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Industry leading credit risk models

Valuatum SaaS credit risk analysis software revolutionizes credit rating process through advanced automation and dynamic credit risk models. Valuatum offers the most accurate credit ratings including automated analysis and reporting. Valuatum’s platform creates value through the credit value chain from credit applicant to investors.

SPEED UP CREDIT APPLICATION PROCESS

Receive pre-rated credit applications and reports for further analysis

Improve the average quality of credit applications

Generate different types of automatic reports

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STATE-OF-THE ART BANKRUPTCY MODELS

Based on advanced machine-learning algorithms


Models adapt to situations where traditional models fail

No more missed opportunities or decisions based on misleading information

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VERSATILE CREDIT ANALYSIS PLATFORM

Access and edit your data anywhere via web browser, Excel models, or APIs

Platform can be tailored to fit your needs exactly

Access to audited financial data of nearly 200 000 Finnish companies

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Valuatum’s platform creates value to all participants of the credit supply chain

FEATURE 1

Easily sent your credit application to multiple lenders through Valuatum’s platform

User-friendly interface provides fast and logical data entry for application

Transparent credit application process and feedback report with suggestion in case of rejected application

Automated credit application process and reports save time and effort

Increse the chance of making profitable credit decisions and reduce risks

Multiple customization options, access to extensive database and versatile comparison tools

Receive standardized credit reports on case companies


Increase transparency between investor and broker


Loans granted by using Valuatum’s software are more accurately rated

Compare how Valuatum’s model outperforms the prevailing way to estimate credit rating

PREVAILING WAY

VALUATUM WAY

PROCESS

  • Most of the time consuming manual tasks are performed by lender

APPROACH

  • Use of inaccurate/outdated models and methods where bankruptcy risk is often estimated just by looking at a few financial ratios
  • Does not take into account the individual characteristics of case companies

RESULT

  • Prevailing way places all companies into same mold, failing to estimate bankruptcy risk accurately in cases where individual approach is needed

PROCESS

  • Most of the time consuming tasks are automated

APPROACH

  • Based on advanced models and methods where bankruptcy risk is estimated by dynamically weighting financial ratios
  • Takes into account the unique nature of each case company

RESULT

  • Valuatum’s way chooser the most suitable financial ratios and adjusts weights to fit each scenario
  • Bankruptcy risk is estimated accurately for each individual case

Real-life examples of how traditional credit rating estimation methods might fail

EXAMPLE 1

EXAMPLE 2

COMPANY PROFILE

  • Company ”A’s” business is relatively stable. It has a high profitability with a good financial standing. Thus they don’t need to maintain good liquidity because they can easily get credit from the bank if needed.

CREDIT RISK ESTIMATION

  • Due to fixed weights, prevailing model(s) overemphasize the impact of liquidity. This makes company ”A’s” estimated bankruptcy risk to be higher than it really is, which also makes its credit rating worse.

CONSEQUENCES

  • Investor might consider loaning company ”A’s” to be too risky investment, missing a good low risk opportunity.
  • Company A’s interest rate is higher than it should be
  • Company A’s chance to get credit from alternative sources decreases

COMPANY PROFILE

  • Company ”B” has a poor profitability and it’s making heavy losses. It has a weak financial standing with low equity. Thus it doesn’t have buffers to face any setbacks.

CREDIT RISK ESTIMATION

  • With these type of cases prevailing model(s) underemphasize the impact of liquidity. This makes company ”B” more creditworthy than it really is.


CONSEQUENCES

  • Lender/Investor might make too risky of an investment vased on inaccurate credit rating
  • Lender does not get the interest rate that is justified
  • Company B’s stakeholders remain exposed to future setbacks

Key features of Valuatum Credit Risk Platform

Title
Company Views

Visualize financials

Customizable views

Future estimates

Build scenarios

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Title
Comparison tools

Peer group analysis

Versatile selections

Hundreds of variables

Lists and scatter plots

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Title
Automatic reports

Pre-filled tables and graphs
Customizable layouts

PDF and Word formats

One-click printing

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Excel models
Excel models

Save and edit financial data effortlessly
Easy-to-use and intuitive models
Automatic features

Supports custom sheets

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