[{"data":1,"prerenderedAt":520},["ShallowReactive",2],{"document-credit-information-request-D259":3},{"document":4,"label":21,"preview":11,"thumb":22,"thumb600":23,"description":5,"descriptionCustom":6,"apiDescription":5,"pages":8,"extension":10,"parents":24,"breadcrumb":28,"related":36,"customDescModule":180,"customdescription":6,"mdFm":181,"mdProseHtml":519},{"description":5,"descriptionCustom":6,"label":7,"pages":8,"size":9,"extension":10,"preview":11,"thumb":12,"svgFrame":13,"seoMetadata":14,"parents":16,"keywords":15},"[DATE] [CONTACT NAME] [ADDRESS] [ADDRESS 2] [CITY, STATE/PROVINCE] [ZIP/POSTAL CODE] SUBJECT: CREDIT INFORMATION REQUEST Dear [Contact name], Thank you for your recent order dated [Date]. We shall be pleased to consider you for a line of credit; however, we first require additional information. Accordingly, would you please provide us with the information checked?",null,"Credit Information Request","1",513,"doc","https://templates.business-in-a-box.com/imgs/1000px/credit-information-request-D259.png","https://templates.business-in-a-box.com/imgs/250px/259.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#259.xml",{"title":15,"description":6},"credit information request",[17,20],{"label":18,"url":19},"Credit & Collection","/templates/credit-collection/",{"label":18,"url":19},"Credit Information Request Template","https://templates.business-in-a-box.com/imgs/400px/259.png","https://templates.business-in-a-box.com/imgs/600px/259.png",[25,17,20],{"label":26,"url":27},"Templates","/templates/",[29,30,33],{"label":26,"url":27},{"label":31,"url":32},"Finance & Accounting","/templates/finance-accounting/",{"label":34,"url":35},"Credit Management","/templates/credit-management/",[37,41,45,49,53,57,61,65,69,73,77,81,85,102,119,132,146,162],{"label":38,"url":39,"thumb":40,"extension":10},"Request for Credit Information","/template/request-for-credit-information-D276","https://templates.business-in-a-box.com/imgs/250px/276.png",{"label":42,"url":43,"thumb":44,"extension":10},"Request for Information","/template/request-for-information-D227","https://templates.business-in-a-box.com/imgs/250px/227.png",{"label":46,"url":47,"thumb":48,"extension":10},"Authority to Release Credit Information","/template/authority-to-release-credit-information-D246","https://templates.business-in-a-box.com/imgs/250px/246.png",{"label":50,"url":51,"thumb":52,"extension":10},"Credit Information Cover Letter","/template/credit-information-cover-letter-D258","https://templates.business-in-a-box.com/imgs/250px/258.png",{"label":54,"url":55,"thumb":56,"extension":10},"Reply to Request About Credit Rejection","/template/reply-to-request-about-credit-rejection-D275","https://templates.business-in-a-box.com/imgs/250px/275.png",{"label":58,"url":59,"thumb":60,"extension":10},"Request for Advertising Rate Information","/template/request-for-advertising-rate-information-D1369","https://templates.business-in-a-box.com/imgs/250px/1369.png",{"label":62,"url":63,"thumb":64,"extension":10},"Request Proposal for Credit Facility","/template/request-proposal-for-credit-facility-D298","https://templates.business-in-a-box.com/imgs/250px/298.png",{"label":66,"url":67,"thumb":68,"extension":10},"Request Increase of Credit Limit","/template/request-increase-of-credit-limit-D297","https://templates.business-in-a-box.com/imgs/250px/297.png",{"label":70,"url":71,"thumb":72,"extension":10},"Request for Information in Advance of Purchase Order","/template/request-for-information-in-advance-of-purchase-order-D1075","https://templates.business-in-a-box.com/imgs/250px/1075.png",{"label":74,"url":75,"thumb":76,"extension":10},"Credit Note","/template/credit-note-D13639","https://templates.business-in-a-box.com/imgs/250px/13639.png",{"label":78,"url":79,"thumb":80,"extension":10},"Request to Contact Credit Manager on Past Due Account","/template/request-to-contact-credit-manager-on-past-due-account-D234","https://templates.business-in-a-box.com/imgs/250px/234.png",{"label":82,"url":83,"thumb":84,"extension":10},"Request to Bank for Copy of Credit Report","/template/request-to-bank-for-copy-of-credit-report-D300","https://templates.business-in-a-box.com/imgs/250px/300.png",{"description":86,"descriptionCustom":6,"label":87,"pages":88,"size":9,"extension":10,"preview":89,"thumb":90,"svgFrame":91,"seoMetadata":92,"parents":94,"keywords":93,"url":101},"NON-DISCLOSURE AGREEMENT (NDA) This Non-Disclosure Agreement (the \"Agreement\") is made and effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the \"Disclosing Party\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [RECEIVING PARTY NAME] (the \"Receiving Party\"), an individual with his main address located at OR a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] WHEREAS, Receiving Party has been or will be engaged in the performance of work on [DESCRIBE]; and in connection therewith will be given access to certain confidential and proprietary information; and WHEREAS, Receiving Party and Disclosing Party wish to evidence by this Agreement the manner in which said confidential and proprietary material will be treated. NOW, THEREFORE, it is agreed as follows: NON-DISCLOSURE OF CONFIDENTIAL INFORMATION Both Parties understand and agree that each Party may have access to the confidential information of the other party. For the purposes of this Agreement, \"Confidential Information\" means proprietary and confidential information about the Disclosing Party's (or it's suppliers') business or activities. Such information includes all business, financial, technical, and other information marked or designated by such Party as \"confidential\" or \"proprietary.\" Confidential Information also includes information which, by the nature of the circumstances surrounding the disclosure, ought in good faith to be treated as confidential. For the purposes of this Agreement, Confidential Information does not include: Information that is currently in the public domain or that enters the public domain after the signing of this Agreement. Information a Party lawfully receives from a third Party without restriction on disclosure and without breach of a non-disclosure obligation. Information that the Receiving Party knew prior to receiving any Confidential Information from the Disclosing Party. Information that the Receiving Party independently develops without reliance on any Confidential Information from the Disclosing Party. Each Party agrees that it will not disclose to any third Party or use any Confidential Information disclosed to it by the other Party except when expressly permitted in writing by the other Party. Each Party also agrees that it will take all reasonable measures to maintain the confidentiality of all Confidential Information of the other Party in its possession or control. TERM The term of this Agreement is [number] of [years/months] from the date of execution by both Parties. TITLE The Receiving Party agrees that all Confidential Information furnished by the Disclosing Party shall remain the sole property of the Disclosing Party. DISCLAIMER","Non Disclosure Agreement Nda","3","https://templates.business-in-a-box.com/imgs/1000px/non-disclosure-agreement-nda-D12692.png","https://templates.business-in-a-box.com/imgs/250px/12692.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#12692.xml",{"title":93,"description":6},"non disclosure agreement nda",[95,98],{"label":96,"url":97},"Legal Agreements","business-legal-agreements",{"label":99,"url":100},"Confidentiality Agreements","confidentiality-agreement","/template/non-disclosure-agreement-nda-D12692",{"description":103,"descriptionCustom":6,"label":104,"pages":8,"size":105,"extension":10,"preview":106,"thumb":107,"svgFrame":108,"seoMetadata":109,"parents":110,"keywords":117,"url":118},"COMPANY NAME:_______________________ Address: _______________________________________ City: ______________________________ State/Province: ___________ Zip/postal code__________ Country: ________________ Phone: _________________ Fax: __________________ Email: _________________________________________ Purchase Order The following number must appear on all related correspondence, shipping papers, and invoices: P.O. NUMBER: Contact: Address: _______________________________________ City: ______________________________ State/Province: ___________ Zip/postal code___________ Country: ________________ Phone: _________________ Fax: __________________ Email: _________________________________________ Ship To:","Purchase Order",49,"https://templates.business-in-a-box.com/imgs/1000px/purchase-order-D1411.png","https://templates.business-in-a-box.com/imgs/250px/1411.