diff --git a/docs/lending/premium-products/credit-model-overview.md b/docs/lending/premium-products/credit-model-overview.md new file mode 100644 index 000000000..7b6db9675 --- /dev/null +++ b/docs/lending/premium-products/credit-model-overview.md @@ -0,0 +1,156 @@ +--- +title: "Credit model overview" +displayed_sidebar: "lending" +description: "Access a detailed data-driven assessment of a business's financial health and creditworthiness" +--- + +import Products from "@components/Products"; +import { IntegrationsList } from "@components/Integrations"; +import { integrationsAccountingFilterCreditModel, bankingIntegrations } from "@components/Integrations/integrations"; +import Tabs from "@theme/Tabs"; +import TabItem from "@theme/TabItem"; + +Lending's premium **Credit model** feature provides an intuitive way to interpret, visualize, and analyze a borrower’s accounting and banking data. It offers a holistic view of financial performance to support credit decisions and other financial evaluations. + +:::info Premium feature + +Credit Model report is a premium feature of the Lending product. Contact your Account Manager if you wish to enable it. + +::: + +## Features + +The Credit model contains a variety of features that enhance the underwriting process: + +- **Dashboard:** an all-encompassing view of a borrower’s financial health + +- **Credit score:** a customizable credit score that aligns the model to the metrics most important to your analysis + +- **Accounting score:** an evaluation of the quality and completeness of a business’s bookkeeping + +- **Financial summary:** financial statements that are automatically spread with calculated metrics and ratio + +- **Bank summary:** bank transaction data that is converted into a cash-based profit and loss statement + +- **Debt summary:** a breakdown of existing debt with historical and projected repayment terms + +- **Customer summary:** terms, concentration, and punctuality of a borrower’s receivables + +- **Repayment summary:** terms, concentration, and punctuality of a borrower’s payables + +## Feature components + +The Credit Model report can be based on accounting data sources, banking data sources, or both. + +#### Supported integrations: accounting + +