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In the sleek, glass-walled office of Summit Logistics, Marcus, the lead credit manager, tapped his pen against his mahogany desk. On his screen sat a high-stakes application from "Apex Distribution," a company looking to buy $50,000 worth of equipment on net-30 terms. They were a new player, and Marcus needed more than just a gut feeling; he needed cold, hard proof of their reliability.

They had been with their primary steel supplier for five years.

Date account opened, current balance, and credit limit.

Create a for a phone reference instead.

"Would you extend credit to this firm again?" If you’d like, I can: Draft the exact text for you to copy into a Word doc.

A previous partner had trusted them with $40,000.