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#1411.xml",{"title":6,"description":6},[111,114],{"label":112,"url":113},"Sales & Marketing","sales-marketing",{"label":115,"url":116},"Bids & Quotes","bids-quotes","purchase order","/template/purchase-order-D1411",{"description":120,"descriptionCustom":6,"label":121,"pages":122,"size":9,"extension":10,"preview":123,"thumb":124,"svgFrame":125,"seoMetadata":126,"parents":128,"keywords":127,"url":131},"SERVICE AGREEMENT This SERVICE AGREEMENT (\"Agreement\") is effective [DATE], BETWEEN: [COMPANY NAME] (the \"Contractor\"), a company organized and existing under the laws of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] AND: [COMPANY NAME] (the \"Customer\"), a company organized and existing under the laws of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] (The Contractor and the Customer shall be individually referred to as a \"Party\" and collectively referred to as the \"Parties\", as the context may require). WHEREAS A. Contractor has experience and expertise in [DESCRIBE EXPERIENCE AND SERVICE]. B. Customer desires to have Contractor provide services for them. C. Contractor desires to provide services to Customer on the terms and conditions set forth herein (the \"Services\"). NOW THEREFORE, in consideration of the above recitals, the representations, warranties, and agreements contained in this Agreement and for other good and valuable consideration, the receipt and adequacy of which are now acknowledged, the Parties agree as follows: SERVICES PROVIDED Beginning on upon agreement to this contract, [CONTRACTOR] will provide to [CUSTOMER] the following service (collectively, the /Services\"): Description of the project: [DESCRIBE THE SERVICE REQUIRED]. SCOPE OF WORK Contractor agrees to provide Services pursuant to the Scope of Work set forth in Exhibit A attached hereto (the \"Scope of Work\"). TERM Unless both parties mutually agree on an extension, this contract will automatically terminate on [SPECIFY]. PERFORMANCE The parties agree to do everything possible to ensure that the terms of this Agreement take effect. PAYMENT FOR SERVICES In exchange for the Services rendered, a payment of [SPECIFY] will be made to the Contractor upon completion of the scheduled Services described in this Contract. If an invoice is not paid on the due date, interest will be added to the current balance. These amounts shall be payable, and the Customer shall pay all overdue amounts at the lesser of [SPECIFY] per cent per annum or the maximum percentage permitted by applicable law. Or Customer will pay Contractor as follows: [SPECIFY]. DELIVERY OF SERVICES The Contractor will exercise due diligence in the provision of services. However, the Customer acknowledges that the indicated delivery times and other payment milestones listed in Scope of Work are estimates and do not constitute final delivery dates. SECURITY The Contractor must make reasonable security arrangement to protect Material from unauthorized access, collection, use, alteration or disposal. OWNERSHIP RIGHT The Customer shall hold the copyright for the agreed version of the Services as delivered, and the Customer's copyright notice may be displayed in the final version. All works, ideas, discoveries, inventions, patents, products or other information that may be protected by copyright (collectively, the \"Work Product\" developed in whole or in part by the Contractor in connection with the Services, shall be the exclusive property of the Customer. Upon request, the Contractor shall execute all documents necessary to confirm or perfect the exclusive ownership of the Customer's \"Work Product\". The Contractor retains exclusive rights to pre-existing materials used in the Customer's projects. The Customer shall not have the right to reuse, resell or otherwise transfer material belonging to the contractor or third parties. The Contractor reserves the right to use the finished public product as an example of a product. RETURN OF PROPERTY Upon the expiry or termination of this Agreement, the Contractor will return to the Customer any property, documentation, records or Confidential Information which is the property of the Customer. COMPENSATION For all services rendered by the Contractor under this Agreement, the Customer shall indemnify the Contractor. In the event that the Customer fails to make any of the payments mentioned, the Contractor shall have the right, but shall not be obliged, to exercise any of the following remedies: ","Service Agreement","6","https://templates.business-in-a-box.com/imgs/1000px/service-agreement-D12711.png","https://templates.business-in-a-box.com/imgs/250px/12711.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#12711.xml",{"title":127,"description":6},"service agreement",[129,130],{"label":96,"url":97},{"label":96,"url":97},"/template/service-agreement-D12711",{"description":133,"descriptionCustom":6,"label":134,"pages":122,"size":135,"extension":10,"preview":136,"thumb":137,"svgFrame":138,"seoMetadata":139,"parents":140,"keywords":144,"url":145},"INDEPENDENT CONTRACTOR AGREEMENT This Independent Contractor Agreement (\"Agreement\") is made and effective [Date], BETWEEN: [INDEPENDENT CONTRACTOR NAME] (the \"Independent Contractor\"), a company organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] AND: [YOUR COMPANY NAME] (the \"Company\"), a company organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] RECITALS Independent Contractor is engaged in providing [Describe] business services, its Employer Tax I.D. Number is [Insert], and its Business License Number is [insert]. Independent Contractor has complied with all Federal, State, and local laws regarding business permits, sales permits, licenses, reporting requirements, tax withholding requirements, and other legal requirements of any kind that may be required to carry out said business and the Scope of Work which is to be performed as an Independent Contractor pursuant to this Agreement. Independent Contractor is or remains open to conducting similar tasks or activities for clients other than the Company and holds themselves out to the public to be a separate business entity. Company desires to engage and contract for the services of the Independent Contractor to perform certain tasks as set forth below. Independent Contractor desires to enter into this Agreement and perform as an independent contractor for the company and is willing to do so on the terms and conditions set forth below. NOW, THEREFORE, in consideration of the above recitals and the mutual promises and conditions contained in this Agreement, the Parties agree as follows: TERMS This Agreement shall be effective commencing [Date], and shall continue until terminated at the completion of the Scope of Work which shall occur no later than [Date] or by either party as otherwise provided herein. STATUS OF INDEPENDENT CONTRACTOR This Agreement does not constitute a hiring by either party. It is the parties intentions that Independent Contractor shall have an independent contractor status and not be an employee for any purposes, including, but not limited to, [laws]. Independent Contractor shall retain sole and absolute discretion in the manner and means of carrying out their activities and responsibilities under this Agreement. This Agreement shall not be considered or construed to be a partnership or joint venture, and the Company shall not be liable for any obligations incurred by Independent Contractor unless specifically authorized in writing. Independent Contractor shall not act as an agent of the Company, ostensibly or otherwise, nor bind the Company in any manner, unless specifically authorized to do so in writing. TASKS, DUTIES, AND SCOPE OF WORK Independent Contractor agrees to devote as much time, attention, and energy as necessary to complete or achieve the following: [Describe]. The above to be referred to in this Agreement as the \"Scope of Work\". It is expected that the Scope of Work will completed by [Date]. Independent