SME credit scoring
A credit score built on real business performance
Zinrve transforms verified transaction data into a transparent financial health score — giving lenders confidence and giving SMEs a fair chance at capital.- Familiar, standardised score range
- 300–850
- Weighted financial health factors
- 15+
- Faster credit decisions for lenders
- 3x
Overview
Closing the SME financing gap
Millions of viable small businesses are turned down for credit because they lack formal financial statements or collateral. At the same time, lenders struggle to assess risk accurately and affordably.
Zinrve bridges that gap. Our scoring model evaluates verified, multi-source transaction data — revenue stability, cash-flow coverage, payment behaviour and growth trends — to produce a score that reflects how the business actually performs.
Every score is explainable. Businesses see what influences their score and how to improve it, while lenders receive the evidence behind every number.
Capabilities
What is included
Financial health score
A single, standardised score summarising the strength and stability of the business.Explainable factors
See exactly which factors raise or lower the score, with clear guidance.Verified data only
Scores are built on connected, reconciled data — not self-reported figures.Continuous updates
Scores refresh as new data arrives, supporting ongoing portfolio monitoring.Consent-based sharing
Businesses decide which lenders can view their score and for how long.Lender API
Institutions can integrate scores and supporting data directly into their workflows.How it works
How the score is produced
Verify
Data is drawn only from connected and reconciled sources.Analyse
Over fifteen factors are evaluated, from revenue stability to repayment history.Score
Factors are weighted into a standardised, comparable financial health score.Share
With the business owner’s consent, the score and evidence are shared with lenders.
In practice
Where it creates value
Real outcomes our customers achieve with Zinrve every day.First-time borrowers
Businesses without formal statements can demonstrate creditworthiness.Faster underwriting
Lenders replace weeks of manual review with verified, structured data.Portfolio monitoring
Track borrower health after disbursement and intervene early.
FAQ
Frequently asked questions
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