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Since 1884, JBT members join for access to industry specific credit reporting, collections, and marketing services.


The 4Cs of Credit

JBT is proud to promote the four key elements of Credit. 


The personal character of company principals is essential to a business’ credit behavior, and is made up in part by previous employment, prior business ownership or involvement, and education.


Does a company have the financial capacity to meet its obligations?


Is there enough money in the business?

Cash Flow

In addition to capital and solid net worth, what is the business’ liquidity?