Contractor shall additionally perform any and all tasks and duties associated with the Scope of Work set forth above, including but not limited to, work being performed already or related change orders. Independent Contractor shall not be entitled to engage in any activities which are not expressly set forth by this Agreement. The books and records related to the Scope of Work set forth in this Agreement shall be maintained by the Independent Contractor at the Independent Contractor's principal place of business and open to inspection by Company during regular working hours. Documents to which Company will be entitled to inspect include, but are not limited to, any and all contract documents, change orders/purchase orders and work authorized by Independent Contractor or Company on existing or potential projects related to this Agreement. Independent Contractor shall be responsible to the management and directors of Company, but Independent Contractor will not be required to follow or establish a regular or daily work schedule. Supply all necessary equipment, materials and supplies. Independent Contractor will not rely on the equipment or offices of Company for completion of tasks and duties set forth pursuant to this Agreement. Any advice given Independent Contractors regarding the scope of work shall be considered a suggestion only, not an instruction. Company retains the right to inspect, stop, or alter the work of Independent Contractor to assure its conformity with this Agreement. ASSURANCE OF SERVICES Independent Contractor will assure that the following individuals (the \"Key Employees\") will be available to perform, and will perform, the Services hereunder until they are completed (identify by title and name as applicable): [Name of Key Employee, Title] [Name of Key Employee, Title] The Key Employees may be changed only with the prior written approval of the Company, which approval shall not be unreasonably withheld. COMPENSATION Independent Contractor shall be entitled to compensation for performing those tasks and duties related to the Scope of Work as follows: [Describe] Such compensation shall become due and payable to Independent Contractor in the following time, place, and manner: [Describe] NOTICE CONCERNING WITHHOLDING OF TAXES Independent Contractor recognizes and understands that it will receive a [specify tax] statement and related tax statements, and will be required to file corporate and/or individual tax returns and to pay taxes in accordance with all provisions of applicable Federal and State law. Independent Contractor hereby promises and agrees to indemnify the Company for any damages or expenses, including attorney's fees, and legal expenses, incurred by the Company as a result of independent contractor's failure to make such required payments. AGREEMENT TO WAIVE RIGHTS TO BENEFITS Independent Contractor hereby waives and foregoes the right to receive any benefits given by Company to its regular employees, including, but not limited to, health benefits, vacation and sick leave benefits, profit sharing plans, etc. This waiver is applicable to all non-salary benefits which might otherwise be found to accrue to the Independent Contractor by virtue of their services to Company, and is effective for the entire duration of Independent Contractor's agreement with Company. This waiver is effective independently of Independent Contractor's employment status as adjudged for taxation purposes or for any other purpose. Neither this Agreement, nor any duties or obligations under this Agreement may be assigned by either party without the consent of the other. TERMINATION This Agreement may be terminated prior to the completion or achievement of the Scope of Work by either party giving [number] days written notice. Such termination shall not prejudice any other remedy to which the terminating party may be entitled, either by law, in equity, or under this Agreement. NON-DISCLOSURE OF TRADE SECRETS, CUSTOMER LISTS AND OTHER PROPRIETARY INFORMATION Independent Contractor agrees not to disclose or communicate, in any manner, either during or after Independent Contractor's agreement with Company, information about Company, its operations, clientele, or any other information, that relate to the business of Company including, but not limited to, the names of its customers, its marketing strategies, operations, or any other information of any kind which would be deemed confidential, a trade secret, a customer list, or other form of proprietary information of Company. Independent Contractor acknowledges that the above information is material and confidential and that it affects the profitability of Company. ","Independent Contractor Agreement",62,"https://templates.business-in-a-box.com/imgs/1000px/independent-contractor-agreement-D160.png","https://templates.business-in-a-box.com/imgs/250px/160.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#160.xml",{"title":6,"description":6},[141],{"label":142,"url":143},"Consultant & Contractors","consulting-contractor-business","independent contractor agreement","/template/independent-contractor-agreement-D160",{"description":147,"descriptionCustom":6,"label":148,"pages":8,"size":149,"extension":10,"preview":150,"thumb":151,"svgFrame":152,"seoMetadata":153,"parents":154,"keywords":160,"url":161},"Invoice Company: Complete Address: ______________________________________________________ Phone:_________________ Fax: ________________ Email: _____________________ INVOICE #: _____________ DATE: ________________ Bill to: Address: _______________________________________ City: __________________________________________ State/Province: ___________ Zip/postal code__________ Country: ________________ Phone: _________________ Fax: __________________ Email: _________________________________________ Ship To:","Commercial Sales Invoice",42,"https://templates.business-in-a-box.com/imgs/1000px/sales-invoice-D383.png","https://templates.business-in-a-box.com/imgs/250px/383.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#383.xml",{"title":6,"description":6},[155,157],{"label":31,"url":156},"finance-accounting",{"label":158,"url":159},"Invoices & Receipts","invoice-receipt","sales invoice","/template/sales-invoice-D383",{"description":163,"descriptionCustom":6,"label":164,"pages":165,"size":9,"extension":10,"preview":166,"thumb":167,"svgFrame":168,"seoMetadata":169,"parents":171,"keywords":170,"url":179},"EMPLOYMENT AGREEMENT - AT WILL EMPLOYEE This Employment Agreement for \"At Will\" Employee (the \"Agreement\") is made and effective this [DATE], BETWEEN: [EMPLOYEE NAME] (the \"Employee\"), an individual with his main address at: [COMPLETE ADDRESS] AND: [YOUR COMPANY NAME] (the \"Corporation\"), an entity organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] RECITALS In consideration of the covenants and agreements herein contained and the moneys to be paid hereunder, the Corporation hereby employs the Employee and the Employee hereby agrees to perform services as an employee of the Corporation, on an \"at will\" basis, upon the following terms and conditions: APPOINTMENT The Employee is hereby employed by the Corporation to render such services and to perform such tasks as may be assigned by the Corporation. The Corporation may, in its sole discretion, increase or reduce the duties, or modify the title and job description, of the Employee from time to time, and any such increase, reduction or modification shall not be deemed a termination of this Agreement. ACCEPTANCE OF EMPLOYMENT Employee accepts employment with the Corporation upon the terms set forth above and agrees to devote all Employee's time, energy and ability to the interests of the Corporation, and to perform Employee's duties in an efficient, trustworthy and business-like manner. DEVOTION OF TIME TO EMPLOYMENT The Employee shall devote the Employee's best efforts and substantially all of the Employee's working time to performing the duties on behalf of the Corporation. The Employee shall provide services during the hours that are scheduled by the Corporation management. The Employee shall be prompt in reporting to work at the assigned time. NO CONFLICT OF INTEREST Employee shall not engage in any other business while employed by the Corporation. Employee shall not engage in any activity that