Credit|Redi combines the qualitative assessment analytics of the Profit|Optimizer with the quantitative measurement precision of CreditAides Z Score report services.
Need a loan?
Trying to raise capital?
Need an accepted industry standard credit rating to demonstrate creditworthiness?
Need to develop a compelling business plan for investors and bankers?
Credit|Redi is a credit decision and financial health analysis tool. It generates a Z Score credit rating for Small Mid-Sized Business Enterprises (SME). It demonstrates creditworthiness to lenders and capital providers. It offers assessment tools to address risk factors present in the company's business and determines optimized capital allocation strategies to fund expansion.
Credit|Redi creates an in depth financial health assessment ranging from two to five periods. Users define data points of monthly, quarterly or annual periods for to determine financial health trend analysis.
Credit|Redi offers users a complete series of business assessment apps to spot risks, opportunities for improvement and the capital needed to improve profitability and growth. Credit|Redi facilitates winning business plan to win the confidence lenders.
Credit|Redi supports all global accounting conventions and currencies.
Credit|Redi App Features:
Z Score Credit Rating and Financial Health Assessment Report, Three Sets of Performance Dashboards, Self Assessment Scoring Methodology, Calculation of Capital Requirements Budget and Enterprise View of Aggregated Risk
Credit Rating and Financial Health Assessment Report:
Credit Score Calculation and full set of financial assessment reports to determine credit rating, balance sheet and income statement stress factors.
Report Package Includes:
Z Score Credit Assessments
Cash (Funds) Flow
Source and Application of Funds
Key Metrics / KPI's
Product and Market Dynamics
Business Function & Operations
Critical Success Factors
Risk Assessment Matrix
Product and Market Dynamics Assessment:
Product Risk / Customer Risk / Supply Chain / Competition / Market Dynamics
Business Function Assessment:
Operations / IT / HR / Facilities / Sales & Marketing / Management / Accounting,
Critical Success Factors:
Risk Assessment Matrix / Business Ratio / Business Plan Checklist / Macroeconomic Risk
ROI calculator, 40 Page workbook.
Workout Planning Program
Initial Survey for New CEO
Preparation for Capital Raise
Credit Extension / Default Mitigation
Board of Directors Presentation
Management Team Building
Risk Management Program
Strategic Alliance / Merger Review
Capital Allocation / ROI Assessment
Users Include: Small midsize business owners, CFOs, controllers, C Level managers, commercial loan specialists, bankers, credit unions, workout specialists, alternative finance providers, IT managers, HR consultants, sales managers, facilities managers, CPA’s, private equity firms, business coaches, due diligence professionals
Sum2 partners with Credit|Aides to generate financial health assessment reports.
System Requirements: App directs users to Dropbox site to download zip file. Zip file contains MS Excel Assessment Apps and PDF input form for Z Score Financial Health Assessment Report Server. Android users require Mobile Office, PDF Reader and Zip File Manager.