The Essential tier is the first paid tier on the FHR Exchange. It exists for members who want to actively manage how their Financial Health Rating is shared and disclosed, keep their rating current across the year, earn and showcase Financial Health Badges, and reach the platform's full self-service capability without taking on supplier-side tooling.
Key facts
Annual price | $999 |
Credits | 10 per year, renewed annually |
Users | Up to 5 |
Payment method | Card (embedded Stripe checkout) |
What Essential includes
Feature | What it does | Credit cost or limit |
View your own FHR | See your current Financial Health Rating | Free |
ActionPath creation | Model how operating changes would affect your rating | Free |
ActionPath sharing | Share your ActionPath with clients or other members | Free |
Peer Benchmark report | Compare your financials against industry peers | Free |
Public FHR search | Search and view Financial Health Ratings for public companies | 1 credit per new company viewed; 10-credit allowance refreshes annually |
Update My Rating | Refresh your own FHR | 1 credit, available up to 4× per subscription year |
Share My FHR | Share your FHR with other customers of yours | Free |
Badge eligibility | Receive a Platinum, Gold, or Silver badge based on your FHR percentile, awarded twice yearly | Free |
Badge toolkit download | Download branded badge collateral to promote your rating externally | Free |
Billing Information | Access the Stripe Customer Portal to manage payment, renewal, and invoices | Free |
How Financial Health Badges work on Essential
Financial Health Badges recognize members whose FHR places them in the upper percentiles of the rated population. Essential members and above are eligible to receive a badge; Basic members are not.
There are three badge tiers, awarded based on FHR percentile across all rated companies:
Badge | Percentile threshold |
Platinum | Top 5% |
Gold | Top 20% |
Silver | Top 35% |
Badges are released twice per year — an H1 release in January and an H2 release in July. The badge you receive corresponds to your most recent FHR within the eligibility window, and the badge is labeled with the half-year of its release (for example, "H2 2026"). Eligible members are notified when their badge is awarded, see their badge on their member home page and profile, and can download a branded toolkit of marketing collateral to promote their badge externally. Clients viewing your profile in the FHR Exchange will also see your badge.
What Essential does not include
Essential does not include FastTrack, RiskPulse, the ability to request an ActionPath from a private company, or Outreach. These supplier-side capabilities begin at the Pro 50 tier. The Supplier Risk Hub on the homepage displays these features as locked, with upgrade prompts to Pro 50 or Pro+.
How payment works on Essential
Essential is paid by card through an embedded Stripe checkout. The checkout displays the package price in your local currency (USD or EUR), pre-populates your billing email, and provides fields for card details and billing address. Tax is calculated and shown separately for applicable US states. You can apply a promotion code and see the total update in real time before submitting payment.
Renewals on Essential are automatic via card on file. You can manage auto-renewal, update your card, or change billing details at any time through the Billing Information tab, which opens the Stripe Customer Portal in a redirect.
Who Essential is for
Essential is the appropriate tier for members who want to control the narrative around their financial health — sharing their FHR with prospective clients, supplying current ratings to existing clients without going through a per-request outreach, earning a badge to showcase strong financial performance, and managing disclosure on their own terms. Members who would otherwise upgrade to Pro 50 purely to refresh their rating multiple times across the year or to access badges are better served by Essential, since neither requires supplier-side tooling.
If you also need to assess your own suppliers' financial health, the Pro 50 tier and above add FastTrack, RiskPulse, and ActionPath request capabilities.