Validating hundreds of data points from dozens of sources strains your underwriters and engineers with unnecessary processing

Standard risk models that fit corporates and consumers don’t scale for SMEs, creating imprecise and backward-looking risk assessments

SMEs evolve on a monthly – and even weekly – basis, so management accounts from years ago render risk ratings outdated

Eliminate manual data collection and access everything you need in seconds

Use our AI-powered models to generate a report, so you can embed reliable analytics directly into your underwriting workflow

Monitor your portfolio with live data streams to retain customers for repeat sales and higher lifetime value

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.