top of page

Turn credit risk into your
competitive advantage

Designed for lenders and businesses providing trade credit.

CreditKernel delivers counterparty credit ratings, 12-month probability of default, and industry financial ratio benchmarks.

Everything you need in a credit review
Identify. Estimate. Communicate.

Benefits

Spreading Financial Statements

No more guesswork or inconsistency. Handle messy financials for any customer, any industry. Every file, one format.

Financial Ratio Benchmarks

Instant generation of key ratios - liquidity, leverage, profitability. Compare apples to apples with industry-aligned peers sets.

Credit Risk Framework

No black boxes. Clear, data-backed credit ratings. Understand the "why" behind each score with transparent, explainable logic.

Credit Rating & Probability of Default

A PD forecast for the next 12 months built on historical data, stress-tested, and proven to reflect real-world default behavior. Aligned with IFRS 9 or CECL standards. 

Custom Risk Appetite Settings

Set your own risk thresholds and approval logic by customer type, industry, region, or product. Automatically route decisions based on your internal policy.

Credit Risk Reports

Credit reports are designed to be clear for sales, finance, and executives - no jargon, just clarity. Reports highlight the strengths and weaknesses of the customer.

How It Works

Untitled design (3).png

​​​​​A process built for impact​

Spread Financial Statements

​

​​Enter 11 standardized financial lines items from the customers balance sheet and income statement.

​

Automated Analysis

​

Our engine applies industry-specific benchmarking, ratio analysis, and credit scoring in real-time.

​

Credit Risk Output

​

Get a system-generated credit rating linked to an estimated 12-month probability of default (PD).

​

Decisioning & Communication

​

If the customer meets your configured risk appetite and policy thresholds, then auto-approve.

​

If not, you have the ability to add commentary on the customers key strengths and weaknesses, offering actionable recommendations and clear guidance on managing the identified risk(s).

​

What Sets Us Apart

Business Meeting

Every business has credit risk

​

Utilize that risk to create a competitive advantage

Credit Risk Framework

A Credit Tale As Old As Time

You know counterparty's operating....

  • In higher risk industries

  • With fewer years in business

  • With lower revenue and margins versus industry peers

  • With higher levels of leverage versus industry peers

  • With minimal liquidity

​​

...carry a higher probability of default. Now see it in action!

​

Transparent and intuitive credit ratings

The scores and weights 5 categories: Industry Risk, Years in Business, Peer Competition, Financial Risk, and Liquidity. The output is a 12-month probability of default.​

​

Rating Model Methodology.png
Credit Risk Assessment Categories (7)_ed

Peer Benchmarking

The "marginal producer" framework highlights less efficient industry peers who are first to struggle in tough times due to high costs and low margins.

 

Peer benchmarking forms the methodology, scoring credit risk categories from 1 (lowest risk, top 20%) to 5 (highest risk, bottom 20%) based on industry comparisons.

Credit Reports

Eliminate time-consuming and inconsistent credit reviews with user-friendly, research-backed reports that highlight key strengths and weaknesses.

​

Optimize Time and Financial Position

Risk and reward are linked. Credit ratings help estimate risk relative to potential profit. 

 

Automate the approval process for lower-risk customers and apply due diligence for riskier counterparties.

Optimize credit risk. Minimize your stress.

Financial Statement Analysis

Research-backed. User-friendly

Financial health is a top indicator for meeting financial obligations and compete with industry peers. Our financial spreading template highlights red flags or deviations from industry norms. 

Support Growth Strategies

Manage Risk and Reward

Ensure decisions align with your risk-reward framework. Credit ratings support setting pricing, interest rates, loan amounts, credit limits, collateral, and comparing alternatives.  

Effective Communication

Engaging. Not over-engineered

Credit reviews are fined tuned for clarity and consistency, highlighting the counterparty's key strengths and weaknesses. Decisions align to your company's risk appetite. 

bottom of page