SME Credit Risk Scoring Engine · T239 · Cat-20

6-dimension SME credit risk scoring engine. Score revenue, business age, DSCR, payment behaviour, sector risk, and adverse events. Internal rating, lending recommendations, Policy Mandate JSON export. Client-side. Works offline. Zero PII.

Tool URL: https://ainumbers.co/tools/239-sme-credit-risk-scoring.html AP2/Policy Mandate export: yes

post/v1/tools/sme_credit_risk_scoring

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/sme_credit_risk_scoring
  • Auth: none declared

Request body

currency'GBP' | 'USD' | 'EUR' required

Reporting currency

sectorstring required

Industry sector of the SME

revenuenumber required

Annual revenue in selected currency

businessAgenumber required

Business age in months

dscrnumber required

Debt Service Coverage Ratio (NOI / Debt Service)

paymentBehaviour'excellent' | 'good' | 'fair' | 'poor' | 'default' required

Historical payment behaviour classification

adverseEvents'none' | 'minor' | 'ccj' | 'significant' | 'insolvency' required

Adverse credit events on record

Response

Successful tool execution result

compositeScorenumber
ratingstring

Internal rating: Prime / Strong / Satisfactory / Weak / Speculative / Distressed

spEquivalentstring

Approximate S&P equivalent rating band

dimensionScoresobject

Score breakdown per dimension

lendingRecommendationsstring[]

Changes

No recorded changes to this operation across all 1 revision of this API.