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Turn credit risk into your
competitive advantage

Designed for lenders and businesses providing trade credit.

CreditKernel delivers credit ratings, 12-month probability of default, and industry-specific financial benchmarks in minutes.

Everything you need in a credit review
Identify. Estimate. Communicate.

Benefits

Spreading Financial Statements

No more guesswork or inconsistency. Handle messy financials for any customer, any industry. Every file, one format.

Financial Ratio Benchmarks

Instant generation of key ratios - liquidity, leverage, profitability. Compare apples to apples with industry-aligned peers sets.

Credit Risk Framework

No black boxes. Clear, data-backed credit ratings. Understand the "why" behind each score with transparent, explainable logic.

Credit Rating & Probability of Default

A PD forecast for the next 12 months built on historical data, stress-tested, and proven to reflect real-world default behavior. Aligned with IFRS 9 or CECL standards. 

Custom Risk Appetite Settings

Set your own risk thresholds and approval logic by customer type, industry, region, or product. Automatically route decisions based on your internal policy.

Credit Risk Reports

Credit reports are designed to be clear for sales, finance, and executives - no jargon, just clarity. Reports highlight the strengths and weaknesses of the customer.

How It Works (In 4 Simple Steps)

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​​​​​A process built for impact​

1. Standardized Financial Input​

​​Just enter 11 key financial line items from the customers balance sheet and income statement - the core metrics every analyst already looks at. 

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2. Automated Benchmarking & Scoring​

Our engine applies industry-specific ratio analysis, risk profiling, and credit scoring - all automated.

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3. Get a Real 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.

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4. Decision Logic with Built-In Guidance​

If the customer's rating and limit meet your 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. â€‹

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What Sets Us Apart

Business Meeting

Every business has credit risk

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Now quantify it, control it, and use it to make smarter decisions, faster.

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. 

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The difference?

We don't just suspect it.

We quantify it - instantly. 

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Transparent, Intuitive Credit Ratings

Our platform scores and weights five critical risk categories:

  1. Industry Risk

  2. Years in Business

  3. Peer Competition​

  4. Financial Risk

  5. Liquidity

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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.

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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. 

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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:

  • Automate approvals for low-risk customers

  • Focus due diligence on higher-risk deals

Optimize credit risk. Minimize your stress.

Financial Statement Analysis

Research-backed. User-friendly

Financial health is a top indicator for meeting financial obligations and compete with industry peers. Our financial spreading template highlights red flags or deviations from industry norms. 

Support Growth Strategies

Manage Risk and Reward

Ensure decisions align with your risk-reward framework. Credit ratings support setting pricing, interest rates, loan amounts, credit limits, collateral, and comparing alternatives.  

Effective Communication

Engaging. Not over-engineered

Credit reviews are fined tuned for clarity and consistency, highlighting the counterparty's key strengths and weaknesses. Decisions align to your company's risk appetite. 

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