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Most small and mid-size businesses extend payment terms — but very few truly understand the credit risk of the customers they’re lending to. In this episode, Calvin talks with Brian Suthoff about how companies can finally get meaningful, actionable value from credit bureaus without heavy IT work, complex integrations, or expensive systems. Brian explains how credit data actually works, why traditional business credit reports fall short, and what small businesses can do to protect cash flow, reduce write-offs, and make faster, more confident credit decisions. This episode is a must-watch for any business owner, finance leader, or operations manager who depends on timely payments and needs better insight into customer creditworthiness. In this episode, you'll learn: Why business credit bureaus often fail small businesses The gaps in traditional credit reporting How to use credit data to reduce risk and protect cash flow Real steps to improve collections and avoid bad debt Tools that make credit insights easier to understand How better credit decisions support long-term business growth SmartBooks helps businesses build strong financial systems, improve cash flow, and make smarter decisions through accurate, real-time financial insight. #businesscredit #creditbureaus #cashflow #smartbooks #briansuthoff #riskmanagement #smallbusinessfinance