KYB that never sleeps
Built for institutions financially exposed to home service contractors.
Trade risk is a complex function of a contractor’s financial health, operational capability and treatment of customers. Night Shift continuously finds and connects material facts across thousands of public and private systems to provide the most comprehensive view of counterparty exposure. Commercial teams use the same intelligence to find, win and grow business.
Traditional KYB
vs.
Night Shift
Traditional KYBNight Shift
Business verificationSep 14, 2026
CRH Services LLCMonitoring
dba Cedar Ridge Home Services · Roofing, HVAC · Mesa, AZResultApproved9 of 9 checks passed · 1 informational
Night Shift Assessment
56Stressed
✓Name, TIN, office addressVerified
Identity
✓Business nameVerified
✓TINFound
✓Office addressVerified
Registration and licensing
✓AZ Corporation CommissionActiveDomestic LLC · Good standing · Formed Mar 4, 2024
This is the third LLC the same principal has operated under the Cedar Ridge name. Its predecessor, Cedar Ridge Home Services LLC, dissolved 12 days before this one formed. 43 of its customers reported unfinished jobs.
✓OfficersVerified
✓AZ Registrar of ContractorsActiveCR-42 Roofing · R-39 Residential air conditioning · Exp. Mar 31, 2027
Roofing license under disciplinary review. Board hearing on November 12.
Screening and public records
✓WatchlistsNo hits
✓Tax and judgment liensNone found
✓Bankruptcies, litigationNone found
•UCC filings4 found
Ninebark Supply, the secured party on one filing, sued Cedar Ridge for unpaid invoices on October 9. Nine months earlier, three customers reported mechanics’ liens on their homes from the same distributor.
Night Shift…
Showing portfolio overview
What it takes
Tracking counterparty exposure requires a networked understanding of a contractor’s history, relationships and performance over time, knowledge of the trades, and signals backtested against historical events.
Terminal graph
A navigable map of the concepts Terminal connects around counterparty exposure.
- ScoreNight Shift rates contractor risk on a scale of 0 to 100. Higher scores mean lower risk.
- AssessmentNight Shift assessments are evidence-based judgments of a contractor’s counterparty risk, based on its treatment of customers and business standing.
- CriticalCounterparty risk assessed as severe, supported by institutional evidence of operating or financial distress, or an adverse record of comparable severity. Score 0–49.
- StressedCounterparty risk assessed as substantial, with serious concerns about treatment of customers or business standing. Score 50–59.
- WatchCounterparty risk assessed as elevated, with material concerns about treatment of customers or business standing. Score 60–69.
- UnclearCounterparty risk cannot be assessed with sufficient confidence from available evidence. No Score.
- StableCounterparty risk assessed as neutral. Favorable evidence is limited or offset by adverse concerns, or uncertainty prevents a more favorable assessment. Score 70–79.
- SoundCounterparty risk assessed as low, supported by favorable treatment of customers or business standing. Score 80–89.
- StrongCounterparty risk assessed as very low, supported by exceptionally favorable treatment of customers and limited concerns about business standing. Score 90–100.
- BriefNight Shift's explanation of what is happening at the company and why it matters.
- Verified customersReviewers whose accounts show they hired the contractor.
- CharacterWho reviews the company, how satisfied its customers stay over time, and how often they describe deceptive sales.
- Buyer RateHow often reviewers hired the contractor versus only getting a quote.
- Buyer SatisfactionThe share of satisfied reviews among people who hired the company.
- Long-Term Review RateHow often reviewers describe being a customer for at least a year.
- Long-Term SatisfactionThe share of satisfied reviews from people who have been customers for at least a year.
- Deception RateHow often reviews describe deceptive sales, such as a misleading quote or a broken promise about price.
- ExecutionHow satisfied customers are with each stage of the work, from the sale through completion and support.
- Sales ConductHow satisfied reviewers are with the sales experience, including how much pressure they felt and whether the contractor kept its promises.
- WorkmanshipHow satisfied customers are with the quality of the contractor’s work.
- ValueWhether customers felt the work was worth what they paid.
- Customer SupportHow satisfied customers are with the help they get after the work is done, including repairs and warranty claims.
- Project ManagementHow satisfied customers are with the way the contractor handles schedules, crews, permits and inspections.
