A company can generate its own CIBIL Rank and Company Credit Report; you can ask a buyer to share it. For proprietors and small firms, the useful number is the owner's personal credit score. FundRaksha Trust shows the owner's credit score and loan repayment record in its GST + Financial report (499 RP), fetched only after the owner confirms consent.
Company or proprietor: which score to look for
| Buyer type | Score to look at | How you get it |
|---|---|---|
| Private or public limited company | CIBIL Rank and Company Credit Report | Ask the buyer to share it; CIBIL lets the company generate it with its GSTIN |
| LLP or partnership | The firm's report if it has borrowed, and the partners' records | Ask the buyer; or Trust with the partner's consent |
| Proprietorship | The owner's personal credit score | Trust GST + Financial report, with the owner's consent |
The 4th character of the PAN inside the GSTIN tells you which row you are in: P is an individual (proprietorship), C a company, F a firm or LLP. See GSTIN format explained.
How the consent step works on Trust
- Enter the buyer's GSTIN and run the free basic check.
- Start the GST + Financial report. The owner confirms consent; Trust saves the date, time and device.
- The loan record and court search run automatically, with live progress on screen.
- If no mobile number is available, the report finishes with court cases only.
- Use "Run full check again" later to get current data. Paid reports never expire.
The 499 RP is charged only once both parts are done, and points are refunded if the check cannot be completed.
What a score tells you, and what it does not
A good score means the owner or company has repaid lenders. It does not prove they pay suppliers. Businesses under pressure often keep the bank loan current because the bank holds security, and stretch suppliers instead. That is why the Trust report puts the score next to the GST filing record, court cases and defaults reported by other suppliers.
- Good score, clean filing, no reported defaults: normal terms are reasonable.
- Good score but supplier defaults or recovery suits: the buyer prioritises lenders; keep limits short.
- Recent delays on loans: treat as an early warning even if the GST record is clean.
- No credit history: not negative in itself; rely more on the GST record and start small.
Worked example
A Ludhiana hosiery unit receives a ₹6,00,000 winter-season order from a Jaipur distributor that is a proprietorship. The distributor agrees to the consent step. The report shows a good owner score and regular GST filing, but loan repayment has slipped in the last two months and one supplier has reported an unpaid invoice. The unit supplies ₹3,00,000 on 30 days, takes a post-dated cheque, and adds the buyer to the watchlist. If the cheque bounces, see cheque bounce notice online.
Reading the score alongside the rest of the report
In a Trust GST + Financial report the owner's score sits next to the loan repayment record, promoter or director financials, court cases and supplier-reported defaults. Read them together. A falling repayment record matters more than a single number, because it shows the direction the business is moving in. Court cases and tribunal matters show whether lenders or suppliers have already had to take action. And supplier reports show what the score cannot: whether trade creditors are being paid.
If the report says "give credit with care", Trust's suggested response is a lower limit and short terms, or part payment in advance. That is usually a better answer than a flat refusal, and it gives the buyer a way to earn better terms.
Sources
Last reviewed: 2026-10-21. Information for Indian businesses; not legal advice.