SME Credit Assessment Pro™

Less data entry. More credit judgement.

A practical Excel-based SME credit assessment and underwriting tool for credit analysts, underwriters, lenders and finance professionals.

SME credit assessments shouldn't require hours of unnecessary data gathering, manual ratio calculations and complicated spreadsheets before you can reach a credit view.

SME Credit Assessment Pro™ is designed to make the process faster, clearer and more structured.

Simply enter the essential company, facility and financial information, and the tool automatically calculates the key financial metrics and produces a structured credit assessment.

What does it do?

📊 Financial Assessment

Assess key areas of the company's financial position, including:

• Revenue and growth
• Gross profit and margins
• EBITDA and EBITDA margin
• Net profit
• Liquidity
• Debt and leverage
• Interest coverage
• Capital employed
• ROCE
• Working capital
• Operating cash flow
• Net debt / EBITDA
• Financial data freshness

💷 Exposure Assessment

Assess the proposed facility in the context of:

• Facility amount
• Facility tenor
• Revenue
• EBITDA
• Cash
• Existing debt
• Net debt
• Financial capacity

🚦 Clear RAG Assessment

The tool provides simple, easy-to-understand credit indicators:

🟢 GREEN — broadly supportive

🟠 AMBER — further review or conditions required

🔴 RED — material concerns requiring referral or reconsideration

📋 Executive Summary

The final output brings the assessment together in a decision-ready format, including:

• Key financial metrics
• Financial RAG
• Exposure RAG
• Overall RAG
• System Recommendation
• Recommendation Rationale

Designed to keep things simple

We deliberately built SME Credit Assessment Pro around one principle:

Ask the analyst for what is needed — not everything that could possibly be collected.

That means:

Two years of financial information rather than unnecessary five-year historical extraction.

Essential company and facility information rather than a lengthy qualitative questionnaire.

Automated calculations rather than manually calculating ratios.

Clear outputs rather than a complicated spreadsheet that takes hours to interpret.

Who is it for?

Ideal for:

• Credit analysts
• Credit underwriters
• SME lenders
• Commercial credit teams
• Trade credit teams
• Supplier credit teams
• Fintech lenders
• Energy and utility credit teams
• Equipment finance teams
• Invoice finance teams
• Finance professionals assessing SME facilities

What's included?

Your purchase includes the complete SME Credit Assessment Pro™ package:

📊 SME Credit Assessment Pro Excel Tool

📘 Quick Start Guide

📕 Product Guide

📄 Licence & Terms

📁 START HERE Guide

No complicated setup

There are no integrations, API connections or external data subscriptions required.

The analyst provides the required information and the Excel tool performs the assessment.

Important

SME Credit Assessment Pro™ is a decision-support tool, not an automated lending decision system.

The tool supports professional credit judgement but does not replace it. Users remain responsible for validating financial information, reviewing supporting evidence, applying their own credit policies and making the final credit decision.

Get started

SME Credit Assessment Pro™ — £29

One-time purchase • Instant digital download

Less data entry. More credit judgement.