We read bank statements so credit teams can underwrite businesses where bureau data is thin, stale, or missing.
Underwrite the SME debtors you currently decline.
Behavioural cashflow infrastructure for SME credit. Bureau-equivalent reports computed from bank-statement behaviour for the buyers hardest to assess. Every figure auditable to the transaction.
Request a sample reportThe underwriting gap.
For many SME debtors a bureau enquiry returns insufficient commercial data: no trade payment history, no commercial score, nil values. The debtor is too small or too new for the bureau to hold meaningful information.
When this occurs, assessment falls back on the director's personal credit profile (home loans, cards, retail accounts), which does not describe the business's actual capacity to meet supplier obligations. The underwriting file is thin, and cover decisions on that debtor are made with limited visibility.
What CredBackr provides.
CredBackr analyses six months of a debtor's bank statement data and produces a structured assessment across multiple behavioural metrics in five signal families. The output is an auditable evidence layer for the underwriting file: every figure traces directly to specific transactions in the source statement.
What it is
- A deterministic, rule-based assessment of observed transaction behaviour.
- A standalone document an underwriter can read and trace, line by line.
- An evidence input that supplements the existing underwriting process.
What it is not
- It does not produce a credit score, risk grade, or rating.
- It does not recommend a cover decision or a limit.
- It contains no predictive model and no black-box AI.
Where it fits against the bureau check.
Where the bureau returns nil, the assessment effectively replaces it. Where bureau data exists, it strengthens the underwriting file with behavioural evidence the bureau does not hold.
The credit owner retains the decision. CredBackr computes and presents; the insurer, supplier, or bank assesses and decides.
Built for the credit owners who hold the book.
Trade credit insurers.
CredBackr supports insurers in assessing the SME debtors within policyholder books — the buyers where bureau data returns little or nothing. The assessment sits alongside existing underwriting inputs and can serve as an agreed vetting basis within a discretionary credit limit framework.
Suppliers with concentrated SME debtor books.
CredBackr supports suppliers in assessing the SME debtors within their own books, providing structured behavioural evidence on buyers the bureau cannot describe. The same assessment supports the insurer who covers the receivable.
Banks and lenders.
CredBackr supports lenders in assessing the SME debtors within debtor books offered as collateral. An insured book grounded in auditable assessment is stronger security than one carried blind on the unverifiable portion.
Five behavioural dimensions, one structured report.
Each family produces an independent signal with its own confidence level. No composite score.
Revenue Rhythm
How often and how steadily money comes into the account
Cash Cushion
How much cash is available to cover daily spending
Obligation Discipline
Whether statutory and essential payments are being made on schedule
Operating Flexibility
How much spending is fixed versus adjustable
Trade Credit Readiness
Combined assessment of supplier funding patterns and behavioural profile
Why this is durable.
CredBackr's near-zero marginal cost and unit economics are the consequence of its architecture, not a price point. Every report is generated deterministically from a fixed rule set over verified bank-statement transactions. There is no model, no inference, no language-model call in the production pipeline — zero LLM tokens, no model to validate, no drift to monitor. Every figure traces to a specific transaction.
This is also the durability argument. As credit decisioning comes under tighter regulatory scrutiny — the European Union's AI Act in August 2026, evolving model-risk and outsourcing expectations in every other major market — an architecture that has no model to validate and no drift to monitor sits outside the categories that those frameworks reach. The economics that make these debtors assessable are the same properties that keep the position durable.
In live pilot with a major South African trade credit insurer.