Explainable, consistent scoring
The same borrower and the same figures produce the same score, and the reasoning can be shown rather than asserted.
Credit scoring
Scoring a commercial borrower you can show a committee
Crediflow scores commercial borrowers from their own financials, with the cash flow, DSCR and multi-period trends behind the score visible rather than hidden in a model. The output is explainable, consistent between analysts, and defensible to an examiner.
What it does
Cash flow and DSCR analysis
Scoring is built on the coverage and cash flow work a credit officer would do by hand, not on an opaque feature set.
Multi-period trend detection
Direction over several periods, which a point-in-time score misses and a credit committee asks about.
Standardised, audit-ready data
The figures underneath come from spread statements with the source documents still attached.
Where it fits
This is commercial credit scoring, assessing a business from its financial statements. It is a different exercise from consumer credit scoring, which is built on bureau data and payment history, and the two are not interchangeable. Crediflow works alongside bureau and KYC providers rather than replacing them.
What this is not
- Not consumer credit scoring, and not a bureau score
- Not a credit bureau or a source of third-party credit data
- Not a statistical model you train on your own default history
- Not an automated approve or decline decision
Frequently asked questions
What is commercial credit scoring?
Commercial credit scoring assesses a business borrower's creditworthiness from its financial statements, cash flow and debt service capacity, usually expressed as a rating or score a credit committee uses. It differs from consumer scoring, which relies on bureau data and personal payment history.
How is this different from a credit bureau score?
A bureau score comes from a third party and reflects payment behaviour reported to it. Commercial credit scoring here is derived from the borrower's own submitted financials: income, cash flow, coverage and trend. Most lenders use both, since they answer different questions.
Is the scoring explainable?
Yes, and deliberately so. The score traces back to the spread financials, the cash flow and DSCR workings and the multi-period trend behind it, with source documents attached. That matters when a credit committee or an examiner asks why a borrower was rated as it was.
Can we use our own credit policy and rating scale?
The analysis is run against your credit policy, and the memo and approval flow use your own templates and rating language. Crediflow does not impose a rating scale of its own on a credit team that already has one.
Related
Automation in Real-time and at Scale
Time Saving to decision
To full Credit assessment
Operational Cost Saving
Security Compliant
Make better credit decisions faster
Bring your data, analysis, and decision-making into one intelligent platform. Start analyzing deals with clarity and confidence