conflicts with the Employees duties to the Corporation. Employee shall not provide any service or lend any aid or assistance to any party that competes with the services offered by the Corporation. Employee shall not provide any services to clients or prospective clients of the Corporation outside of the provision of services for the Corporation, whether such services are provided with or without compensation or remuneration. CORPORATION PROPERTY Employee acknowledges and agrees that while employed by the Corporation the Employee may be provided with use of computer equipment and other property of the Corporation. The use and possession of the such items shall be subject to any policies, requirements or restrictions established by the Corporation. Such items may only be used in performance of the Employee's duties for the corporation. On request of the Corporation, the Employee shall immediately deliver any such items to the Corporation. Upon termination of employment, Employee shall have the affirmative duty to return any such item to the Corporation whether a request is made or not. The obligation to return Corporation property shall extend and include any and all work product, client property, proprietary rights, intangible property, and all other property of the corporation regardless of the form or medium. COMPENSATION The Corporation shall pay the Employee such hourly compensation as determined by the Corporation. Payment shall be at the same time as the Corporations usual payroll to other employees. BONUS & BENEFITS Payment of any bonuses shall be at the complete discretion of the Corporation. No guarantee or representation that any bonuses will be paid has been made to the Employee. Standard benefits that are provided to other non-management employees shall be offered to the Employee, subject to the Corporation's policies and the terms and conditions of such benefits. WITHHOLDING All sums payable to Employee under this Agreement will be reduced by all federal, state, local, and other withholdings and similar taxes and payments required by applicable law. QUALIFICATIONS OF EMPLOYEE The employee shall satisfy all of the qualification that are established by the Corporation. TERM OF AGREEMENT There shall be no guaranteed term of employment. Employer acknowledges and agrees that Employee shall be an \"At Will\" Employee and that Employee's employment may be terminated at any time by the Corporation, with or without cause. FEES FROM EMPLOYEE'S WORK The Corporation shall have exclusive authority to determine the fees, or a procedure for establishing the fees, to be charged to clients by the Corporation for services that are provided by the Employee. All sums paid to the Employee or the Corporation in the way of fees, in cash or in kind, or otherwise for services of the Employee, shall, except as otherwise specifically agreed by the Corporation, be and remain the property of the Corporation and shall be included in the Corporation's name in such checking account or accounts as the Corporation may from time to time designate. CLIENTS AND CLIENT RECORDS The Corporation shall have the authority to determine who will be accepted as clients of the Corporation, and the Employee recognizes that such clients accepted are clients of the Corporation and not the Employee. All client records and files of any type concerning clients of the Corporation shall belong to and remain the property of the Corporation, notwithstanding the subsequent termination of the employment. POLICIES AND PROCEDURES The Corporation shall have the authority to establish from time to time the policies and procedures to be followed by the Employee in performing services for the Corporation. This may include, but is not necessarily limited to, employment policies, computer use policies, Internet access policies, email policies, and all other policies, procedures, directives, and mandates established by the Corporation, whether or not in written form or formally adopted. Employee shall abide by the provisions of any contract entered into by the Corporation under which the Employee provides services. Employee shall comply with the terms and conditions of any and all contracts entered by the Corporation. TERMINATION Employee acknowledges and agrees that Employee is an \"at will\" employee of the Corporation. As such, no term of employment is created hereby and employee may be terminated at any time in the sole discretion of the Corporation, whether there exists any cause for termination or not. CREATIONS AND INVENTIONS Employee acknowledges and agrees that any and all work product of the Employee that is conceived or created during the Employee's employment with the Corporation is the exclusive property of the Corporation. This shall include any and all copyrights, trade secrets, confidential information, patents, trademarks, trade dress, ideas, concepts, plans, business plans, business concepts, techniques, inventions, drawings, artwork, logos, graphics, web pages, databases, software, programs, CGI's, plug ins, applications, brochures, inventions, marketing plans and concepts, and all other ideas and work product of the Employee. The Employee acknowledges and agrees that all creations shall be \"works made for hire\" as defined in the [ACT OR CODE]. Notwithstanding the fact that this material may be considered to be a work made for hire, Employee agrees, during Employee's employment and thereafter, which covenant shall survive any termination of the employment relationship, to execute any and all documents requested by the Corporation to confirm the Corporation's ownership and control of all such material, including but not limited to assignments of copyright, confirmations of work for hire status, waivers of proprietary rights, copyright application, and any other documents requested by Corporation. RESTRICTIVE COVENANTS","Employment Agreement_At Will Employee","7","https://templates.business-in-a-box.com/imgs/1000px/employment-agreement_at-will-employee-D541.png","https://templates.business-in-a-box.com/imgs/250px/541.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#541.xml",{"title":170,"description":6},"employment agreement_at will employee",[172,175,178],{"label":173,"url":174},"Human Resources","human-resources",{"label":176,"url":177},"Hire an Employee","hire-employee",{"label":96,"url":97},"/template/employment-agreement_at-will-employee-D541",false,{"seo":182,"reviewer":194,"legal_disclaimer":198,"quick_facts":199,"at_a_glance":201,"personas":205,"variants":230,"glossary":258,"clauses":292,"how_to_fill":338,"common_mistakes":379,"faqs":404,"industries":432,"comparisons":449,"diy_vs_lawyer":463,"jurisdictions":476,"related_template_ids_curated":497,"schema":508,"classification":509},{"meta_title":183,"meta_description":184,"primary_keyword":185,"secondary_keywords":186},"Credit Information Request Template (Free Word)","Free credit information request template for businesses extending trade credit. Covers authorization, references, bank details, and consent. Free Word and PDF download.","credit information request template",[187,188,189,190,191,192,193],"credit reference request template","trade credit information request form","credit inquiry authorization form","credit information request letter","vendor credit application template","credit reference form template free","business credit reference letter template",{"name":195,"credential":196,"reviewed_date":197},"Bruno Goulet","CEO, Business in a Box","2026-05-02",true,{"difficulty":200,"legal_review_recommended":198,"signature_required":198,"notarization_required":180},"medium",{"what_it_is":202,"when_you_need_it":203,"whats_inside":204},"A Credit Information Request is a legally structured document a business sends to a prospective customer or supplier to authorize the collection, release, and review of credit-related information before extending trade credit or establishing a credit account. This free Word download is editable online and can be exported as PDF — covering authorization language, reference contacts, bank details, and signed consent in a single form.\n","Use it before opening a new trade credit account, approving a net-terms arrangement, or onboarding a supplier or customer whose creditworthiness has not been previously verified. It is also used when renegotiating credit limits with existing accounts that have changed ownership or financial status.