Assess credit risk for a company

One new application requiring review:

#	Company	D‑U‑N‑S	Application date	Requested credit	Status
1	Meridian Precision Components, Inc.	••••••035	2025-06-23	$2,500,000	Pending review

Application context: submitted by Sales — Southwest Region; triggered by a new supplier onboarding request from Procurement. Entity status is Active — operationally active (D&B verified), located at 2800 Industrial Pkwy, Ste 100, Austin, TX 78744, US, in SIC 3599 / NAICS 332710 (machine shops and turned products). Next step: fetch the full D&B credit profile to begin the assessment.

Meridian Precision does not appear on the deterioration list. Its Failure Score improved by 2 points this quarter (80 → 82), indicating stable-to-improving creditworthiness, with no early-warning trigger activated.

Go deeper: Historical Failure Score time series, national percentile trends, and automated early-warning triggers are available with enterprise access for continuous portfolio monitoring.

Company overview — Primary name: Meridian Precision Components, Inc. · D‑U‑N‑S: ••••••035 · Address: 2800 Industrial Pkwy, Ste 100, Austin, TX 78744, US · Telephone: +1 512-555-•••• · Website: meridianprecision.com · Employees: 342 (actual reported) · Industry: SIC 3599 / NAICS 332710 · Start year: 2009 · Legal form: Corporation · Status: Active.

Financial strength & risk scores — D&B rating: 3A2 (verified) · Financial strength: 3A ($10M–$49.9M net worth range) · Risk indicator: 2 (low risk) · Failure Score: 82/100 · Delinquency Score: 78/100 · SER: 3/9 (low risk) · SSI: Class 2 (stable).

Payment behavior — PAYDEX: 78 (prompt payer) · Average days beyond terms: 4 · Trade experiences: 46 from 31 trading partners · Trend: stable over 12 months.

Filings & events — Lawsuits, bankruptcies, insolvencies, UCC filings: none on record · Fraud indicators: no flags detected.

Corporate hierarchy — Global ultimate: Meridian Industrial Group, Ltd. (D‑U‑N‑S ••••••397, London, UK) · Domestic ultimate & immediate parent: Meridian Holdings NA, Inc. (D‑U‑N‑S ••••••612, Wilmington, DE) · Ownership: 100% · Family tree: 14 entities across 6 countries.

Internal exposure (illustrative) — Current outstanding receivables: $1,200,000 · 12-month history: 12 invoices, all paid within terms · Average payment days: 28 (terms: Net 30) · Disputes: none · Existing credit limit: $1,500,000.

Go deeper: Full historical financial statements, global financials, credit-limit recommendations, national percentile rankings, and board composition are available with enterprise access.

Every policy threshold passes:

Criterion	Value	Minimum	Result
D&B rating	3A2	2A3	Pass
Failure Score	82/100	50	Pass
Delinquency Score	78/100	50	Pass
PAYDEX	78	60	Pass
Financial strength	3A / $10M–$49.9M	EE	Pass
Lawsuits / bankruptcies	None	—	Pass
Fraud indicators	No flags	—	Pass
Years in business	16	3	Pass

Recommended credit limit: $2,500,000 — current exposure $1,200,000 outstanding, $1,300,000 headroom available, Net 30 terms, annual review (next: June 2026). Rationale: solid net worth with low composite risk (2); PAYDEX 78 with only 4 days average beyond terms across 46 experiences and 12/12 internal invoices paid within terms; clean legal record; 100% parent backing within a 14-entity global family. Risk action: approve at $2,500,000 on standard Net 30 terms.

Go deeper: Credit-limit modeling, national percentile benchmarks, historical PAYDEX trends, and full financial statements are available with enterprise access.

A structured Credit Risk Memo (dated 2025-06-25, prepared by the AI credit agent on D&B-verified context) covering: (1) entity identification; (2) corporate structure; (3) credit risk assessment — D&B rating 3A2, Failure Score 82/100 (76th percentile), Delinquency Score 78/100 (71st percentile), SER 3/9, SSI Class 2; (4) payment behavior — PAYDEX 78, 4 days average beyond terms, 46 experiences from 31 partners; (5) internal exposure — $1,200,000 outstanding, 12/12 invoices within terms; (6) recommendation — approve at $2,500,000, Net 30, low risk, annual review June 2026; (7) rationale. All D&B indicators confirm low risk and support the requested limit within policy.

Returns a ranked top-10 with total at-risk exposure of $19.4M. Meridian Precision (82/100, $1.2M) is not flagged. Suggested actions: ranks 1–4 immediate review; 5–8 accelerated review within 30 days; 9–10 watchlist.

Go deeper: Automated early-warning triggers, portfolio concentration analysis, and continuous monitoring are available with enterprise access.