Our Services
Credit Risk Rating
A transparent, methodology-backed credit risk assessment for any company — generated in one click, built to support a real decision.
Introduction
Extending credit to a customer without a clear view of their financial health is one of the most common sources of bad debt in B2B trade. A late payment becomes a provision. A provision becomes a write-off. And by the time the problem is visible, the goods have already shipped.
The InRatings Credit Risk Rating gives your finance team a complete, auditable assessment of any company's creditworthiness — before you make the decision, not after.
What’s Included in Credit Risk Rating
An AA → E rating with full breakdown
A single consolidated rating built across six independent risk dimensions. You see not just the result, but exactly how it was calculated — which dimensions were weighted, which data sources were used, and why the company scored where it did.
A recommended credit limit
A specific maximum credit exposure figure, expressed in currency terms, calibrated to the company's risk profile at the time of assessment.
A recommended action
One clear instruction: extend credit within the recommended limit, reduce existing exposure, request additional security, or suspend credit. No interpretation required.
A documented assessment trail
Every report is fully auditable — structured to support IFRS 9 expected credit loss requirements and defensible in front of an auditor, a board, or a bank.
Who Is This For?
Credit Risk Rating is built for finance leaders at B2B companies who:
Extend credit on 30–90 day terms to 20 or more active customers
Need a documented, defensible basis for credit decisions — not a gut feel
Are currently buying credit bureau reports that their team doesn't actually use to make decisions
Want a clear recommended action, not a data dump to interpret
