Credit ratings that help SMEs and mid-caps grow
INBONIS Rating’s credit ratings allow SMEs to raise growth financing at a price aligned with their business reality, win contracts, access credit insurance and enhance their financial and sales management.
Positive impact on the companies rated*
55% raise long-term financing within the following 6 months
They achieve 16% average sales growth in the 2 years following their first rating
*INBONIS internal data about the companies rated by INBONIS, as of December 31th, 2024
Why choose Inbonis?
We are the pioneering rating agency for SMEs and mid-caps in Europe and the market leader by number of ratings issued. We bring democracy to credit ratings in the small-cap universe so that smaller businesses can demonstrate their credit quality using the same yardsticks as large enterprises have been using for 50 years.
LEADERS
~1,000
companies rated with revenue of €0m to €500m
PIONEERS IN SME RATINGS
Specific
methodology
Innovative and proven methodology for SMEs and mid-caps
Disruptive
pricing
Between €4,500 and €20,000 per annum for rating issuance and 12 months of monitoring*
Nimble
process
10 days. Average issuance period. 4 hours of dedication per rated company
*Depending on the complexity, time commitment and application volumes
Why get a credit rating?
Hundreds of European SMEs and mid-caps with revenue of up to €500 million have been able to use their INBONIS credit rating to demonstrate that their credit profile is stronger than that attributed to them by the market via automatic scoring systems that only consider financial variables.
What are the benefits of a credit rating?
All large enterprises are rated because this financial tool gives them many advantages. At INBONIS, we provide ratings that grant SMEs and mid-caps the same opportunities as large multinational companies.
Open up access to long-term public financing
Open up access to long-term public financing
Credit rating is becoming an eligibility criterion to access many state and regional financing programs, acting as a fast-track and providing transparency and objectivity to the process.
Accelerate foreign trade and internationalisation
Accelerate foreign trade and internationalisation
- Inbonis ratings streamline the process of obtaining guarantees from Cesce on behalf of the State. Cesce recognizes our ratings as a benchmark of solvency in their analysis of operations with SMEs and mid-caps.
- The credit rating is also suitable for international tenders, helping to demonstrate the economic viability and financial solvency of companies.
Secure a bank loan to fund your growth initiatives
Secure a bank loan to fund your growth initiatives
On occasion, SMEs fail to provide the banks with financial and business information of the quality needed for loan approval analysis purposes. With our ratings reports, companies can provide the banks with exhaustive and well-structured information to help inform their lending and pricing decisions.
Attract investment or alternative financing
Attract investment or alternative financing
You can use our ratings to substantiate your company’s solvency before asset managers and institutional investors that provide equity and other alternative sources of financing (private debt, bond issues, commercial paper). Having this information at hand before embarking on fund-raising can give you the upper hand when negotiating with financiers.
Win and retain large customers
Win and retain large customers
A positive credit rating constitutes a quality seal when it comes to accessing the major supply chains. Large enterprises want solvent suppliers that will prove resilient in the medium and long term. Credit ratings facilitate your firm’s certification as a supplier.
Improve your management
Improve your management
Our ratings reports contain very useful information for detecting your company’s strengths and weaknesses, information that can help you take managerial decisions through the lens of an independent assessment such as that provided by a credit rating.
Our customers and partners*
Our customers and partners*
*Non-exhaustive list
Latest news
January 28, 2025
Inbonis Rating announces appointment of Jean-Michel Royo as Chairman of the Strategy Committee
December 05, 2024
OECD support for the credit rating of SMEs
June 03, 2024
INBONIS Rating: five years of major innovations rating European SMEs
March 21, 2024
INBONIS Rating appoints Hugo Bänziger as Chairman of the Board of Directors to lead a new phase of European expansión
February 28, 2024
Family businesses are more financially sound than non-family businesses when their credit ratings are assessed
March 21, 2023
Sarai Criado Nuevo appointed INBONIS Rating Chief Corporate Development Officer
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