\n","Applicant identification and business details, credit limit requested, authorization to contact trade and bank references, release of liability for references who respond in good faith, signed consent complying with applicable data protection requirements, and a reference contact list with account history fields.\n",[206,210,214,218,222,226],{"title":207,"use_case":208,"icon_asset_id":209},"Accounts receivable managers","Vetting new customers before approving net-30 or net-60 trade credit accounts","persona-accounts-receivable-manager",{"title":211,"use_case":212,"icon_asset_id":213},"Small business owners","Collecting credit references from prospective clients before delivering goods on account","persona-small-business-owner",{"title":215,"use_case":216,"icon_asset_id":217},"Wholesale distributors","Onboarding retailers with credit accounts and verifying payment history with other suppliers","persona-distributor",{"title":219,"use_case":220,"icon_asset_id":221},"Procurement managers","Assessing vendor financial stability before entering long-term supply agreements","persona-procurement-manager",{"title":223,"use_case":224,"icon_asset_id":225},"Credit analysts","Formalizing the reference-gathering step of a structured credit underwriting process","persona-credit-analyst",{"title":227,"use_case":228,"icon_asset_id":229},"Construction and trade contractors","Requesting credit information from material suppliers before committing to project-based purchasing on account","persona-contractor",[231,234,238,242,246,250,254],{"situation":232,"recommended_template":7,"slug":233},"Extending trade credit to a new business customer","credit-information-request-D259",{"situation":235,"recommended_template":236,"slug":237},"Collecting a full credit application for a new account","Business Credit Application","business-credit-application-D247",{"situation":239,"recommended_template":240,"slug":241},"Formally approving credit terms after references are verified","Credit Agreement","credit-agreement-D416",{"situation":243,"recommended_template":244,"slug":245},"Following up on an overdue account after credit was extended","Collection Letter","collection-letter-to-eliminate-disputes-D190",{"situation":247,"recommended_template":248,"slug":249},"Notifying a customer that their credit application was declined","Credit Denial Letter","denial-of-credit-D264",{"situation":251,"recommended_template":252,"slug":253},"Requesting a credit limit increase for an established account","Credit Limit Increase Request","request-increase-of-credit-limit-D297",{"situation":255,"recommended_template":256,"slug":257},"Documenting agreed payment terms between supplier and buyer","Payment Terms Agreement","agreement-to-extend-debt-payment-terms-D386",[259,262,265,268,271,274,277,280,283,286,289],{"term":260,"definition":261},"Trade Credit","An arrangement where a supplier allows a buyer to receive goods or services and pay within an agreed period, typically net 30, net 60, or net 90 days.",{"term":263,"definition":264},"Credit Reference","A third party — typically a supplier or lender — who can confirm an applicant's payment history and creditworthiness based on direct experience.",{"term":266,"definition":267},"Authorization Clause","The section of a credit request in which the applicant gives written consent for the requesting party to contact references and obtain financial information.",{"term":269,"definition":270},"Release of Liability","A provision protecting references and the requesting party from legal claims arising from the good-faith disclosure or receipt of credit information.",{"term":272,"definition":273},"Net Terms","Payment terms specifying the number of days after invoice date within which full payment is due — commonly net 30, net 60, or net 90.",{"term":275,"definition":276},"Days Sales Outstanding (DSO)","The average number of days it takes a business to collect payment after a sale — a key indicator of credit risk and collection efficiency.",{"term":278,"definition":279},"Credit Limit","The maximum outstanding balance a supplier will allow a customer to carry at any one time under a trade credit arrangement.",{"term":281,"definition":282},"Personal Guarantee","A commitment by a business owner or officer to be personally liable for the business's credit obligations if the entity fails to pay.",{"term":284,"definition":285},"FCRA (Fair Credit Reporting Act)","A US federal law governing the collection, use, and sharing of consumer credit information — relevant when the credit applicant is an individual or sole proprietor.",{"term":287,"definition":288},"Credit Bureau","An agency that collects and maintains credit history data on businesses and individuals — examples include Dun & Bradstreet, Equifax Business, and Experian Business.",{"term":290,"definition":291},"GDPR (General Data Protection Regulation)","EU law regulating how personal data — including financial information — may be collected, stored, and processed, applicable when the applicant or reference is located in the EU.",[293,298,303,308,313,318,323,328,333],{"name":294,"plain_english":295,"sample_language":296,"common_mistake":297},"Applicant Identification and Business Details","Captures the legal name, trading name, address, entity type, tax ID, and years in business of the credit applicant.","Legal Business Name: [LEGAL ENTITY NAME] | DBA: [TRADING NAME] | Entity Type: [CORPORATION / LLC / PARTNERSHIP / SOLE PROPRIETOR] | Tax ID / EIN: [TAX ID NUMBER] | Years in Business: [X] | Annual Revenue (approximate): $[AMOUNT]","Accepting a trading name instead of the registered legal entity name — if the account goes to collections, legal action must target the correct legal entity, and a mismatch creates enforcement delays.",{"name":299,"plain_english":300,"sample_language":301,"common_mistake":302},"Credit Limit Requested","States the dollar amount of trade credit the applicant is requesting and the preferred payment terms.","Requested Credit Limit: $[AMOUNT] | Requested Payment Terms: Net [30 / 60 / 90] days from invoice date | Purchase frequency: [ESTIMATED MONTHLY VOLUME]","Omitting this field and setting the limit internally without documenting the applicant's own request — leaving no benchmark to compare against the credit decision made after references are reviewed.",{"name":304,"plain_english":305,"sample_language":306,"common_mistake":307},"Trade Reference Contacts","Lists two to four existing suppliers or creditors the applicant authorizes the requesting party to contact to verify payment history.","Reference 1: Company Name: [REFERENCE COMPANY NAME] | Contact: [NAME / TITLE] | Phone: [NUMBER] | Account open since: [DATE] | High credit: $[AMOUNT] | Current balance: $[AMOUNT] | Payment history: [CURRENT / PAST DUE / SLOW]","Accepting only one reference, or failing to verify that the reference contact is the actual AP or credit department — personal references or sales contacts rarely have access to payment history data.",{"name":309,"plain_english":310,"sample_language":311,"common_mistake":312},"Bank Reference","Authorizes the requesting party to contact the applicant's bank to confirm account standing, average balance range, and length of relationship.","Bank Name: [BANK NAME] | Branch: [CITY / STATE] | Account Type: [CHECKING / LINE OF CREDIT] | Account Number (last 4): [XXXX] | Contact Name: [BANKER NAME] | Phone: [NUMBER]","Treating the bank reference as optional. Banks will confirm basic account standing when presented with a signed authorization — skipping it means missing the most objective credit signal in the form.",{"name":314,"plain_english":315,"sample_language":316,"common_mistake":317},"Authorization to Obtain and Release Credit Information","The applicant's signed consent authorizing both the requesting party to gather information and each reference to release it, without which references may lawfully refuse to respond.","The undersigned hereby authorizes [REQUESTING COMPANY NAME] to obtain credit and financial information from the references listed above, and authorizes each reference to release such information to [REQUESTING COMPANY NAME] in connection with this credit application.","Using a generic authorization that fails to name the