- Trade MixWhich trades customers mention in reviews, how often each comes up, and how satisfied customers are with the work.
- Services MarketedThe services the company advertises, whether or not its reviews mention them.
- Licensed InThe states where the company holds a contractor license on record.
- SparkAn individual customer’s account of harm, such as an unfinished job or a lien on their home.
- connects Execution
- supports Brief
- supports Score
- supports Verified customers
- connects Since Onboarding
- connects Smoke
- connects Entity Recycling
- connects Reputation Risk
- contains Abandonment
- contains Badly Run Jobs
- contains Deception
- contains Faulty Work
- contains Ghost Lien
- contains Poor Aftercare
- contains Poor Value
- contains Predatory Lien
- contains Sales Misconduct
- contains Unpaid Sub Lien
- DeceptionA customer reports being misled about something that mattered, such as price, savings or what was promised.
- Sales MisconductA customer reports harmful sales conduct, such as pressure, deception, dismissive treatment or broken sales promises.
- Faulty WorkA customer reports problems with the quality, safety or code compliance of the work.
- Poor AftercareA customer reports trouble getting help with service or a warranty claim after the work was done.
- Badly Run JobsA customer reports problems with scheduling, permits, crews or communication during the job.
- Poor ValueA customer says the work was poor value or the promised savings never materialized.
- AbandonmentA customer says the contractor left the work unfinished or unusable and stopped helping.
- Predatory LienA customer reports a lien based on a forged or unauthorized signature, or a contractor’s lien arising from a dispute over the work.
- Unpaid Sub LienA customer reports a lien filed by a subcontractor or supplier because the contractor did not pay them.
- Ghost LienA customer reports that a financing lien remained on their home after a job was cancelled or left unfinished.
- SmokeA warning in the company’s record, such as a cluster of short-term lenders or a licensing complaint that has reached a hearing.
- connects Character
- connects Execution
- connects Fire
- supports Brief
- supports Score
- connects Since Onboarding
- contains Activity Decline
- contains Credential Risk
- contains Debt Stacking
- contains Entity Lapsed
- contains Entity Recycling
- contains Lawsuit Pending
- contains License at Risk
- contains Reputation Risk
- contains Suspect Reviews
- contains Undependable
- connects Spark
- UndependableSatisfaction with support stays low or drops sharply, or customers of a year or more report low satisfaction.
- Activity DeclineA steady flow of reviews and complaints stops, or drops sharply alongside signs such as a closed business profile.
- Reputation RiskA review site or complaint body flags the company, or its record shows concerns such as mounting complaints or unresolved cases.
- Suspect ReviewsAn unusual burst of highly rated reviews suggests they may have been solicited together. Night Shift excludes them from its review figures.
- Debt StackingSeveral short-term funders have filed claims against the company’s assets, for cash advances, factoring or other short-term financing.
- Lawsuit PendingCourt records show a lawsuit against the company with no recorded resolution.
- Entity RecyclingA different legal entity has taken up the trade name of one that dissolved, withdrew or forfeited its registration. The two share an address or phone number.
- Entity LapsedRecords show the company still operating after its legal entity dissolved, was forfeited or otherwise fell out of good standing.
- Credential RiskA licensing record shows a deceased qualifier, a null-and-void license or no qualified individual, and the company holds no other active license of that class from the same board.
- License at RiskA licensing board has brought formal charges or begun proceedings. The outcome is still open.
- FireConfirmed adverse events. The action, filing or event is established; the allegations behind it are not necessarily proved.
- contains Agency Action
- contains Agency Order
- contains Bankruptcy
- contains Bond Suspension
- contains Collections
- contains Judgment Lien
- contains Lawsuit Lost
- contains License Action
- contains Out of Business
- contains Qualifier Action
- contains Tax Lien
- supports Brief
- supports Score
- connects Since Onboarding
- connects Smoke
- License ActionA licensing board suspended, revoked or restricted the company’s license, or issued a final citation or disciplinary order.
- Qualifier ActionA licensing board restricted or disciplined the license of the person who qualifies the company to do the work. The company still holds another active license of the same class from that board.
- Bond SuspensionA licensing board suspended or restricted a license solely because the required bond lapsed, was cancelled or was insufficient.
