SME · Embedded Lending T239 · T240 · T241 · T243 · T246 Open Finance · Cash-Flow Stress Loan Readiness Zero PII

SME Credit Intelligence Platform

Enter an SME profile. The platform layers open-finance signals (revenue concentration, payment-behaviour, balance volatility) over the operating profile, scores credit risk, computes the working-capital gap, runs a cash-flow stress test, and returns a loan-readiness verdict with the recommended facility type — term loan, revenue-based finance, or invoice finance — sized to the modelled capacity. Policy Mandate export.

Signal Sources
7
Open-finance + behavioural
Facility Types
3
Term · RBF · Invoice
Stress Horizon
12 mo
Monthly granularity
Score Range
0–100
Decile-mapped
Working Capital Cycle
DSO − DPO + DIO
Cash conversion
Schema
v1.0
@postoaklabs.com/sme-credit-platform-v1
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
SME Profiles (Preset)
SME Operating Profile
Trailing 12 mo
After COGS
Excluding COGS
Current liquid
Days sales outstanding
Days payable outstanding
Days inventory outstanding
Trading history
Open-Finance Signals (0–100)
100 = well diversified
On-time payment rate
100 = low volatility
At current burn
As % of revenue
Spread of inflows
Up-to-date filings
Deterministic · client-side · ~30 ms runtime
Panel 01 · Credit Score

SME Credit Score & Decile

0 / 100

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Run the model
    Panel 02 · Open Finance Signals

    Signal Layering

    Panel 03 · Working Capital & Stress

    12-Month Cash-Flow Path

    MonthRevenueOPEXNetCash Position
    Panel 04 · Loan Readiness

    Verdict & Facility Recommendation