Financial statement scoring with S&P · Moody's · Fitch rating equivalents, live news intelligence, credit limit recommendations, and portfolio migration tracking. Your data never leaves your walls.
Built on the same methodologies used by S&P, Moody's, and Fitch — without the enterprise price tag or the cloud dependency.
Input income statement, balance sheet, and cash flow data. Get a composite 0–100 score mapped to equivalent S&P, Moody's, and Fitch ratings instantly.
Real-time news feed for each company you score. Sentiment-tagged headlines from financial news sources surfaced directly in the credit file.
Automatically calculates recommended credit lines as a percentage of tangible net worth, tiered by rating category. Fully customizable to your internal credit policy.
Track your entire loan book in one view. Aggregate exposure by rating category, identify concentration risk, and monitor credit quality across all borrowers.
Log prior ratings and track upgrades and downgrades across your portfolio. Includes S&P long-run transition probability matrix for benchmarking.
One-click PDF reports with your institution's name. Full scorecard, ratio analysis, peer benchmarks, and credit limit recommendations — ready for credit committee.
Runs entirely on your server or desktop. No financial data ever transmitted to Kredix or any third party. Passes data governance and IT security review.
Compare any borrower's ratios against industry medians across 7 sectors. Instantly see where they stand relative to their peers on every key metric.
Pre-loaded with sample companies. Try your own numbers — nothing is saved.
One-time annual license. No per-user fees. No data leaving your network. Cancel anytime.
Perfect for a single credit analyst or small lending team.
For credit departments with multiple analysts and shared portfolio monitoring.
For larger institutions, multi-branch deployments, or custom integrations.
All plans include a 30-day free trial · Annual billing · Volume discounts available for multi-branch deployments
Join credit analysts at community banks and credit unions who use Kredix to score borrowers faster, make better lending decisions, and keep their data where it belongs — on their own servers.