Overview

Our Credit Rating Estimation tool is built into the Loan rates database. It is an intuitive solution that allows you to calculate the borrower’s credit rating in the tested transaction based on the company’s financials.

Credit rating estimation tool 

• Our tool lets you quickly and accurately calculate a borrower’s credit rating in a transaction based on company financials.
• The tool is fully transparent and objective. All calculations, such as current assets, retained earnings, etc., are taken from the company’s financial statements to calculate its Altman Z-score.
• The tool combines key ratios into a single score to give you an overall indication of the entity’s financial performance.
• Whether you want to set the interest rate in a loan transaction or estimate your company’s reference credit rating, our quick and easy-to-use tool provides the data you need.

About the Altman Z-score

What is Altman Z-score?

The Altman Z-score is just one of the many formulas available for predicting the likelihood that a business will go bankrupt. Rather than presenting you with a single ratio for each area of the entity’s finances, it combines key ratios into a single score to give you an overall indication of the entity’s financial performance.

What does the Altman Z-score give you?

It enables you to measure the entity’s risk of bankruptcy efficiently. A score of 2.99 or higher suggests a company is safe from bankruptcy, while a score of 1.81 or under suggests they are at risk. Scores in between indicate potential issues.