requesting company specifically — some references reject releases that do not identify the recipient by name, which voids the consent in practice.",{"name":319,"plain_english":320,"sample_language":321,"common_mistake":322},"Personal Guarantee (If Applicable)","A clause in which a business principal or owner personally guarantees the account obligations if the business entity fails to pay.","The undersigned principal of [COMPANY NAME] personally and unconditionally guarantees payment of all amounts owed under this credit account and agrees to be personally liable for any balance not paid by [COMPANY NAME] within [X] days of the due date.","Including the personal guarantee section without clearly flagging it to the signer — courts in several jurisdictions have voided personal guarantees when the signer demonstrates they did not knowingly accept personal liability.",{"name":324,"plain_english":325,"sample_language":326,"common_mistake":327},"Release of Liability for References","Protects any reference who responds to a credit inquiry in good faith from legal claims by the applicant arising from the information disclosed.","The applicant hereby releases [REQUESTING COMPANY NAME] and each credit reference from any and all liability for damages arising from the release, receipt, or use of credit information provided in good faith in connection with this application.","Omitting the release entirely — without it, a reference who discloses negative payment history could face a defamation or tortious interference claim from the applicant, making references reluctant to respond honestly.",{"name":329,"plain_english":330,"sample_language":331,"common_mistake":332},"Data Use and Privacy Consent","Discloses how the collected information will be stored, used, and protected, and obtains consent in compliance with applicable privacy laws.","The information collected in this form will be used solely to evaluate this credit application and to manage the resulting account. It will be retained for [X] years and will not be shared with third parties except as required by law or as necessary to administer this account. By signing, applicant consents to this use.","Using a boilerplate privacy clause that does not reflect actual data retention practices — regulators in the EU and Canada have assessed penalties for consent language that does not match what the company actually does with the data.",{"name":334,"plain_english":335,"sample_language":336,"common_mistake":337},"Certification and Signature","The applicant certifies that all information provided is accurate and complete, and signs and dates the form to validate the authorization and consent.","I/We certify that the information provided in this application is true, accurate, and complete to the best of my/our knowledge. Signature: _______________ | Printed Name: [NAME] | Title: [TITLE] | Date: [DATE]","Accepting a signature without a printed name and title — if the signatory leaves the company or the signature is disputed, there is no way to confirm who executed the document or whether they had authority to bind the entity.",[339,344,349,354,359,364,369,374],{"step":340,"title":341,"description":342,"tip":343},1,"Enter your company's information as the requesting party","Add your legal entity name, address, phone, and accounts receivable contact to the header. This identifies who is making the request and receiving the information.","Include your company's tax ID in the header if your industry or jurisdiction requires the requesting party to be identified for data protection purposes.",{"step":345,"title":346,"description":347,"tip":348},2,"Send the form to the credit applicant before opening the account","Deliver the blank form to the applicant by email or postal mail. Do not prefill any of the applicant's details — require them to complete the form themselves so the information is self-certified.","Set a clear deadline for return — 5 to 10 business days is standard. Accounts that take more than 15 days to return a credit form often signal disorganized AP processes.",{"step":350,"title":351,"description":352,"tip":353},3,"Review the applicant identification section for completeness","Confirm the legal entity name matches their business registration, that the tax ID is present, and that the entity type is specified. Run a basic secretary-of-state lookup to confirm the entity is in good standing.","A mismatch between the legal name on the form and the name on their invoices or website is worth clarifying before proceeding — it may indicate a DBA or an entity structure you were not aware of.",{"step":355,"title":356,"description":357,"tip":358},4,"Contact each trade reference directly","Call or email each reference using the contact information provided. Ask specifically for: how long the account has been open, the high credit amount, current balance, and whether the account pays on time.","Do not rely solely on written responses. A 2-minute phone call to the reference's credit department yields more candid information than a form response that the applicant may have coached.",{"step":360,"title":361,"description":362,"tip":363},5,"Contact the bank reference with the signed authorization","Send or fax the signed bank reference section to the listed bank branch. Most banks will confirm account standing, approximate balance range, and relationship length when a signed release is presented.","Bank confirmations are typically returned within 2 to 5 business days. Follow up once if you have not received a response after 5 business days.",{"step":365,"title":366,"description":367,"tip":368},6,"Evaluate the personal guarantee section and confirm authority","If your credit policy requires a personal guarantee for new accounts below a certain revenue threshold or for sole proprietors, confirm the signer holds the title shown and has authority to bind both the entity and themselves personally.","For LLCs and corporations, request a certificate of authority or board resolution confirming the signer can execute personal guarantees on behalf of the entity.",{"step":370,"title":371,"description":372,"tip":373},7,"Document your credit decision and file the completed form","Record the approved credit limit, payment terms, and decision date on the form or in your credit management system. Retain the signed original with all reference responses as a single file.","Store credit files for a minimum of 7 years — reference responses and signed authorizations are primary evidence if an account goes to collections or the credit decision is later disputed.",{"step":375,"title":376,"description":377,"tip":378},8,"Communicate the credit decision to the applicant in writing","Issue a credit approval or denial letter that states the approved limit, terms, and any conditions. If denying credit based on reference information, follow applicable adverse action notice requirements in your jurisdiction.","In the US, adverse action notices under the FCRA are required when a consumer credit report was used in the decision, even if the applicant is a business with a sole proprietor.",[380,384,388,392,396,400],{"mistake":381,"why_it_matters":382,"fix":383},"Accepting a trading name instead of the registered legal entity name","If the account defaults and you need to pursue collections or litigation, a mismatch between the name on the credit form and the registered legal entity can force you to refile or lose priority against other creditors.","Require the applicant to provide the exact name as it appears on their state or provincial business registration. Run a free secretary-of-state lookup to verify before approving the account.",{"mistake":385,"why_it_matters":386,"fix":387},"Skipping the bank reference","Trade references are provided by the applicant and can be selectively chosen to present a favorable picture. A bank reference is the most independent signal available and takes 2 to 5 business days to obtain.","Make the bank reference section mandatory, not optional. A signed authorization is all that is needed for most banks to confirm basic account standing.",{"mistake":389,"why_it_matters":390,"fix":391},"Using a personal guarantee clause without flagging it clearly","Courts in several jurisdictions have voided personal guarantees embedded in multi-page credit applications when signers demonstrate they