Altares and Tinubu are expanding their longstanding partnership to give businesses access to analyst-led credit risk assessments and tailored credit recommendations. The enhanced offering combines Altares Dun & Bradstreet business data with Tinubu’s expertise in international credit management, helping finance teams evaluate trading partners when standard financial indicators provide an incomplete picture. The service targets companies managing cross-border trade, supplier exposure and corporate credit decisions amid increasingly complex economic and geopolitical risks.

Altares and Tinubu Combine Business Data With Credit Expertise

Business data provider Altares and credit insurance technology specialist Tinubu are expanding their partnership to offer more detailed creditworthiness assessments to Altares customers. The service combines international business information with human analysis to help credit managers and finance departments assess counterparties and make more informed decisions about extending commercial credit.

The expanded offering addresses situations where conventional financial data may not adequately explain a company’s risk profile. Businesses evaluating international customers, suppliers or other trading partners may also need to understand ownership structures, industry conditions, country-specific risks and the broader commercial environment.

By incorporating Tinubu’s analyst-led assessments into its commercial offering, Altares aims to extend access to this deeper level of credit intelligence beyond customers already using Tinubu’s specialist services.

Combining business data with human analysis

Altares, a member of the Dun & Bradstreet Worldwide Network, provides business information used to evaluate companies and commercial relationships. Tinubu specializes in credit insurance and international credit management, drawing on business data and additional sources to assess corporate creditworthiness.

Under the expanded arrangement, Tinubu analysts use Altares Dun & Bradstreet data alongside specialized local information and publicly available online sources. They interpret the available evidence in the context of the company being assessed and produce tailored credit recommendations.

The analysis can consider questions that financial statements alone may not resolve. These include the business environment in which a company operates, its shareholders and their industry exposure, and the risks associated with its country or market.

Where additional information is needed, Tinubu may contact the company being assessed, subject to customer authorization. This provides a route to supplement existing records when the available evidence is incomplete or requires clarification.

The companies say the approach is particularly relevant when financial information is limited or when a prospective commercial relationship involves substantial financial exposure.

A longstanding partnership enters a new phase

Altares and Tinubu have worked together for more than 20 years. The expanded arrangement builds on Tinubu’s use of Altares Dun & Bradstreet information in its data hub, adding analyst-prepared assessments and recommendations to Altares’ customer offering.

The partnership combines two complementary functions in commercial risk management. Business data provides a structured starting point for understanding a company’s financial and corporate profile, while specialist analysts can interpret that information against local conditions and case-specific risks.

This distinction matters in international trade, where companies may encounter differences in financial disclosure, reporting practices, ownership transparency and access to reliable business information. A standardized credit score or financial indicator may not capture every factor relevant to a particular transaction.

However, human analysis also has limitations. Assessments depend on the availability and reliability of underlying information, the analyst’s judgment and how recently the evidence was collected. Businesses should therefore consider the date, scope and assumptions of a recommendation before using it to set credit limits or approve significant exposures.

Implications for credit management and trade finance

The expanded service is aimed at finance departments and credit professionals responsible for evaluating customers, setting payment terms and controlling the risk of unpaid invoices.

For example, a company considering a large order from an overseas buyer may need more than a financial score to determine whether to offer payment terms. Information about ownership, local market conditions and industry-specific pressures could help its credit team decide whether to approve the exposure, request additional safeguards or conduct further due diligence.

The same approach can support supplier and counterparty assessments, although the announced offering focuses on creditworthiness and credit recommendations rather than a new payment or lending platform.

For credit insurers and businesses managing trade receivables, more detailed counterparty analysis can inform decisions about risk exposure. The service may also be relevant to organizations operating across multiple jurisdictions, where fragmented information makes consistent credit policies harder to apply.

Altares and Tinubu have not disclosed pricing, assessment turnaround times, coverage statistics or measured improvements in credit losses. The announcement therefore establishes the service’s expanded availability, but does not quantify its impact on customer outcomes.

Competition in business credit intelligence

The business credit intelligence market includes commercial data providers, credit bureaus, credit insurers and specialist risk analytics companies. Their offerings range from standardized company reports and automated scores to bespoke investigations and analyst-led assessments.

Altares and Tinubu are positioning their expanded service around the combination of broad business data and tailored human expertise. Rather than replacing existing company information, the assessment adds interpretation for cases where customers require a deeper view of a counterparty’s financial strength and operating environment.

The commercial value will depend on how effectively the combined service addresses information gaps, supports timely decisions and integrates into existing credit management workflows.

As companies manage international customers and suppliers in uncertain markets, access to detailed credit intelligence can help structure more consistent risk reviews. Ultimately, the usefulness of the expanded partnership will depend on information quality, analytical transparency and whether its recommendations help businesses make better-informed credit decisions.

Market Landscape

Business credit risk management is evolving beyond reliance on financial statements and standardized credit scores. Companies increasingly need to evaluate ownership, industry conditions, country-level exposure and information gaps when making decisions about trade credit and international counterparties.

Altares and Tinubu are addressing this need by combining commercial business data with analyst-led credit assessments. The approach complements automated risk tools with case-specific interpretation, although its effectiveness will depend on data availability, assessment timeliness and the quality of the recommendations.

Top Insights

• Altares is adding Tinubu’s analyst-led credit assessments and tailored recommendations to its commercial offering for business customers.
• The service combines Dun & Bradstreet business data with specialized local information and public sources to assess corporate creditworthiness.
• Analysts examine ownership, industry conditions and country-specific risks when standard financial indicators do not provide sufficient context.
• The partnership may help finance teams assess international trading partners, manage receivables exposure and make more informed credit decisions.
• The companies have not disclosed pricing, turnaround times or quantified reductions in credit losses from the expanded offering.

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