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Our in-house Business Credit Risk Assessment (“BCRA”) scoring model is a balanced set of algorithms, which utilises technically and empirically derived risk models to determine the financial strength and repayment capacity of the Subject Company.

The BCRA model is composed of the following:

Financial risk assessment (“FRA”). We take into consideration both the financials of the Subject Company and its Holding Company (if available). These data will be transformed into useful information (i.e. ratios and regression trends) which will then be used to access the financial strength of the Subject Company.

Company risk assessment (“CRA”). The company risk profile is viewed within the context of management, organisational structure, operational type and size, legal findings and contactability of the Subject Company.