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Credit Assessment Memo

A Binocs product that automates SME credit assessment by analyzing financial, bank, tax, and bureau data to produce lender-ready credit assessment memos with risk scoring and underwriting insights.
Category: Risk Assessment

Description

Credit Assessment Memo is a Binocs underwriting product for processing SME credit files. It analyzes uploaded financials, bank statements, GST returns, tax filings, and bureau data to identify risk factors; calculate and project cash flow and DSCR; review transaction, liquidity, profitability, and leverage patterns; verify tax filings against audited revenue; and apply a multi-factor loan-scoring model. It generates a lender-ready CAM with risk flags, cash-flow analysis, and a scored lending recommendation.