- Out of BusinessThe company announced it had closed, or its legal entity dissolved, its required licenses ended and there is no sign it still operates.
- BankruptcyA court record names the company as the debtor in a bankruptcy proceeding.
- Agency ActionA government agency has brought an enforcement case against the company. The case is still open.
- Agency OrderA government enforcement order, judgment or binding settlement applies to the company.
- Lawsuit LostA court entered a civil judgment against the company.
- Tax LienA tax authority has an outstanding lien against the company for unpaid taxes.
- Judgment LienA creditor has an outstanding lien against the company’s property to collect a court judgment.
- CollectionsSeveral different creditors pursued the company within a year through lawsuits, tax liens or judgment liens.
- PrincipalOwners and officers traced across the companies they operate and the businesses they were involved with before.
- License HolderThe person a company depends on to meet its contractor-license requirements. The same person can qualify several companies.
- Portfolio ComparisonHow customer satisfaction at one contractor compares with satisfaction across the portfolio.
- Customer ActivityWhere customer activity is concentrated across the portfolio’s risk levels, as seen in reviews from people who hired the contractors.
- Since OnboardingWhich warning signs were already present when a contractor joined the portfolio, and which appeared afterward.
- ReassessmentsWhich contractors moved to a different risk level in the past 90 days, and where they stand today.
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Heard from risk and commercial leaders
- a.“I wish our risk team had this two years ago.”— COO, $10B point-of-sale lender
- b.“We found out two months after you found out.”— VP Risk, bank-funded lender
- c.“Carfax for contractors.”— Director of Sales, national warranty provider
- d.“The depth of information that you have. It's priceless.”— Compliance Manager, $1B solar lease provider
- e.“A no-brainer.”— Chief Risk Officer, $1B OEM-backed captive lender
- f.“Like a Bloomberg Terminal for the trades.”— Head of Operations, $5B electrical distributor
Put us to the test
Free portfolio audit. No commitment.
- 1.30-min call to assess fit.
- 2.Share up to 20 contractor names.
- 3.See the results and ask:•Did you see something you did not know?•Would it have changed a past decision?•Do you get this with your current KYB?
Frequently asked questions
- Our focus is residential solar and home improvement. Night Shift is most suitable for institutions exposed to contractor-delivered projects: big-ticket purchases where sales practices, workmanship quality, trade expertise, customer relationships and financial health determine your risk.
- Night Shift draws from thousands of public and private sources, including federal, state, territorial and local records; licensing boards and corporate registries; courts and bankruptcy dockets; UCC, tax and creditor systems; enforcement and safety records; and review platforms. Every finding is auditable, so your team can make decisions with confidence, address concerns with the contractor, and explain its decisions to credit committees and capital partners.
- Night Shift’s secret sauce is the combination of three systems, plus judgment gained from decades of solar and home improvement contractor management. System One collects material facts across thousands of public and private sources. System Two disambiguates the actual business entity across DBAs, lookalike names, corporate transactions, ownership changes, principals and license holders. System Three connects those facts across entities and over time to identify patterns, which we backtest against historical events. Human judgment is overlaid to understand the significance of specific threat patterns. For example, a supplier’s UCC filing may reflect ordinary financing. But alongside unpaid subcontractors, bond suspensions and a departing license holder, it can point to serious financial distress.
- Our job is to maximize your chances of reducing loss rates. That means helping your team recognize deterioration and establish enough conviction to act before exposure accumulates. For example, our customer dissatisfaction signal predated bankruptcy and trade license revocations by a median of 1.5 years. Even a few weeks can matter while you are still extending credit, releasing funds or committing resources.
- Commercial teams use Night Shift to find quality contractors, decide who deserves white-glove treatment, and work through approval concerns faster. They can identify accounts ready for more business, make a case for better terms, and help contractors resolve problems. Continuous monitoring also helps risk and commercial decide what needs resolving before approval and what can be managed as the relationship develops.
- Night Shift is priced competitively with traditional KYB services. You get a much more comprehensive understanding of the businesses you’re trusting with your money, customers and reputation. While traditional KYB is priced by sources, checks, reports or database access, Night Shift is priced per contractor (your unit of counterparty exposure). We support portfolios of all sizes, with one-time assessments and continuous monitoring. Before you decide, put us to the test.