> ## Documentation Index
> Fetch the complete documentation index at: https://docs.creditriskmonitor.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Data-as-a-Service (DaaS)

> Unlock CreditRiskMonitor’s Business Intelligence Your Way

CreditRiskMonitor’s **Data-as-a-Service (DaaS)** offers an alternative and highly flexible way to access our **rich business and financial datasets**. Whether you’re a financial analyst, risk manager, investor, or developer, our **DaaS API empowers you with real-time data insights** tailored to your needs—without requiring a full subscription to our platform.

## Flexible Access Models

We provide two distinct access models to fit your needs:

### 1. **Full Access with a Business Subscription**

* **Unrivaled Financial Insights**

Subscribers to **CreditRiskMonitor’s business services** gain **full access to our API**, unlocking ove**r 300+ financial data points per company**. This includes detailed financial statements, predictive risk analytics, peer benchmarking, and trade payment data—essential tools for in-depth credit risk analysis.

* **Beyond Data: A Complete Research Platform**

In addition to API access, **subscribers enjoy our powerful research platform**, including:

✅ **Deep-dive company reports** with financial trends, ratios, and red flags

✅ **Proprietary FRISK® & PAYCE® scores** for bankruptcy prediction

✅ **Curated business news & alerts**

✅ **Full access to SEC filings, trade payment histories, and management commentary**

✅ **Dedicated account management & customer support**

This model is perfect for **credit risk teams and procurement professionals** who need real-time data and **interactive research tools** to assess business risk comprehensively.

### 2. **Essentials Access (API-Only)**

* **Essential Data for Essential Decisions**

For businesses that need **basic financial and risk insights** without a full CreditRiskMonitor subscription, our Essentials API provides access to key financial indicators—ideal for companies that require a cost-effective data solution.

* **What You Get with Essentials Access:**

✅ Core financial data (limited to financial ratios and basic business information)

✅ Proprietary FRISK® & PAYCE® scores for bankruptcy prediction

This model is best for startups, data aggregators, and businesses needing fundamental risk insights without deep analytics.

### **What You Can’t Get with Essentials Access**

While Essentials provides key financial metrics, it does **NOT** include:

❌ **Full financial statements** (balance sheets, cash flow, income statements)

❌ **Detailed risk model outputs**

❌ **Company news, SEC filings, and real-time alerts**

❌ **Direct support from CreditRiskMonitor analysts**

For organizations needing a **complete financial risk evaluation solution**, Full Access is the recommended option.

### **📊 Feature Comparison: Full Access vs. Essentials**

| **Feature**                             | **Full Access** | **Essentials** |
| :-------------------------------------- | :-------------: | :------------: |
| **300+ Financial Data Points**          |        ✅        |        ❌       |
| **Financial Statements (Full Reports)** |        ✅        |        ❌       |
| **FRISK® Score & Deep Analysis**        |        ✅        |        ✅       |
| **PAYCE® Trade Payment Data**           |        ✅        |        ❌       |
| **Custom Peer Analysis**                |        ✅        |        ❌       |
| **SEC Filings & News Alerts**           |        ✅        |        ❌       |
| **Real-Time API Data Sync**             |        ✅        |        ✅       |
| **Customer Support & Account Manager**  |        ✅        |        ❌       |

## Pricing and Contact

Pricing for DaaS varies based on the access model selected. For detailed pricing and custom data solutions, please contact our sales team at [**sales@creditriskmonitor.com**]() or visit [**www.creditriskmonitor.com**](https://www.creditriskmonitor.com).

## Next Steps

<CardGroup cols="2">
  <Card title="Get Started" icon="circle-play" iconType="solid" color="#C72A2D" href="/api-reference/gettingstarted">
    *Get up and running with our API in simple steps.*
  </Card>

  <Card title="Data Fields" icon="database" iconType="solid" color="#C72A2D" href="/api-reference/datadictionary_full">
    *Check the data available for each DaaS model.*
  </Card>
</CardGroup>

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