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The Sacramento Valley Board of Trade (SVBT) provides risk management and related collections information and services for member businesses in the food, beverage, and media industries. Founded in 1980 by sister firm Northern California Collections Service, SVBT helps clients prevent debt losses by compiling and distributing monthly reports containing total due, past due, and returned check information on accounts within the industries. Members can also submit and review credit alerts via the board's Web site.

Standard & Poor's is the gold standard of credit reporting, albeit slightly tarnished by the credit crisis of 2008. Standard & Poor's (commonly known as S&P) is a business segment of publishing house McGraw-Hill. With operations in some 20 countries, Standard & Poor's Financial Services LLC provides the investment community with independent credit ratings on such financial vehicles as stocks, mutual funds, corporate bonds, and municipal bonds. In addition to its credit ratings, risk management, investment research, data, and valuations, Standard & Poor's is known for its indexes, including the S&P 500 index. Standard & Poor's Financial Services LLC roots reach back to 1860; S&P was acquired by McGraw-Hill just over a century later.

The First Marblehead Corporation, together with its subsidiaries, provides outsourcing services for designing and implementing private education loan programs to national and regional financial institutions, and educational institutions in the United States. The First Marblehead Corporation offers program design, marketing support, loan origination, and loan securitization, as well as stand-alone loan origination services and portfolio management services on a fee-for-service basis. The First Marblehead Corporation primarily focuses on private education loan programs for undergraduate and graduate students. In addition, The First Marblehead Corporation, through Union Federal Savings Bank, a federally chartered thrift, offers residential and commercial mortgage loans, retail savings products, time deposit products, and money market accounts. The First Marblehead Corporation was founded in 1991 and is headquartered in Boston, Massachusetts with additional offices in Medford, Massachusetts; and North Providence, Rhode Island.

White River Capital is a holding company that specializes in auto finance. Subsidiary Coast Credit offers subprime auto financing in more than 20 states. Visa International Service Association acquires the subprime receivables from franchise and independent auto dealers. Another unit, Union Acceptance, oversees a portfolio of non-prime automobile receivables. In 2005 UAC was bankrupt and stockholders were looking for a way to squeak out value in their investment. The shareholders agreed to exchange UAC for shares of White River. After the swap White River bought the similar, yet more successful, Coast Credit. The holding-company-hat-trick allowed UAC to carry its business forward even after it declared bankruptcy in 2002.

World Acceptance Corporation engages in small-loan consumer finance business. It offers short-term small loans, medium-term larger loans, related credit insurance, and ancillary products and services, as well as loans standardized by amount and maturity. World Acceptance Corporation also offers income tax return preparation services and access to refund anticipation loans. In addition, World Acceptance Corporation markets and sells credit life, credit accident and health, credit property, and unemployment insurance products; markets automobile club memberships to its borrowers; and reinsures credit insurance. Further, World Acceptance Corporation, through its subsidiary, ParaData Financial Systems, provides data processing systems; and markets computer software and related services to financial services companies. World Acceptance Corporation serves individuals with limited access to consumer credit from banks, savings and loans, other consumer finance businesses, and credit card lenders. As of March 31, 2009, the company has 944 offices in South Carolina, Georgia, Texas, Oklahoma, Louisiana, Tennessee, Illinois, Missouri, New Mexico, Kentucky, Alabama, and Mexico. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.

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