---
title: "SME Credit Risk Scoring Engine · T239 · Cat-20"
method: POST
path: "/v1/tools/sme_credit_risk_scoring"
---

# SME Credit Risk Scoring Engine · T239 · Cat-20

`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

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

## Request body

- object
  - `currency` 'GBP' | 'USD' | 'EUR', required: Reporting currency
  - `sector` string, required: Industry sector of the SME
  - `revenue` number, required: Annual revenue in selected currency
  - `businessAge` number, required: Business age in months
  - `dscr` number, 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 `200`

Successful tool execution result

- object
  - `compositeScore` number
  - `rating` string: Internal rating: Prime / Strong / Satisfactory / Weak / Speculative / Distressed
  - `spEquivalent` string: Approximate S&P equivalent rating band
  - `dimensionScores` object: Score breakdown per dimension
  - `lendingRecommendations` string[]

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)