Credit Scorer

What is Credit Scorer?

• Counterparty Risk Guardian. In global trade, extending credit to buyers is essential but dangerous - a single bad debt can wipe out the profit from 20 good orders. Traditional credit checks using static Dun & Bradstreet or Experian reports provide snapshots that become stale within weeks. Credit Scorer monitors counterparty financial health continuously, detecting deterioration before defaults occur.

• Multi-Source Intelligence. Integrates credit bureau data (D&B, Experian Business, Creditsafe), trade payment data from industry databases, public filings (liens, judgments, bankruptcies), and real-time financial feeds. Creates a dynamic risk score that updates daily rather than annually, capturing changes in payment behavior, legal status, and market conditions.

• Dynamic Credit Limits. Static credit limits fail to account for seasonal fluctuations, growth trajectories, or emerging risks. Credit Scorer autonomously adjusts limits based on real-time risk assessment - expanding credit for improving customers to capture more sales, restricting credit for deteriorating accounts before losses occur.

• Early Warning System. Monitors behavioral signals that precede defaults: slowing payment velocity, increasing disputes, reduced order frequency, supplier lawsuits, executive changes. Alerts sales and finance teams weeks before traditional methods would flag a problem, enabling proactive collection or relationship management.

Replaces:

• Annual credit reviews using static D&B or Experian reports.
• Spreadsheet-based credit limit tracking with manual updates.
• Reactive credit holds applied after payments are already overdue.
• Disconnected monitoring of public records and trade references.
• Gut-feel credit decisions by sales managers under revenue pressure.

Why Credit Scorer?

• 40% Bad Debt Reduction. Traditional annual credit reviews miss 60% of companies that deteriorate mid-year. Continuous monitoring catches early warning signs - slowing payments, legal filings, negative trade references - enabling proactive intervention that reduces bad debt write-offs by up to 40%.

• 15% Revenue Increase. Conservative credit limits leave revenue on the table. By dynamically scoring improving customers, Credit Scorer identifies opportunities to safely extend additional credit, capturing 15% more sales from creditworthy accounts that static analysis would have capped.

• Real-Time Risk Visibility. Portfolio-wide risk dashboards show exposure concentration by industry, geography, and risk tier. Instantly identify which customers pose the greatest default risk and prioritize collection efforts on accounts most likely to pay.

• 80% Faster Credit Decisions. New customer credit approvals that took days of manual research now complete in minutes. Automated scoring pulls from multiple sources simultaneously, applies consistent policy rules, and returns approved limits with full audit trail.

How It Works

1. Data Aggregation. Connect to credit bureaus (D&B, Experian, Creditsafe), trade payment databases, public records (courts, UCC filings), and ERP payment history. Build comprehensive counterparty profiles combining financial statements, payment behavior, and legal status.

2. Risk Scoring. Apply ML models trained on default patterns to generate dynamic risk scores. Weight factors include payment trends, industry risk, company size, ownership changes, and macro indicators. Update scores daily as new information arrives.

3. Limit Calculation. Convert risk scores to credit limits using configurable policy rules. Factor in your risk tolerance, customer relationship value, and collateral. Automatically adjust limits up or down as scores change.

4. Alert and Action. Generate alerts when scores cross thresholds or significant events occur (lawsuit filed, payment missed, D&B downgrade). Route alerts to appropriate stakeholders with recommended actions - collection call, credit hold, relationship review.

Get Started

Deploy Credit Scorer to protect receivables while maximizing safe sales. Replace static annual reviews with continuous counterparty monitoring that catches problems early and opportunities immediately.