17-factor scoring model · Annual & quarterly financial analysis · Counterparty profiles with full review history · Portfolio dashboard with rating distribution & exposure analytics · SEC EDGAR auto-fill · AI Copilot. Built for any business that extends credit. On-premise by default — optional AI features are opt-in and always your call.
Agency methodology with an asset-based lens: scored on tangible net worth rather than adjusted EBITDA, and calibrated to be more conservative than the agencies rather than to agree with them. No enterprise price tag, no cloud dependency.
Input income statement, balance sheet, and cash flow data. Get a composite score with S&P, Moody's, and Fitch equivalents instantly — on a scale where the top stays a high bar, because most companies should never reach it.
Automatically calculates recommended credit lines as a percentage of tangible net worth, tiered by rating category. Fully customizable to your internal credit policy.
Instant visual command of your entire credit portfolio. Rating distribution donut, exposure by rating bar chart, investment grade vs sub-investment grade split, industry heatmap, and top-5 concentration view — all in one screen.
Create a persistent profile for every borrower. Each annual review is saved to that profile — giving analysts a complete credit history at a glance and eliminating repeat data entry for renewals.
Score counterparties on quarterly 10-Q filings with automatic annualization. Q1, Q2, and Q3 income statement figures are scaled to full-year equivalents while balance sheet data is used point-in-time — giving you an accurate mid-year credit view.
Log prior ratings and track upgrades and downgrades across your portfolio. Counterparties with two or more reviews auto-populate the migration log. Includes S&P long-run transition probability matrix for benchmarking.
One-click PDF reports with your organization's name. Full scorecard, 17-ratio analysis, peer benchmarks, and credit limit recommendations — ready for credit committee.
Runs entirely on your server or desktop. Your portfolio data is never transmitted to Kredix — full stop. AI features are off by default, use your own API key when enabled, and never change your data without your approval first.
Ask it what's expiring this month, or tell it to score a counterparty and save the review. It operates the same scoring engine and data model as the rest of the app — and every action that changes your data stops for your explicit approval first. It's told never to guess at a financial figure.
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.