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T239 · Cat-20 · SME Financial Health · Credit Scoring

Deterministic SME credit scoring across six dimensions

Score SME credit risk for lending readiness using a rule-based 6-dimension model: revenue, business age, DSCR, payment behaviour, sector risk, and adverse events. Produces an internal credit score (0–100), an S&P-equivalent rating tier, a dimension-by-dimension scorecard, lending instrument recommendations, and a Policy Mandate JSON SME credit profile. Client-side. Zero PII.

SME Credit · DSCR Risk Scoring Lending Readiness Zero PII · Client-side

Last Reviewed · 2026-05-12

Configuration

Currency

Industry Sector

Annual Revenue (last full financial year)

Please enter a positive revenue amount.

Business Age

DSCR (Net Operating Income ÷ Debt Service)

Enter a DSCR between 0 and 10.

Payment Behaviour

Adverse Credit Events

Credit Risk Assessment

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/ 100

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Dimension-by-Dimension Scorecard

Lending Instrument Recommendations

📊 Assess the working capital gap next. Use T240 — Working Capital Gap Calculator to calculate CCC and the funding gap tied up in the operating cycle, then compare against this credit score to size the right facility.

Methodology & Citations

6-dimension scoring model adapted from ICAEW Business Finance Guide (2024) and British Business Bank Small Business Finance Markets Report 2024. Weights: DSCR 25%, Revenue 20%, Business Age 20%, Payment Behaviour 20%, Sector Risk 10%, Adverse Events 5%.
DSCR thresholds based on UK Finance SME credit guidelines. DSCR ≥ 1.25 considered satisfactory by most senior lenders; ≥ 1.5 for asset-backed lending. Source: UK Finance SME Lending Standards 2024.
Sector risk classification based on ONS sector default rate data (2022–2024) and Atradius Payment Practices Barometer UK 2024.
Internal rating tiers mapped to S&P-equivalent scale for benchmarking only. This tool is not a credit rating agency. Output is for indicative, internal risk assessment purposes only.

About This Tool

A rule-based 6-dimension credit scoring model for SME lending readiness. No ML inference — all logic is deterministic and auditable.

Dimension	Max Pts
DSCR	25
Annual Revenue	20
Business Age	20
Payment Behaviour	20
Sector Risk	10
Adverse Events	5
Total	100

Rating tiers:
80–100: Prime (AAA–AA)
65–79: Strong (A)
50–64: Satisfactory (BBB)
35–49: Weak (BB–B)
20–34: Speculative (CCC)
0–19: Distressed (D)

DSCR (Debt Service Coverage Ratio) = Net Operating Income ÷ Total Debt Service. Minimum 1.0 to service debt; ≥ 1.25 preferred by most lenders.

Not a credit rating. Output is indicative only — for internal pre-qualification and lending readiness assessment. Not suitable for regulatory capital calculation.