Confident Credit Decisions
Unify financials, industry benchmarks, and risk signals into one standardized credit review.
Credit Risk Process (4 Simple Steps)
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Reduce manual review time by up to 70%
1. Standardized Financial Input
Enter just 11 key financial line items from the customers balance sheet and income statement - the core metrics every analyst already looks at.
2. Automated Benchmarking & Scoring
Our engine applies industry-specific ratio analysis, risk profiling, and credit scoring - all automated.
3. Credit Rating
No more vague scores. You get a credit rating tied to a 12-month probability of default - so you know exactly how to quantify risk.
4. Decision Logic with Built-In Guidance
If the customer's rating and limit meet your companies risk policy, the system can auto-approve. If not, it prompts you to review strengths, weaknesses, and suggested actions - ensuring alignment with your credit appetite.
Everything You Need to Manage Credit Risk
Credit risk software built for lenders and businesses providing trade credit.
CreditKernel
Others in Market
Setup | Intuitive and simple platform Straightforward training Less than 5 days to implement | Steep learning curve
Project team and SME assigned
90+ days to implement |
Output | Probability of Default (Pd) Expected Credit Loss (ECL) Risk thresholds specific to your company | Vague risk labels. Your risk appetite not considered. |
Peer Analysis | Industry financial ratios and benchmarking to measure performance relative to peers. | "One size fits all", triggering false positives. |
Credit Ratings | Transparent, including scores for industry risk, business longevity, peer competition, financial risk, and liquidity risk. | Black box, confidential, or paying for shiny services that do not move the needle. |
Data Quality | Over 75,000 audited financial statements classified by industry and analyzed to calibrate the credit model. | Dependent on 3rd party payment behavior, which might be limited, incomplete, or misrepresented. |
Credit Risk Framework
A Credit Tale As Old As Time - Now Backed by Data
Every credit team knows the pattern: counterparties in higher-risk industries, with fewer years in business, weaker revenue and margins, higher leverage, and minimal liquidity almost always carry a higher probability of default.
The difference?
We don't just suspect it.
We quantify it - instantly.
Transparent, Intuitive Credit Ratings
Our platform scores and weights five critical risk categories:
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Industry Risk
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Years in Business
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Peer Competition
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Financial Risk
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Liquidity
The output: a clear, data-backed 12-month probability of default.
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Peer Benchmarking
In every industry, marginal producers - high-cost, high-leverage, low-margin operators - are the first to struggle when conditions tighten.
We've built that insight into CreditKernel. Our peer benchmarking engine compares your counterparties against direct industry peers, surfacing the weak performers before they become defaults.
We rank each counterparty based on industry-specific financial and operational benchmarks - from 1 (lowest risk, top 20%) through 5 (highest risk, bottom 20%).
Credit Reports
Traditional credit reviews are slow, inconsistent, and dependent on individual analyst style. We've replaced that with user-friendly, researched-backed reports that call out the key strengths and weaknesses - in minutes, not hours.
Optimize Time. Strengthen Your Position.
Risk and reward are always linked - and our credit ratings make that link crystal clear. By quantifying risk against potential profit, you can:
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Automate approvals for low-risk customers
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Focus due diligence on higher-risk deals