Since 1925, Bernard Sands has been providing credit ratings and information on the retail industry. Major wire services, television, radio and print media rely on the company, which covers the mass merchandisers, department stores and chains and more than 250,000 owner-managed retailers. Sands ratings and reports include financial analysis, industry and company trends, trade attitudes and references, payment scores and liquidity trending. It also offers credit information services, trade credit insurance, credit and receivable operations and debt collection services. Bernard provides a Gold Key business report for the big public and private companies that represent the concentration of risk, and a Snap report that delivers instant ratings and payment quality index scores for other lesser risks. The company is based in New York.