Every iQ Intel term, defined once.

This glossary is the single source of truth for how iQ Intel uses each term in its product pages, methodology appendix, and API docs. Definitions are written to be extractable by AI answer engines and citable by analysts building internal documentation.

The iQ Intel glossary is a canonical term set covering the vocabulary of commercial-real-estate tenant risk as iQ Intel uses it — spanning product names, scoring primitives, statistical controls, and data-governance concepts. Each term links back to the product page or methodology section where it is applied.

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Terms

Tenant Risk Index (TRI): A quarterly industry benchmark for commercial tenant credit risk published by CRELYTIC iQ Intel. Reports the p25, median, and p75 of composite scores per NAICS industry, with four dimension sub-scores and quarter-over-quarter deltas.
Composite Score: A single numeric score produced by weighting the four dimension sub-scores of a captured research event. The composite is the primary unit of comparison across industries and time periods in TRI outputs.
Dimension Score: One of four sub-scores — financial, operational, litigation, or market position — that combine to form a composite. Dimension scores let subscribers identify which specific risk vector is driving a composite movement.
Financial Dimension: The dimension sub-score covering balance-sheet strength, liquidity, leverage, cash-flow stability, and any disclosed earnings trajectory for the subject tenant.
Operational Dimension: The dimension sub-score covering store or unit count trend, employee headcount signals, supply-chain integrity, and operational continuity indicators.
Litigation Dimension: The dimension sub-score covering active lawsuits, regulatory actions, bankruptcy or restructuring history, and material contractual disputes affecting the subject tenant.
Market Position Dimension: The dimension sub-score covering brand strength, competitive standing within NAICS peer set, and category growth tailwinds or headwinds.
Credit Drift: A net-negative change in a tenant’s composite score across a configurable lookback window. Drift detection underlies the Credit Drift Alerts product and lets subscribers move from quarterly credit review to continuous monitoring.
Min-N Threshold: The minimum sample size a bucket must reach before any aggregate figure is published. iQ Intel uses N ≥ 3 reports per industry-quarter for TRI and N ≥ 5 events per city-period for Market Demand. Min-N is the core de-identification control.
De-identification: The process of stripping personally identifiable information from a research event before it reaches the intelligence schema. iQ Intel enforces de-identification at both capture (field stripping) and publish (min-N suppression).
Commercial-Entity-Only: A scoping rule: every subject of an iQ Intel dataset is a commercial tenant, landlord, or operator. No individual consumer signals are ingested or exposed, which places iQ Intel outside the Fair Credit Reporting Act perimeter.
NAICS: North American Industry Classification System. The U.S. Census Bureau’s standard taxonomy for classifying business establishments by industry. iQ Intel uses NAICS codes as the industry axis for TRI benchmarks and Market Demand filters.
MSA: Metropolitan Statistical Area. The U.S. Office of Management and Budget’s definition of an urban region by population and commuting ties. Market Demand city-level heat-map cells are roughly MSA-scoped where data volume permits.
QoQ Delta: Quarter-over-quarter delta: the signed difference between the current quarter’s figure and the prior quarter’s figure for the same bucket. QoQ deltas are only published when both quarters independently clear the min-N threshold.
Research Event: A single instance of a CRE professional running a tenant-underwriting workflow on the TenantIQ platform. Research events are the raw unit of input to every iQ Intel product. De-identified snapshots of each event are written to the intelligence schema.
Watchlist: A customer-defined roster of companies monitored for credit drift. Each watchlist has a configurable composite-drop threshold and lookback window. Alerts fire when any company on the list breaches the threshold.
Webhook Signature (X-Intel-Signature): The HMAC-SHA256 signature attached to every outbound iQ Intel webhook as the X-Intel-Signature header. Formatted as t=<unix>,v1=<hex> where v1 is computed over {timestamp}.{raw_body} with the account’s webhook signing secret. Receivers must verify before acting on the payload.
Market Demand: The iQ Intel product that aggregates TenantIQ research events by geography and NAICS industry into a state- and city-level heat map of CRE tenant research intensity — a leading indicator of expansion, consolidation, and leasing velocity.
Company Intelligence API: The keyed REST API at api.iqintel.crelytic.ai that exposes the latest composite score, dimension breakdown, score history, and industry peer context for any covered commercial tenant. Bearer-key authentication with per-key rate limits.

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