Credit Risk Management

Financial Data Extraction and Trade Association Connectivity

Seamlessly integrate public company financials and utilize AI-powered data capture for private companies' financial statements, while also enabling trade credit associations connectivity to enhance credit insights

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Integrated Financials, AI Data Capture, and Industry Credit Connectivity

Enhancing Credit Insights Through Integrated Financials and Collective Payment Behavior.

Financial Data Aggregation

Public Financials Aggregation: This automates the collection of Financial Statements, like Balance Sheets, Income Statements, and Cash Flow Statements, from more than 15 public sources such as Edgar, S&P, BvD, Crefo, Graydon, and others.
Better Credit Insight: Public companies regularly share their financials, and using this data often gives a clearer view of their creditworthiness compared to Credit Agencies.
Out of the Box Integrations: This feature automates the process of gathering Credit Reports from over 10 Trade Associations in different industries. Examples include the National Chemical Credit Association (NCCA), National Association of Credit Management (NACM), and Sports Industry Credit Association (SICA).

Financial and Credit Report Data Extraction

AI-Driven Data Extraction: Our AI uses smart algorithms to automatically get key info like Total Assets, Accounts Receivable, and more from private financial statements that people upload.
Credit Report Data Extraction: We automatically take out detailed data from credit reports, like Historical Aging and Credit Limit Utilization from other Trade Association members, while clients choose the specific data points for their credit scoring.

Derived Financial Ratios

Automatic Ratios: Our system calculates ratios like Debt to Equity, Debt to Income, and Current Ratio from financial data.
Understanding Health: These ratios help us understand the company's finances, like its debts, ability to pay, and overall strength.
Credit Scoring Help: These ratios are crucial for figuring out how trustworthy the company is for credit, helping Credit Scoring Models.

Frequently Asked Questions

1. What does Public Financials Aggregation do?

Public Financials Aggregation automates the collection of Financial Statements like Balance Sheet, Income Statement, and Cash Flow Statement from public sources such as Edgar, S&P, BvD, Crefo, Graydon. This helps gain insights into creditworthiness more effectively compared to relying solely on Credit Agencies.

How does AI-Driven Data extraction work?

AI-Driven Data extraction employs AI algorithms to automatically extract essential data points like Total Assets, Total Liabilities, Accounts Receivable, EBITDA, Interest Ratio, etc., from private financial statements that prospects submit as part of the Online Application Form.

What are Derived Financial Ratios and what role do they play?

Derived Financial Ratios are automatically calculated ratios like Debt to Equity, Debt to Income, and Current Ratio. These ratios provide valuable insights into a company's liquidity, leverage, growth, and margins. They serve as key inputs for Credit Scoring Models.

What is Out of the Box Integrations in Trade Associations Connectivity?

Out of the Box Integrations automate the process of gathering Credit Reports from diverse Trade Associations like NCCA, NACM, SICA, across various industries.

How does Credit Report Data Extraction function in Trade Associations Connectivity?

Credit Report Data Extraction automatically collects detailed data (100+ points) from credit reports, including historical aging and credit limit utilization from other Trade Association members. This data is shared anonymously. Clients select specific data points for use in their credit scoring algorithms.

Financial Data Extraction and Trade Association Connectivity