The Smarter Way to Make Credit Decisions
Real trade data. Predictive scoring. Complete credit intelligence — built by NACM members, for NACM members.
By NACM Members
Trusted by 15,000+ businesses nationwide
Years supporting trade credit
The NTCR
The Credit Intelligence Network Built by Members, for Members.
The National Trade Credit Report is the only B2B credit reporting network built and maintained by NACM members. Credit professionals across the country contribute their accounts receivable data — and access the collective intelligence of the entire network to make faster, smarter credit decisions.
Regional Affiliates
Years Existing
Unified Report
your region
Credit Intelligence, Delivered Locally. Backed by a National Network.
The NTCR is distributed through 12 regional NACM Affiliates across the United States. Your local Affiliate is your starting point for everything.
12 Regional Affiliates. One Powerful Network.
How It Works
Start Accessing Credit Intelligence in Three Steps.
Getting the NTCR is straightforward. Your regional NACM Affiliate handles everything.
01
Step 1.
Find Your Affiliate
Locate the NACM Affiliate serving your region using our interactive map.
02
Step 2.
Request Access
Contact your Affiliate to set up your account and get credentialed for report access.
03
Step 3.
Pull Your First Report
Search by business name, access payment history, scores, and portfolio tools immediately.










What Members Say
Trusted by Credit Professionals Across the Country.
"NACM's National Trade Credit Reports are an integral part of our credit decision making process. Doing a routine credit check on a good-paying customer has led to unexpected red flags that have assisted in our ability to act quicker than we otherwise would have."
"The NTCR is essential for researching an account before allowing them credit. Members also submit accounts monthly, which are compiled into a booklet for our meetings. Each of these accounts are listed in the packet with their past and present tradelines, an embers at the meeting are encouraged to share their factual experience with these accounts.
FAQs
Your Questions About the NTCR, Answered.
The NTCR is built differently than other business credit products. Here’s what credit professionals and NACM members ask most before getting started.
The NTCR is a B2B credit report built exclusively from trade payment data contributed by NACM members. It provides payment history, predictive scoring, and portfolio risk tools to help credit professionals make faster, more confident decisions.
Unlike commercial credit bureaus, the NTCR is built by credit professionals for credit professionals. The data comes directly from NACM members' accounts receivable — making it uniquely accurate and relevant for trade credit decisions.
The NTCR is available through your regional NACM Affiliate. Use our map to find your Affiliate and get set up.
Yes. Data contribution is separate from report access. NACM members can report their accounts receivable data independently through their Affiliate or an integration vendor platform.
Beyond the core report, subscribers can access the Predictive Score, Portfolio Risk Analysis, Account Monitor Service, and Trade Profile Report depending on their subscription level.
Access the NTCR
The NTCR Is Available Through Your Local NACM Affiliate.
Connect with your regional representative to get started with the most powerful member-contributed trade credit tool in the country.