Systems and methods facilitate information sharing among a plurality of member institutions. Each member is associated with a member number and a corresponding member profile. A member contributes its data relating to small business entities to an exchange repository upon becoming a member, and thereafter on a periodic basis. Each member is eligible to query against the exchange repository. However, a response to a member's inquiry is determined by a reciprocity due to the inquiring member. If a member contributes comprehensive information regarding small business entities in its portfolio, then the member receives comprehensive information relating to a small business entity that becomes a subject of its inquiry. If a member contributes minimal information regarding the small business entities in its portfolio, the member receives minimal information relating to a small business entity that becomes a subject of its inquiry, regardless of the amount of information available in the exchange repository. Each business entity regarding which information is stored in the exchange repository is associated with a business entity identifier. A business entity identifier associates a record file for the corresponding small business entity. The record file includes trade data of the small business, data relating to one or more principals of the small business entity, as well as data relating to one or more guarantors of the small business entity, as appropriate.