SME Credit Process

Product Brief
Digital end-to-end automated workflow for SME on-boarding, risk assessment, credit decision and portfolio tracking
End Customer
Financial institutions and large corporation engaging with SMEs as clients, suppliers and partners
Key benefits
Transparency, agility, efficiency, speed, accuracy and a better user experience for SME clients, local branches, credit/risk teams and other central decision makers

SME Credit Reports

Product Brief
Instant detailed business profile, including sectoral benchmarks, delivering insight and enabling SMEs to build trust with banks and other trading partners
End Customer
SMEs, SME accountants and Spanish banks for whom the Bank of Spain has made SME credit reports mandatory (“Informe Financiero PyME”, Bank of Spain circular 6/2016)
Key benefits
Objective business intelligence, sectoral benchmarking and, for financial institutions, SME engagement

INBONIS SME Rating

Product Brief
Proprietary process and set of algorithms for SME risk assessment building on traditional ratings by adding unique data sources and automated analysis and delivering a Probability of Default
End Customer
Financial institutions and large corporation engaging with SMEs as clients, suppliers and partners
Key benefits
Automated SME rating, diverse data sources, standardised evaluation and a probability of default

SME Reputation

Product Brief
Automated data aggregation combined with a quant/qual model including local news sentiment analysis, alerts and business partner reputation analysis
End Customer
Financial institutions and large corporations with a need for better insight and predictability regarding SME clients
Key benefits
Improved predictability, data sources, efficiency & scale of a digital solution with the accuracy & insight of local sources