were not made aware they were accepting personal liability.","Set the personal guarantee section apart with a visible header, require a separate initials box beside it, and include a sentence stating explicitly that the signer is accepting personal liability.",{"mistake":393,"why_it_matters":394,"fix":395},"Not including a release of liability for references","Without a liability release, references may be reluctant to disclose negative payment history for fear of a defamation or tortious interference claim from the applicant, resulting in vague or unhelpful responses.","Include a clearly worded release clause covering both the requesting party and all references for good-faith disclosures, and ensure the applicant signs it as part of the authorization block.",{"mistake":397,"why_it_matters":398,"fix":399},"Filing the form without documenting the credit decision","A signed credit form with no record of the decision made — approved limit, terms, date — is not actionable if the account is later disputed or the credit limit needs to be adjusted.","Complete a credit decision record attached to or stamped on the form before filing: approved credit limit, payment terms, date of decision, and approving officer's name.",{"mistake":401,"why_it_matters":402,"fix":403},"Omitting a data use and privacy consent clause","Collecting financial and personal information from a business applicant without a documented privacy consent can violate GDPR in the EU, PIPEDA in Canada, and state privacy laws in the US — exposing the requesting company to regulatory penalties.","Include a brief data use disclosure stating what information is collected, how it is stored, how long it is retained, and that it will not be shared beyond account administration. Require the applicant's signature on this clause.",[405,408,411,414,417,420,423,426,429],{"question":406,"answer":407},"What is a credit information request?","A credit information request is a document a business sends to a prospective customer or supplier to authorize the collection and release of credit-related information before extending a trade credit account. It typically includes fields for trade references, a bank reference, signed authorization for contact, and a release of liability — forming the evidentiary basis for a credit decision. It differs from a credit application in that it focuses on the authorization and reference components rather than the financial statements or scoring model.\n",{"question":409,"answer":410},"Is a credit information request legally binding?","The authorization and release sections are generally enforceable as binding consent when the form is properly signed and dated by an authorized representative of the applicant. The personal guarantee section, if included, creates a separate legally binding obligation on the individual signatory. The document does not itself create a credit obligation — that is typically established by a separate credit agreement or terms of sale once the request is approved.\n",{"question":412,"answer":413},"What information should a credit information request include?","At minimum: the applicant's legal entity name and tax ID, the credit limit and terms requested, two to four trade references with account history fields, a bank reference with signed release, an authorization clause naming the requesting company, a release of liability for good-faith disclosures, a data use and privacy consent, and a certification and signature block. For higher-risk accounts, a personal guarantee section is standard practice.\n",{"question":415,"answer":416},"Do I need a signed authorization to contact credit references?","Yes. Most trade references and banks will not release account information without a signed authorization from the applicant. Without one, you are relying on the reference's voluntary cooperation, which is inconsistent and leaves you without documented consent if the applicant later disputes the inquiry. A signed authorization also protects references from liability for disclosures made in good faith.\n",{"question":418,"answer":419},"How long should I retain a completed credit information request?","Retaining completed credit forms for a minimum of 7 years is standard practice in most jurisdictions. This covers the typical statute of limitations for contract and debt collection claims. If the account results in litigation or a bankruptcy filing, the original signed form and all reference responses are primary evidence. Some regulated industries require longer retention — verify with your compliance team.\n",{"question":421,"answer":422},"What is the difference between a credit information request and a business credit application?","A credit information request focuses specifically on authorizing and collecting third-party reference data — trade references and bank confirmations — as part of the credit evaluation process. A business credit application is broader: it typically adds financial statements, ownership structure, revenue history, and a full credit scoring process. The request is often used as a standalone document for trade credit decisions under $50,000; a full application is more common for larger lines or formal lending arrangements.\n",{"question":424,"answer":425},"Do privacy laws like GDPR affect how I use a credit information request?","Yes, if the applicant or any of the references are located in the EU or the UK. GDPR requires that personal data — including financial information about individuals or sole proprietors — be collected with a documented lawful basis, disclosed through a privacy notice, and retained no longer than necessary. For B2B credit requests involving corporate entities only, GDPR applicability is reduced but not eliminated if any individual's data is collected. Canada's PIPEDA imposes similar consent requirements. Including a data use clause in the form addresses most compliance requirements in practice.\n",{"question":427,"answer":428},"Should I require a personal guarantee for every trade credit account?","Not necessarily. Personal guarantees are most appropriate for sole proprietors, single-member LLCs, and new businesses with limited credit history, or for accounts where the requested limit exceeds a threshold your credit policy defines. For established corporations with a verified track record and strong trade references, requiring a personal guarantee may be unnecessary and can damage the commercial relationship. Calibrate the requirement to your credit risk threshold and document the policy consistently.\n",{"question":430,"answer":431},"What should I do if a trade reference gives a negative report?","A single negative reference is not necessarily disqualifying — follow up to understand the context, such as a dispute that was later resolved or a period of financial difficulty the applicant has since exited. Two or more consistent negative references, or a bank report indicating insufficient average balances, should trigger either a credit denial, a reduced initial limit, or a requirement for prepayment until the account establishes a history with you. Document your rationale before communicating the decision.