We are a P2P database that allows you to quickly search the businesses and their owners you'd like to extend credit to, to make sure they haven't participated in defaulting on prior obligations. We work with a plethora of companies in the MCA space and have prevented them from getting burned on many occasions. A court search will only yield people who have filings against them. Our data is on Merchants that may have not been reported yet or not reported because of fraudulent info. For example if a merchant is using all fraudulent accounts and submitting to multiple lenders it may not be in any credit databases, but will be in ours. Just finding one bad account can save your company thousands of dollars (tens of thousands in some cases).