Universal Credit Score
Self Assessment Finance Marketplace
Multi Bank RFQ Finance Marketplace
Bank Explorer Due Diligence
Finance Toolkit AI Insights
Prompt Templates

Universal Credit Score - Self Assessment

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.
₹ 5 Cr
Revenue scale is a key indicator of credit capacity. Higher turnover (> ₹10 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 ₹ 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 business’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 Global’s SACST calculator?

Using Grains Global’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 Global’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 – 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 – 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 – 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.

Create RFQ

RFQ Overview
Trade & Transaction Details
Instrument Terms
Document Requirements
Attachments

RFQ Overview

Please enter Beneficiary Name
Please enter amount greater than 0
Please select Type of LC
Please select Incoterm
Please select Country of Origin
Please select Country of Destination
Please enter Goods/Service Description
Please select Expiry Date

Trade & Transaction Details

Next Step →

Instrument Terms

Document Requirements

Attachments

No proforma invoice file uploaded

No trade documents uploaded

No KYC documents uploaded

Bank Explorer:
Your Gateway to Global Finance Opportunities

Identify products that move across Africa-Middle East routes
or find top sourcing and export markets for any agricultural commodity.

Bank Explorer

What is a Bank Explorer?

The Bank Explorer by Grains Global is an intelligent, data-driven tool designed to help exporters, importers, freight forwarders, and global traders evaluate global banks' trade-finance friendliness, efficiency, charges, and processing behavior. Use it to make informed decisions before initiating LC, SBLC, BG, or international payments.

The Bank Explorer is a smart intelligence module that lets users analyze the performance, credibility, and global trade reliability of banks. Instead of guesswork, traders can review behavior patterns, documentation tendencies, LC/SBLC handling speed, and country-specific compliance strictness of banks.

How can a Bank Explorer help you?

A Bank Explorer helps traders:

  • Identify banks that offer smoother and faster trade-finance operations.
  • Evaluate a bank's behavior related to LCs, amendments, negotiations, and document scrutiny.
  • Compare bank charges, processing timelines, success ratios, and risk levels.
  • Avoid costly delays and compliance issues in international transactions.
  • Choose the right bank for exports, imports, or financial instruments like LC, SBLC, BL, or remittances.

How do Bank Explorers work?

A Bank Explorer analyzes multiple data sources such as:

  • Historical trade-finance performance
  • Processing timelines for LCs, SBLCs, collections, payments, document checks
  • Bank-specific compliance tendencies
  • Customer reviews and risk patterns
  • Country-level banking regulations
  • Transaction success rates

Using these insights, it provides traders with a structured, comparative view of bank efficiency, reliability, and risks for global trade.

How to use Grains Global’s BE (Bank Explorer)?

  • Visit the Bank Explorer tool on Grains Global.
  • Select the country or bank you want insights on.
  • Review performance metrics—processing speed, LC behavior, charges, risks, documentation strictness, etc.
  • Compare banks if needed.
  • Use the insights to choose the bank that best fits your trade-finance requirement.
  • Save/export insights or share them with your logistics or finance team.

Advantages of using Grains Global’s Bank Explorer

  • Real-world, experience-based intelligence from global trade professionals
  • Data-driven evaluation of bank behavior
  • Helps avoid delays, rejections, amendments, and compliance penalties
  • Improves decision-making for LC issuance, negotiation, and payment routing
  • Enables side-by-side comparison of multiple banks
  • Country-level insights for more accurate trade planning
  • Saves time, money, and operational effort for exporters and importers

Bonus #1 – Critical Concepts Explained

1. LC (Letter of Credit) Behavior Patterns

Banks differ significantly in how they handle LCs—some are document-strict, some are amendment-heavy, some are fast negotiators. Understanding a bank’s behavior helps exporters avoid unexpected discrepancies and payment delays.

2. Compliance Intensity

Banks in certain countries enforce stricter compliance rules due to regulations like AML, OFAC, FATF, etc. Knowing this helps traders prepare accurate documentation and avoid shipment holds.

3. Document Examination Tendencies

Some banks reject documents for minor formatting issues, while others accept reasonable variations. Insights on this reduce discrepancies and re-submission cycles.

Bonus #2 – LC vs. SBLC vs. Bank Guarantee Comparison (Common Confusions)

Letter of Credit (LC): A payment assurance instrument used in international trade; ensures the seller gets paid upon presenting compliant documents.

Standby Letter of Credit (SBLC): A backup payment guarantee triggered only if the buyer fails to pay; more like a safety net.

Bank Guarantee (BG): A broader financial assurance used for contracts, bidding, and performance—not necessarily tied to trade documentation.

Where confusion occurs:

  • Exporters assume SBLC = LC, but SBLC only pays in case of default.
  • BG doesn’t require shipping documents, unlike LCs.
  • LC is for trade transactions; BG/SBLC primarily serve financial risk mitigation.

Finance Tools

Trade Tools

FAQs – Bank Explorer

Yes, it utilizes aggregated trade-finance insights, historical behavior patterns, and verified industry experiences.
It cannot “predict” delays but provides behavioral patterns that help identify banks known for slow or fast processing.
Absolutely. It simplifies complex trade-finance evaluations and helps beginners avoid banking mistakes.
Where available, it provides indicative charges or relative cost behavior.
Yes, the tool is designed to help users compare performance metrics across banks.

Technology That Powers Global Trade
— Simply, Securely, Smartly.

Experience end-to-end visibility, multi-bank finance, and verified trading — all in one powerful platform.
Digitize your trade, compare finance instantly, and transact securely with verified global partners.

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Finance Factory

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Finance AI Prompts

Powerful AI templates for trade finance, credit analysis, and banking