our industry analysts.

Our Services

CreditPayPro™ Strategic Retailers - is an all-inclusive report for high credit exposure retailers. We include all CreditPay features, plus an analysis of corporate debt, loan availability, maturities, and covenant compliance, detailed financial metrics, analyst trade credit opinions, and expert analyst commentary by Bernard Sands' industry analysts.

CreditPay™ is a comprehensive, state-of-the-art, online business credit report that includes advanced features, combined with our exhaustive data, to help you better manage risk. CreditPay is available for more than 250 thousand retailers. It includes optional Flash Alerts, Credit Lines, and Analyst Consultation

Financial risk score/rating Credit line opinion option Trade references Payment scores Industry high credits Industry Days to Pay Liens, public filings

Financial references Public company financial metrics Flash E-mail Alerts Risk Portfolio Monitoring Financials Location mapping Expert analysts on-call for advice

TradeChek™ Reports New Account Verification outsource for references, banks, trade payment histories, government authorities, etc., including CreditPay. optional third party data, credit line and risk opinions.

KeyAdvisory™ Primary Source Reports for in-depth monitoring of strategic customers, suppliers, or companies of interest. It includes industry, financial and operational analysis, trade payments trends, industry sentiment, and direct access to our senior industry credit officers.

Vital Signs Monitoring is a systematic review of company ratings, financial, operational, and industry indicators, and trade payment trends, with alerts when changes occur. This is perfect for large numbers of accounts.

RATIONALSCORE™ Multi-Variable Scoring uses financials, company information, trade data, payment scores, Z-Scores, third party data, and more. Public financials are automatic, and privates easily input. Customize models, variables, weights and priorities, and generate risk ratings and credit lines based on your company’s risk parameters. By Smyyth.

CARIXA™ CMS ensures that your credit lines comply with your corporate policies and credit risk parameters. Carixa is a web SaaS system that integrates your data, RATIONALSCORE, and other decision systems. It is a streamlined "corporate command and control" environment for credit decisions.

Please call for a brief demonstration of our capabilities.

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Contact bgerrity@smyyth.com for more information and to arrange a demonstration.