Fmcainc

Furniture Manufacturers Credit Association (FMCA) — A monthly pooled accounts-receivable panel of the US home-furnishings supply chain: aggregated account-level trade-credit data contributed monthly by 300+ credit professionals across 70+ suppliers, including factoring firms. Metrics per retailer-buyer account include average days slow, high balance, past-due percentage and last-sale date. The panel's distinctive property is that it captures the sector's largest source of working capital — unsecured Net-30/Net-60 vendor credit — which is structurally absent from national business-credit-burea…

Fmcainc offers (Alternative, Fundamental, Supply Chain) — Modest in raw rows, exceptional in exclusivity: est. thousands of active retailer-buyer accounts observed monthly across six-figure merchandise balances, giving low hundreds of thousands of account-month observations over a multi-year archive. The value is not volume — it is that these receivables are unsecured, material, and unobservable in any bureau or public dataset..

Retail-counterparty credit risk and insolvency early warning weeks or months ahead of public signals — the stated use is tightening terms and reducing write-offs before a buyer fails; supplier credit-limit and exposure calibration against peers extending credit to the same buyer; sector-level retail health nowcasting from aggregate payables behaviour, which is a genuinely independent signal from sales or traffic data; distressed-asset and bankruptcy-claim trading, where last-sale date and days-slow trajectories are directly actionable; private-credit underwriting and portfolio monitoring for lenders whose borrowers' other hidden leverage is visible here; supply-chain risk management for public retailers and their investors; and for a frontier-data buyer, a rare labelled dataset of B2B payment behaviour on an unsecured-credit population, usable to train counterparty-default and payment-delay models that cannot be built from bureau data because bureau data measures punctuality on small visible accounts rather than pressure on the balances that matter.

The data is with 20 years of history.

Coverage spans US; Household Products, Specialty Stores, Financial Exchanges & Data; alternative, fundamental, supply_chain; equities, fixed_income.