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Collecting information on a small business owner can be difficult for a financial institution. With a business owner profile, they can get more complete information about the owner. A typical commercial credit report will only include information on the business. With a business owner profile, a lender can see information on the personal credit report for the owner, as well. This is important since a small business owner will often use personal assets as collateral for loans to help the business. If the owner is overextended personally, it may increase the risk of default on a loan for the business. Basically, it is making small business credit reporting better, since it is easier to identify higher risk small business owners and provide a more complete picture when determining credit worthiness.