Buy Now, Pay Later
Insights as flexible as your financing
Boost revenue and lower lending costs with streamlined credit intelligence tailored to your BNPL underwriting process. With AI-powered automation and robust risk assessments, our credit solutions scale as fast as you do.
Buy Now, Pay Later
The end of credit chaos
Complex data wrangling
Validating hundreds of data points from dozens of sources strains your underwriters and engineers with unnecessary processing
Unreliable credit indicators
Standard risk models that fit corporates and consumers don’t scale for SMEs, creating imprecise and backward-looking risk assessments
Stale risk ratings
SMEs evolve on a monthly – and even weekly – basis, so management accounts from years ago render risk ratings outdated
Benefits
Future-proof your risk management
Simplify your data
Eliminate manual data collection and access everything you need in seconds
Originate with confidence
Use our AI-powered models to generate a report, so you can embed reliable analytics directly into your underwriting workflow
Grow with your customers
Monitor your portfolio with live data streams to retain customers for repeat sales and higher lifetime value
Financial statements allow you to access the freshest filings and calculate a full suite of financial ratios at the click of a button, cleaned and synthesised for easy use. We pull non-financial data such as corporate governance, legal events, press coverage, and social media data to build a rich company portrait beyond the numbers. Our research shows that macroeconomic variables like defaults, GDP growth, inflation, unemployment and interest rates all have material implications for risk. We built them into our platform so you never miss the big picture.

Our Solution
Next generation credit intelligence
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Cut through the complexity of risk reporting with a single, comprehensive metric based on all 3 modules of our risk engine. Each business receives a risk rating from 0 to 1,000 alongside industry and geography benchmarks.
Generate a reliable Probability of Default for your reporting and financial modelling. We calculate a 1-year PD by transforming the SME Z-Score using exponential formulas, calibrated by country and industry.
Understand exactly how much is at stake in a worst-case scenario. We derive an unsecured LGD for each company using balance sheet ratios and macroeconomic benchmarks in similar industries and countries.
Origination
Portfolio
Regulatory
Consolidated credit assessments
All your credit data lives in one place with over 800 data points and up to 10 years of financial history alongside our suite of credit analytics
Dynamic credit ratings
Assess the holistic health of each client with forward-looking risk ratings based on Point-in-Time risk models
Open finance data stream
Monitor your portfolio with live data streams to retain customers for repeat sales and greater lifetime value
Easy API integrations
Access every data point through a single interface to automate and populate your data whenever, wherever you need it
Precision assessments
Benchmark your risk appetite by sector and geography with comprehensive models trained on over 2 billion data points
Early warning indicators
Receive real-time alerts on portfolio creditworthiness based on changes in the credit indicators of your choosing
Why partner with us?
SME expertise
Flexible platform
Partnership ecosystem


