Operational
A report is a snapshot. A limit is a decision.
Pulling a company report is easy and everybody sells it. The useful part is turning it into a limit, knowing when it has gone stale, and being told when something changes rather than finding out at settlement.
Run under our data contracts, or bring your own.
The problem
The report was fine. It was eleven months old.
Most credit failures in trade are not failures of assessment. Somebody pulled a report, it looked acceptable, a limit was set, and then nothing happened for a year while the counterparty's filings went stale, its payment behaviour drifted and nobody re-pulled because there was no trigger to.
The second failure is quieter. A report arrives, it is read, a number is written down, and the reasoning behind that number lives in the head of whoever wrote it. Six months later a different person has to decide whether to increase the limit and has no idea what the first decision rested on.
So the service is not the report. It is the report attached to a limit, with a freshness clock, a recorded rationale and a monitoring trigger, so the assessment stays an assessment rather than decaying into a number in a spreadsheet.
- Freshness enforced, so a stale report cannot quietly support a limit
- The reasoning recorded alongside the number
- Changes pushed to you, not discovered at settlement
How it works
Pull, assess, monitor, re-check.
By API, or as a queue your credit team works in, or run entirely by our team.
- 01
Identify the counterparty properly
Search and match against company registries first, because most bad credit data is a good report on the wrong entity. Group structures and similar trading names are where this goes wrong.
- 02
Pull the report
Company financials, filings, payment behaviour and any adverse indicators available in that jurisdiction. Coverage and depth vary a great deal by country, and the result says which it is rather than presenting thin data as thorough.
- 03
Turn it into a limit
Against your policy: thresholds, sector and corridor adjustments, concentration rules. The recommendation and its reasoning are recorded together, so the next person inherits the argument and not just the figure.
- 04
Monitor and re-check
A freshness clock per counterparty, and monitoring so a material change reopens the assessment as a task with an owner rather than appearing in a monthly report nobody reads.
What the service covers
- Registry matched
- Entity identified before a report is pulled
- Limit + rationale
- The number and the reasoning recorded together
- Clock per report
- Freshness enforced rather than assumed
- Your contract
- Use your own credit data agreement if you have one
Credit data is supplied by third-party providers and coverage varies significantly by jurisdiction. We will tell you what is available in your corridors before you commit, including where it is thin.
What you get
Report, limit, and the part in between.
The middle step is the one most services leave to you.
- 01 Entity matching
- Registry search and match before anything is pulled, so the report is about the company you are actually trading with.
- 02 Reports in the corridors you use
- With an honest statement of depth per jurisdiction rather than a uniform presentation of very uneven data.
- 03 Limits against your policy
- Your thresholds and adjustments applied consistently, rather than each analyst applying their own recollection of them.
- 04 Recorded rationale
- Why this limit, on what evidence, decided by whom. The thing that makes the next review quick instead of a re-run.
- 05 Freshness and re-checks
- A clock per counterparty, and a re-pull that reopens the assessment rather than silently overwriting it.
- 06 Your own data contract
- If you already have a credit data agreement, run on it and keep your rate. The default exists so you are not blocked on procurement.
Questions
Practical questions.
Which data providers do you use?
We will name them during scoping and tell you exactly what coverage they give you in your corridors. We are not going to list them here, because which provider is right depends on where you trade and that conversation is more useful than a logo.
Can we bring our own provider contract?
Yes, and many institutions do. Any integration can run on your own credentials, so you keep the agreement and the pricing you negotiated.
Who makes the credit decision?
You do, or your regulated entity does. We apply your policy, produce a recommendation with its reasoning, and route anything outside agreed thresholds to you. We do not take on your credit authority.
How good is coverage in emerging markets?
Uneven, and that is the honest answer for every provider in this market. Some jurisdictions give you filed accounts and payment behaviour; others give you a registration and little else. We will tell you which of your corridors are which before you sign anything.
Can we use this without any finance from you?
Yes. It is a standalone service and nothing about it assumes a facility.
How is it priced?
Per report, with volume tiers, plus monitoring per counterparty under watch. If you bring your own data contract you pay the provider directly and us for the assessment layer.
Next
Give us ten counterparties.
Names and countries. We will come back with what the data actually supports in those corridors, and where it would leave you guessing.
- Run on your real counterparties, not a sample
- An honest read on coverage per jurisdiction
- No facility, and no obligation to discuss one