12/5/25
Viability 2 Score D&B's second-generation Viability Rating incorporates advanced predictive analytics and machine learning to provide even more accurate business failure forecasting. This enhanced scoring model evaluates additional data points including industry trends, economic indicators, and real-time business activities to deliver superior risk assessment capabilities for compliance and procurement professionals.
1
Enhanced Data Sources Incorporates payment trends, financial stress indicators, legal events, and industry-specific risk factors
2
Predictive Modeling Machine learning algorithms analyze historical patterns to forecast business viability with greater accuracy
3
Real-Time Updates Dynamic scoring adjusts as new information becomes available, providing current risk assessment
4
Risk Segmentation Granular rating tiers enable precise vendor classification and tailored risk management strategies
107
PAYDEX Scores
The PAYDEX Score is D&B's dollar-weighted numerical indicator of a company's payment performance, ranging from 1 to 100. This metric evaluates how promptly businesses pay their bills, providing critical insight into financial reliability and cash flow management. A high PAYDEX score indicates a vendor consistently pays obligations on time or early, while low scores signal payment delays or defaults.
80%
Excellent Pays promptly, often ahead of terms - lowest risk tier
50%
Good Pays within terms - acceptable payment behavior
30%
Fair Slow payment patterns - monitor closely
10%
Poor Significant delays or defaults - high risk
108
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