Business Credit Scoring Model for New Customers

Calculate Credit Score, Risk Class, Credit Limit for Your Customer

How to Use this Excel Template

Credit Score Calculation Sheet

Compare the Results:Dashboard

This is an interactive dashboard. Click and browse through.

w Customers
 Enter the Revenue, Current Score, Risk
Class, & Credit Limit

Fill in the Customer Name, Customer Re

Assigned, Current Risk Class Assigned, C
Fill in the Customer Name, Customer Re
Assigned, Current Risk Class Assigned, C

Assign a score and weightage for the pa

Remember, the sum of all weightages s

Choose Yes/No for the absolute negativ

You will now see the Calculated Credit

Credit Limit

Find a detailed comparison between As

Class and Credit Limit in the dashboard
 Calculate Credit Score, Risk Cl

Assign Scores and Weightages for

Parameters You Want

ustomer Revenue/ Sales, Current Score

Assigned, Current Credit Limit Assigned
 ustomer Revenue/ Sales, Current Score
Assigned, Current Credit Limit Assigned

ge for the parameters you want in the model

eightages should not be more than 100

ute negatives

ated Credit Score, Credit Risk and

between Assigned and Calculated Score, Risk

dashboard
ore, Risk Class & Credit Limit

Choose Yes/No for the absolute negatives

el
View Calculated Credit Score, Risk Class and
Credit Limit
Compare Current and Calculated Credit Score, Risk
Class, Credit Limit
Risk
 Enter Details Below
Customer Name XYZ Inc.
Revenue/Sales (Last 12 Months)($)

Current Score Assigned

Current Risk Class Assigned

Current Credit Limit Assigned ($)

Parameters Scores Ideal Range of Scores

Enter Scores Below
Failure Score (Previously Financial (1 to 100 )
Stress Score Percentile) (D&B) Percentile Ranking

Delinquency Score (Previously

Commericial Credit Score Percentile) (1 to 100 )
(D&B) Percentile Ranking

Paydex (D&B) (1 to 100 )

Percentile Ranking

Total Employees (D&B)

Average DBT (D&B)

Years in Business (D&B)

Predictive Scoring
(NACM) 450 to 850

The sum of all the weightages should be equal to 100

Total External Score

Points Weightage (%) Recommended Weights

0 20 to 50

0 20 to 50

0 0 to 20

0 0 to 10

0 0 to 10

0 0 to 10

0 0 to 10

0
Absolute Negatives
Category Yes/No

Bankruptcy

Judgment Filings (Experian)

Tax Lien Filings (Experian)

Calculated Credit Score 0

Calculated Credit Risk HIGHEST
Calculated Credit Limit ($) 5000
 Hey! You are losing sal
Your Credit Score Ana

Calculated Credit Score Calculated Credit Ris

h
Hig

est
High
0
re losing sales potential
r Credit Score Analysis

lculated Credit Risk Calculated Credit Limit ($)

Me
d iu
m
Low

5000