Question 1

What is business credit scoring software?

Accepted Answer

Business credit scoring software evaluates a company's ability to pay its invoices on time by analyzing accounting, banking, legal, and behavioral data. The goal is to reduce defaults and secure B2B transactions.

Question 2

What is B2B financial scoring?

Accepted Answer

B2B financial scoring is an automated evaluation system that analyzes the creditworthiness and credit risk of businesses. It uses algorithms and financial data to assign a score that reflects the probability that a company will honor its financial commitments. At RocketFin, our solution uses artificial intelligence to analyze over 200 criteria in real-time.

Question 3

What's the difference between predictive and traditional scoring?

Accepted Answer

Traditional scoring relies on static balance sheets and financial ratios, usually updated once a year. Predictive scoring, like RocketFin's, leverages real-time banking, accounting, and behavioral data with AI models to detect risks before defaults happen.

Question 4

How does a credit scoring algorithm work?

Accepted Answer

A credit scoring algorithm automatically analyzes a company's financial data (balance sheets, income statements, cash flows) as well as external data (industry sector, management, payment history). It applies statistical models and machine learning to calculate a risk score. RocketFin uses specialized AI agents that continuously adapt to market changes.

Question 5

What's the difference between scoring and rating?

Accepted Answer

Scoring is an automated numerical evaluation (e.g., score from 0 to 1000) while rating is a qualitative notation (e.g., AAA, BB+). Scoring is more granular and updated frequently, rating is more stable over time. RocketFin offers both approaches: a precise numerical score and grade classification to facilitate decision-making.

Question 6

Is credit scoring suitable for SMEs?

Accepted Answer

Yes. Even with limited data, multi-source scoring can provide a reliable first evaluation (public, banking, behavioral data), then refine it over time.

Question 7

Is financial scoring suitable for SMEs and VSEs?

Accepted Answer

Financial scoring is particularly useful for SMEs and VSEs as it allows quick assessment of their creditworthiness despite sometimes limited data. RocketFin has developed specific models for small businesses that account for their specificities: seasonality, dependence on management, industry sectors. Our solution even analyzes companies with little financial history.

Question 8

How to assess SME creditworthiness without history?

Accepted Answer

For SMEs without history, RocketFin uses alternative data: management profile, industry sector, geographic location, market data, and weak signals (digital presence, customer reviews). Our AI agents also analyze similar companies to establish sector benchmarks. This approach provides reliable scoring even for young companies.

Question 9

What are the specific criteria for SME scoring?

Accepted Answer

SME scoring considers adapted criteria: simplified financial structure, dependence on management, short cash cycles, marked seasonality, customer/supplier concentration. RocketFin also analyzes governance, management experience, commercial strategy and competitive environment. These criteria are weighted differently compared to large companies.

Question 10

Can credit scoring be integrated into my CRM/ERP?

Accepted Answer

Yes. Modern solutions like RocketFin provide a REST API that integrates scoring directly into existing workflows (onboarding, invoicing, collections, ERP, CRM).

Question 11

How to integrate a scoring API into my system?

Accepted Answer

Integrating RocketFin's API is simple: authentication via API key, standard REST calls, structured JSON responses. Our comprehensive documentation includes code examples, SDKs in multiple languages, and test environment. Integration typically takes less than a day. We also offer webhooks for real-time notifications and dedicated technical support.

Question 12

What's the latency of a real-time scoring API?

Accepted Answer

RocketFin's API guarantees latency under 2 seconds for 95% of requests. For complex analyses requiring external data, latency can reach 5-10 seconds. We also offer asynchronous mode for in-depth analyses with webhook notification. Our cloud infrastructure ensures 99.9% availability.

Question 13

Can scoring models be customized?

Accepted Answer

Yes, RocketFin offers several levels of customization: sector-specific weight adjustments, integration of your proprietary data, creation of custom models for your business criteria. Our data scientists work with you to adapt algorithms to your specific needs. This customization is available in our Enterprise offerings.

Question 14

Credit insurance vs credit scoring software: what's the difference?

Accepted Answer

Credit insurance compensates after a client defaults, while scoring software prevents defaults by predicting risks. Both can be complementary: RocketFin reduces bad debt, insurance covers high exposures.

Question 15

How can software reduce B2B bad debt?

Accepted Answer

Credit scoring software identifies risky clients early, adjusts credit limits automatically, and triggers alerts on weak signals. This proactive approach reduces bad debt and improves cash flow.

Question 16

Scoring vs credit insurance: what's the difference?

Accepted Answer

Scoring evaluates risk upstream to prevent bad debts, credit insurance covers losses after claims. Scoring costs less (a few euros per analysis vs 0.1-0.5% of turnover for insurance) and enables proactive client selection. Credit insurance remains necessary for large amounts. The ideal is to combine both: scoring for selection, insurance for protection.

Question 17

Can scoring replace credit insurance?

Accepted Answer

Scoring doesn't completely replace credit insurance but complements it effectively. For small amounts and recurring clients, scoring is often sufficient. For large contracts or new markets, insurance remains recommended. RocketFin allows you to reduce your credit insurance costs by 30-50% by improving client selection and negotiating better rates with insurers.

Question 18

How to optimize credit insurance costs with scoring?

Accepted Answer

Scoring optimizes your credit insurance costs by: 1) Selecting the best clients (fewer claims = reduced premiums), 2) Negotiating with insurers thanks to a less risky portfolio, 3) Adjusting deductibles according to risk level, 4) Avoiding over-insurance on safe clients. RocketFin helps you build this hybrid strategy.

Question 19

How much does B2B credit scoring software cost?

Accepted Answer

Pricing depends on the vendor. RocketFin offers transparent pricing with no long-term commitment, plus a 14-day free trial with 5 included credits.

Question 20

How much does a B2B scoring solution cost?

Accepted Answer

Prices vary according to volume and features: basic solutions from €99/month, professional solutions €299-699/month, enterprise offers on quote. Cost per scoring varies from €0.50 to €5 depending on complexity. RocketFin offers a 14-day free trial with 5 included credits to test the solution without commitment.

Question 21

What ROI to expect from a scoring solution?

Accepted Answer

ROI from a scoring solution is typically 300-500% in the first year thanks to: bad debt reduction (30-60%), accelerated commercial decisions, optimized payment terms, reduced credit insurance costs. Our RocketFin clients observe on average 40% reduction in bad debts and 50% time savings on credit analysis.

Question 22

How to calculate scoring return on investment?

Accepted Answer

To calculate scoring ROI: 1) Assess your current bad debt losses, 2) Estimate possible reduction (30-50% typical), 3) Add productivity gains (analysis time divided by 10), 4) Subtract solution cost. Example: €100k bad debts avoided - €10k solution cost = 900% ROI. RocketFin offers a personalized ROI calculator.

Everything about B2B credit scoring

Definition and Concepts

SME and VSE

Technical and API

Credit Insurance and Alternatives

Pricing and ROI

Explore our complementary resources

Practical guides

Technical solutions

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