\n",[433,437,441,445],{"industry":434,"icon_asset_id":435,"specifics":436},"Wholesale and Distribution","industry-wholesale","High transaction volumes and net-60 or net-90 terms make reference verification essential — distributors routinely carry six-figure receivables per account and face concentrated credit risk.",{"industry":438,"icon_asset_id":439,"specifics":440},"Construction and Trades","industry-construction","Material suppliers and subcontractors use credit requests to vet general contractors and project owners before delivering on account, given project delays and retainage practices that can compress payment timelines significantly.",{"industry":442,"icon_asset_id":443,"specifics":444},"Manufacturing","industry-manufacturing","Manufacturers extending credit to OEM customers or distributors verify trade references alongside financial statements, as large order volumes and custom production runs create significant exposure if a buyer defaults mid-production.",{"industry":446,"icon_asset_id":447,"specifics":448},"Professional Services","industry-professional-services","Law firms, accounting practices, and staffing agencies use credit information requests when onboarding corporate clients on retainer billing, verifying that the client entity has a history of paying professional services invoices on time.",[450,453,456,459],{"vs":236,"vs_template_id":451,"summary":452},"D{BUSINESS_CREDIT_APPLICATION_ID}","A business credit application is a broader document that captures financial statements, ownership structure, and full credit scoring inputs in addition to references and authorizations. A credit information request focuses specifically on the authorization and reference-gathering components. For trade credit decisions under $50,000, the request alone is often sufficient; a full application is more common for formal lending or larger revolving credit lines.",{"vs":240,"vs_template_id":454,"summary":455},"D{CREDIT_AGREEMENT_ID}","A credit agreement is the binding contract that establishes the approved credit limit, payment terms, interest on overdue balances, and remedies for default — executed after the credit decision is made. A credit information request is the pre-decision document used to gather the information that supports the credit agreement. The request comes first; the agreement governs the ongoing relationship.",{"vs":244,"vs_template_id":457,"summary":458},"D{COLLECTION_LETTER_ID}","A collection letter is a post-default document used to demand payment on an overdue account. A credit information request is a pre-credit document used to assess risk before a line is opened. The two documents sit at opposite ends of the credit lifecycle — the request is designed to prevent the situations that a collection letter is used to address.",{"vs":460,"vs_template_id":461,"summary":462},"Non-Disclosure Agreement","non-disclosure-agreement-nda-D12692","An NDA protects confidential business information shared between parties in a commercial relationship. A credit information request does share sensitive financial data — but its release mechanism is consent-based authorization rather than mutual confidentiality obligations. For applicants concerned about financial data disclosure, combining a credit request with an NDA or confidentiality clause is sometimes appropriate in higher-stakes supplier relationships.",{"use_template":464,"template_plus_review":468,"custom_drafted":472},{"best_for":465,"cost":466,"time":467},"Businesses extending standard trade credit under $50,000 to domestic commercial customers","Free","15 minutes to complete per applicant",{"best_for":469,"cost":470,"time":471},"Companies with high-volume credit programs, cross-border accounts, or personal guarantee requirements","$200–$500 for a one-time credit policy and form review by a commercial attorney","3–5 business days",{"best_for":473,"cost":474,"time":475},"Financial institutions, regulated lenders, or businesses extending credit exceeding $100,000 with complex multi-jurisdiction exposure","$1,000–$3,000+","1–2 weeks",[477,482,487,492],{"code":478,"name":479,"flag_asset_id":480,"note":481},"us","United States","flag-us","The Fair Credit Reporting Act (FCRA) governs use of consumer credit reports and requires adverse action notices when a consumer report influences a credit decision — relevant for sole proprietors and personally guaranteed accounts. The Equal Credit Opportunity Act (ECOA) prohibits discriminatory credit decisions. State laws vary on personal guarantee enforceability, with some states requiring specific disclosure language for guarantees to be enforceable. Retention of credit records for at least 7 years is standard to cover the UCC statute of limitations on commercial claims.",{"code":483,"name":484,"flag_asset_id":485,"note":486},"ca","Canada","flag-ca","PIPEDA (and provincial equivalents including Quebec's Law 25) requires informed consent before collecting personal financial information from individuals, including sole proprietors and personal guarantors. The consent clause in the form must clearly describe what data is collected, why, and how long it is retained. Quebec's Law 25, effective 2023, imposes stricter requirements including a privacy impact assessment for sensitive data. Personal guarantees in Ontario and British Columbia are enforceable without notarization but must be in writing and signed before the credit obligation arises.",{"code":488,"name":489,"flag_asset_id":490,"note":491},"uk","United Kingdom","flag-uk","UK GDPR and the Data Protection Act 2018 require a documented lawful basis for processing financial information collected in a credit request — legitimate interests or contractual necessity are the most common bases for B2B credit. The Consumer Credit Act 1974 applies when the applicant is an individual or sole trader and the credit extended exceeds £25,000, imposing additional disclosure and agreement format requirements. Personal guarantees are generally enforceable in England and Wales when in writing and signed, but the Unfair Contract Terms Act 1977 may apply if terms are deemed unreasonable.",{"code":493,"name":494,"flag_asset_id":495,"note":496},"eu","European Union","flag-eu","GDPR applies to any credit information request that collects personal data about individuals — including beneficial owners, directors, or sole proprietors — regardless of whether the applicant entity is a corporation. A valid consent or legitimate interest assessment is required, and the applicant must be provided a privacy notice at the point of collection. Several member states, including Germany and France, have additional national data protection requirements beyond GDPR. Cross-border credit requests involving applicants in multiple EU states should reference the data controller's lead supervisory authority in the privacy clause.",[498,461,499,500,501,502,503,504,505,506,257,507],"credit-note-D13639","purchase-order-D1411","service-agreement-D12711","independent-contractor-agreement-D160","sales-invoice-D383","employment-agreement_at-will-employee-D541","job-offer-letter-long-D12769","small-business-expense-report-D13396","financial-projections_12-months-D360","business-plan-canvas-(one-page)-D12527",{"emit_how_to":198,"emit_defined_term":198},{"primary_folder":156,"secondary_folder":510,"document_type":511,"industry":512,"business_stage":513,"tags":514,"confidence":518},"credit-management","form","general","all-stages",[511,515,510,516,517],"credit-information-request","authorization","trade-credit",0.92,"\u003Ch2>What is a Credit Information Request?\u003C/h2>\n\u003Cp>A \u003Cstrong>Credit Information Request\u003C/strong> is a legally structured document a business uses to authorize the collection and release of credit-related information from trade references and banking institutions before extending a credit account to a new customer or supplier. It identifies the applicant's legal entity, states the credit limit and payment terms being sought, and obtains signed consent for the requesting party to contact references — along with a release of liability for good-faith disclosures. The form functions as both a due-diligence instrument and a documented consent record, creating an enforceable paper trail that supports the credit decision and satisfies data protection requirements in most major jurisdictions.\u003C/p>\n\u003Ch2>Why You Need This Document\u003C/h2>\n\u003Cp>Extending trade credit without a signed credit information request leaves your business exposed on several fronts at once. Without documented authorization, trade references and banks may lawfully refuse to share payment history — leaving you with no independent verification of the applicant's claims. Without a release of liability clause, honest references face legal risk for disclosing negative account information, which means you receive vague or deliberately unhelpful responses. Without a signed personal guarantee section for high-risk accounts, you have no recourse against the business principals if the entity defaults and dissolves. And without a data use and privacy consent clause, collecting and storing financial information from applicants in Canada, the EU, or the UK may violate PIPEDA, GDPR, or equivalent regulations. This template closes all four gaps in a single document — giving your credit team a consistent, defensible process for every new account, and a signed record that stands up in collections proceedings if the relationship goes wrong.\u003C/p>\n",1781186009446]