Credit score Self Assessment Checker

Evaluate your creditworthiness to make smarter trade and financing decisions

Profile
Financials
Documents
Operations
Identify your business. While this doesn't directly affect score, it's used for report generation.
Corporates (Pvt Ltd) and LLPs score higher as they have better regulatory compliance.
Broader geographic operations suggest a more scalable business model.
3 Years
Vintage matters. >5 years indicates stability.
5 Years
Experienced leadership (>10 years) reduces management risk.
5+
Larger teams indicate operational scale.
Use the sliders to indicate your approximate financial standing. Exact figures are not required for this preliminary assessment.
ā‚¹ 5 Cr
Revenue scale is a key indicator of credit capacity. Higher turnover (> ā‚¹10 Cr) enables larger credit limits.
5 %
Higher margins (>3%) provide a financial cushion against market volatility.
None
Existing bank relationships validate your creditworthiness. Higher existing limits score positively.
1.5 : 1
Measures liquidity (Assets/Liabilities). A ratio > 1.2 ensures you can meet short-term obligations.
1 : 1
Measures leverage. Lower is better. A ratio < 2 indicates a healthy balance sheet not overly reliant on debt.
1.5
(EBIT / Interest Expense). A ratio > 1.5 shows you generate enough earnings to comfortably pay interest on loans.

Compliance Checklist

Select the documents currently available with you.

High concentration means relying on too few buyers. 'Low' is better as it spreads risk.
Owning warehouses implies asset strength and better control over stock.
Owning your fleet suggests operational robustness.
30 Days
Faster stock turnover (lower days) is better.
30 Days
How fast buyers pay you. Shorter cycles (<45 days) improve cash flow.

Do you use futures/options to hedge price risk?

Hedging protects against commodity price fluctuations. Using it significantly lowers risk score.

Assessment Complete

Self-declared Information Analysis

30 OUT OF 100

D (Critical Risk)

Estimated Credit Standing

This score is indicative based on self-reported data. A physical audit and bank statement verification is required for final credit limit approval.

Score Breakdown

PROFILE 4 Points
Business Vintage 3 Years
+4 max 10
Legal Entity Proprietorship
+0 max 5
Promoter Exp. 5 Years
+0 max 5
FINANCIALS 18 Points
Annual Turnover ā‚¹ 5 Cr
+4 max 10
Profit Margin 5%
+5 max 8
Current Ratio 1.5
+5 max 5
Debt-to-Equity 1:1
+2 max 5
COMPLIANCE 0 Points
Documents Available 0 / 10
+0 max 20
Regulatory Status Basic
+0 max 5
OPERATIONS 0 Points
Buyer Risk Medium
+0 max 5
Asset Control Leased
+0 max 5
Cycle Efficiency 60 Days
+0 max 10
Hedging No
+0 max 5

Self-Assessment Credit Score Tool

What is a Self-Assessment Credit Score Tool?

A Self-Assessment Credit Score Tool is a financial readiness and risk-profiling tool that helps traders, exporters, and importers evaluate their creditworthiness and financial health before engaging in trade financing, supplier negotiations, or buyer onboarding. By analyzing key business and financial indicators, it provides an indicative credit score that supports smarter trade and funding decisions.

How can a Self-Assessment Credit Score tool help you?

This tool helps you:

  • Understand how lenders, partners, and counterparties may perceive your credit risk
  • Identify financial strengths and weaknesses before applying for trade finance
  • Improve preparedness for LCs, working capital, and credit negotiations
  • Benchmark your businessā€™s financial standing objectively
  • Reduce surprises during credit evaluations and compliance checks

How do Self-Assessment Credit Score tools work?

The tool evaluates user-provided inputs such as business profile, financial discipline, trade behavior, payment history, and risk factors. These inputs are weighted using predefined scoring logic to generate an indicative credit score or risk band, offering a high-level view of credit readiness without requiring formal credit bureau access.

How to use Grains Globalā€™s SACST calculator?

Using Grains Globalā€™s Self-Assessment Credit Score Tool is straightforward:

  • Enter basic business and operational details
  • Provide inputs related to financial stability and trade behavior
  • Answer risk and compliance-related questions
  • Submit the assessment
  • Instantly receive an indicative credit score and risk insight

Advantages of using Grains Globalā€™s Self-Assessment Credit Score Tool

  • Designed specifically for commodity traders and global trade businesses
  • No impact on formal credit history
  • Quick, confidential, and easy to use
  • Helps improve readiness for banks, NBFCs, and trade financiers
  • Supports better decision-making in trade partnerships

Bonus #1: Critical Concept ā€“ Credit Readiness vs. Credit Eligibility

Credit readiness reflects how prepared a business is for financing based on discipline, transparency, and risk profile, while credit eligibility depends on lender-specific policies. A strong readiness score improves approval chances, negotiation power, and financing terms even before formal evaluation begins.

Bonus #2: Commonly Confused Concepts ā€“ Credit Score vs. Risk Profile vs. Financial Health

Credit Score

A numerical indicator reflecting overall creditworthiness.

Risk Profile

A broader assessment of operational, compliance, and counterparty risks.

Financial Health

The actual strength of cash flow, profitability, and balance sheet stability.

Understanding these differences helps traders approach financing and partnerships more strategically.

Finance Tools

Trade Tools

FAQs ā€“ Self-Assessment Credit Score Tool

No. It is an indicative self-assessment score, not a formal credit bureau rating.
Importers, exporters, traders, SMEs, and businesses seeking trade finance or partnerships.
No. It is a self-evaluation tool and does not report to any credit agency.
Yes. It helps you understand your readiness and areas to improve before applying.
Yes. All inputs are processed securely and used only for assessment purposes.