permit filed Sep
Tolvane Forge Works (fictional)
Filed a permit for a 20,000 sq ft addition on a parcel it bought in August, and is hiring four machinists. The site plan went before the county planning commission in June.
Ask for: CFO / Owner
- Home
- Industries
- Commercial lending
Your market is full of businesses that are growing. Know which ones moved this week.
TIP is territory intelligence for commercial bankers and lenders: a short list of the local businesses in your market that just made a move, why they are worth a call or a visit now, who to ask for, and the public record behind it. Business development for commercial lenders, with a reason attached to each name.
What you get
A call program that starts with a reason.
Your bankers already know the best relationships in the market. The harder part is noticing the businesses that changed quietly, across county sites, agendas and job boards, while the pipeline and the existing portfolio keep them busy.
One short list for the team
Instead of a long target list sorted by size, each banker gets a short list of the businesses that changed, with the most useful names first.
A reason you can say out loud
Each entry says what changed in plain English, with a date. It becomes the opening line of a call or an introduction request, not a hunch about who might need capital.
The right person to ask for
Cards name the role that usually makes the financing decision, such as the owner or the CFO, so the first conversation starts with the right chair.
Quiet weeks stay quiet
If little changed in part of your market, the list says so. Your team spends the week on the businesses that moved, and on the clients they already serve.
A change in a public record is a reason to reach out, not proof a business wants financing. Your banker still makes the call on fit, credit and timing.
What a TIP looks like
The change, the clock, the person to ask for.
Each card gives one reason a business is worth attention now, a dated clock, who to ask for by role, and the record it came from. Your banker decides whether it is a call, a warm introduction through a mutual contact, or a visit. Both of these businesses are fictional.
The first card is a business building out. The second is a business arriving: a county incentive for a new regional facility, a reason to start a conversation with its finance lead before the building opens.
abatement approved Sep 16
Alderquill Home Goods (fictional)
Harlow County's (fictional) commission approved a tax abatement for a regional fulfillment center, with a stated job commitment and an opening target next year. The agenda packet names the site.
Ask for: CFO
The account brief
Read the story before the first call or introduction.
Open a card and the brief puts the recent changes in date order, lists the roles on record and links each fact to its source. Here a machine shop's June agenda item, August deed and September permit read as one expansion, which is a better first sentence than "I saw you were hiring."
Tolvane Forge Works (fictional)
Machine shop · Harlow County (fictional)
Why now
The shop bought the parcel next door, filed a permit for a 20,000 sq ft addition and is hiring four machinists. Together, the records describe a planned expansion.
What changed
- SepFour machinist openings posted
- SepBuilding permit filed for a 20,000 sq ft addition
- AugDeed shows the shop bought the adjacent parcel
- JunPlanning commission agenda: site plan for the adjacent parcel
Roles on record
Owner
Sources
4 public records, each one linked
All accounts, places and dates on this page are fictional and shown for illustration.
Plainly
What TIP doesn't do
- TIP doesn't make or support credit decisions. It uses no credit data and doesn't size a loan.
- TIP doesn't sell contact data. It names a role to ask for, and the public record behind it.
- TIP can't tell you a business needs financing. A change in the record is a reason to start a conversation, not a forecast.
- TIP doesn't replace your CRM. Your CRM stays the system of record.
Questions
What market presidents and team leads ask first.
Does TIP use credit data or financial statements on businesses?
No. TIP works from public records and public postings about businesses, such as permits, agendas, deeds and job postings. It does not use credit reports, consumer data or a borrower's financials. How your bank uses any prospecting list is a matter for your compliance team, so it is worth walking them through a sample list during early access.
Our bankers already know their markets. What would they get from this?
A second set of eyes on the parts of the market nobody has time to read: county agendas, permit sites and job boards. Your bankers keep the judgment about who is a fit. TIP gives them dated changes they may have missed, with a record to open and a role to ask for.
Can it show businesses that are not on our customer list?
That is much of the point. TIP ranks accounts in a territory, so a business can appear because of what changed, whether or not it banks with you today. When we show you a sample list for your market, we'll walk through which kinds of businesses and which parts of your territory it covers.
Does TIP tell me how much a business wants to borrow?
No. Public records can show that a business is building, buying or hiring. They don't show the size or structure of a financing need, or who the business works with today. That conversation belongs to your banker, which is why the card gives a reason to reach out and a role to ask for.
Keep reading
Guides for commercial bankers and lenders.
- Commercial banker business development: how permits, real estate, SBA and UCC records fit into a call program
- Federal data sources for sales prospecting: what the federal records can and cannot tell you
- Building permits and inspection records as sales signals: what these records show and what they do not
- Tax abatements and incentive agreements: reading the agenda for expansion plans
- What is territory intelligence?: the idea behind TIP
- Glossary: UCC-1, SAM.gov, USAspending, permit
- A sample week with TIP: follows an MSP rep, but shows the daily list, account brief and territory view any team gets
- All industries
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See which businesses in your market just made a move.
Tell us where your team works and who you serve. We'll show you a sample list for your market and walk you through it. We reply within two business days.