Analyse the creditworthiness of your clients with Score

Assessing a customer's creditworthiness or ability to pay and their risk of default is essential for many actors, financial organizations, insurers, merchants, etc. In general, estimating a customer's ability to pay and repay is important to reduce the risk of non-payment and ensure a healthy business relationship between the parties.

Protect your business against
- Payment default
- Overdues
- Financial failure
- Inability to pay
- Failure to meet payment deadlines
- Over-indebtedness
- Excessive debt
- Late payment
- Inability to repay

The most common method for estimating a customer's borrowing, payment, and repayment capabilities and risk of default is through the use of credit scoring, an assessment of a borrower's risk of default based on his or her credit history which is used by lenders to determine the likelihood that a borrower will default on a loan.
Another method commonly used to assess a customer's payment and repayment capabilities is financial data analysis, which measures a customer's creditworthiness and debt load. This analysis can include information such as debt-to-income ratio, equity ratio, and total debt-to-income ratio.
Lenders can also rely on sophisticated scoring models that use so-called "alternative" data, such as online payment behavior, banking history, and purchasing habits, to better assess a borrower's ability to pay and risk of default.
It is important to note that estimating a customer's ability to pay and repay is not limited to a single method and that a combination of several methods can be used to provide a more complete and accurate assessment of a customer's ability to pay and repay. Finally, the analysis of a client's ability to pay and repay can be enhanced by using simulation models that test different scenarios, such as changes in interest rates or late payments, to better assess risks and potential impacts on loan repayment.

Our decisioning tools for your :
- Credit risk measurement
- Insolvency risk prediction
- Loan analysis
- Credit rating
- Default risk assessment
- Ability to pay and repay estimation
- Credit score
- Loan decision

To assess the risk of non-payment and secure your payments, our scoring algorithms and machine learning prediction models process banking criteria such as income level, debt level and payment history and/or contextual parameters such as transaction amount, product and industry information and buyer or payment data. This scoring method allows you to better understand the financial situation of your customers and to make relevant and instant decisions regarding the granting of credit or loans, the management of default risks for recurring payments, subscriptions, etc.
Our model is based on an exhaustive analysis of the financial and non-financial data of the buyers, allowing us to take into account a large number of variables in order to evaluate their ability to pay. Our credit scoring solution enables proactive management of payment risks by identifying the most at-risk customers in advance and offering appropriate solutions to reduce this risk. Taking into account contextual parameters, such as industry and buyer information, in our scoring methodology allows for more personalized and relevant credit or lending decisions.

With its huge capacity in terms of data that can be processed and/or are already processed today, our scoring model will help you make your decision, after a simple API call to send us the data you have collected. It will build on what it has learned about our business and will continue to learn and improve on your own market.
The models are therefore regularly updated and adjusted to adapt to market changes, your industry and the context of each call to our API, Score.
Pledg continuously relies on its team of experts in scoring, data analysis and machine learning to ensure the reliability of its scoring models.
We understand the importance of not slowing down sales processes, which is why our solution is designed to easily integrate into your existing workflows, to provide you with a quick and accurate assessment of your customers' ability to pay.