Question 1

C'est quoi un logiciel de scoring crédit B2B ?

Accepted Answer

B2B credit scoring software assesses a company's ability to honor its payments, based on accounting, banking, legal, and behavioral data. The goal is to anticipate payment defaults and secure commercial transactions.

Question 2

Qu'est-ce que le scoring financier B2B ?

Accepted Answer

B2B financial scoring is an automated assessment system that analyzes the solvency and credit risk of companies. It uses algorithms and financial data to assign a rating (score) that reflects the probability of a company meeting its financial obligations. At RocketFin, our solution uses artificial intelligence to analyze over 200 criteria in real time.

Question 3

Quelle est la différence entre scoring prédictif et scoring traditionnel ?

Accepted Answer

Traditional scoring relies on static balance sheets and financial ratios, often updated once a year. Predictive scoring, like RocketFin's, integrates real-time data (banking, behavioral, legal) and AI models to anticipate defaults before they occur.

Question 4

Comment fonctionne un algorithme de scoring crédit ?

Accepted Answer

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

Question 5

Quelle est la différence entre scoring et rating ?

Accepted Answer

Scoring is an automated numerical assessment (e.g., score from 0 to 1000), while rating is a qualitative assessment (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 a classification by grades to facilitate decision-making.

Question 6

Est-ce que le scoring crédit est adapté aux PME/TPE ?

Accepted Answer

Yes. Even with limited data available, multi-source scoring can establish a reliable initial assessment (via public, banking, and behavioral data) and then refine it over time.

Question 7

Le scoring financier est-il adapté aux PME et TPE ?

Accepted Answer

Absolutely! Financial scoring is particularly useful for SMEs and VSEs because it allows for a rapid assessment of their solvency despite sometimes limited data. RocketFin has developed specific models for small businesses that take into account their specific characteristics: seasonality, dependence on managers, sectors of activity. Our solution even analyzes companies with little financial history.

Question 8

Comment évaluer la solvabilité d'une PME sans historique ?

Accepted Answer

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

Question 9

Quels sont les critères spécifiques au scoring PME ?

Accepted Answer

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

Question 10

Comment intégrer un scoring crédit dans un CRM ou ERP ?

Accepted Answer

Modern software like RocketFin offers a REST API that allows scoring to be integrated directly into existing processes (onboarding, invoicing, collections, ERP, CRM).

Question 11

Comment intégrer une API de scoring dans mon système ?

Accepted Answer

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

Question 12

Quelle est la latence d'une API de scoring en temps réel ?

Accepted Answer

The RocketFin API guarantees a latency of less than 2 seconds for 95% of requests. For complex analyses requiring external data, latency may reach 5-10 seconds. We also offer an asynchronous mode for in-depth analyses with webhook notifications. Our cloud infrastructure ensures 99.9% availability.

Question 13

Peut-on personnaliser les modèles de scoring ?

Accepted Answer

Yes, RocketFin offers several levels of customization: adjustment of weightings by sector, integration of your proprietary data, and creation of custom models tailored to your business criteria. Our data scientists work with you to adapt the algorithms to your specific needs. This customization is available in our Enterprise offerings.

Question 14

Quelle est la différence entre assurance-crédit et logiciel de scoring ?

Accepted Answer

Credit insurance provides compensation after a payment default, whereas credit scoring software acts as a preventive measure. The two solutions are complementary: RocketFin helps reduce unpaid invoices, and insurance covers critical outstanding balances.

Question 15

Comment réduire les impayés B2B grâce à un logiciel ?

Accepted Answer

Credit scoring software identifies at-risk customers upstream, automatically adjusts credit limits, and triggers alerts as soon as a weak signal is detected. This reduces the rate of unpaid invoices and improves cash flow.

Question 16

Scoring vs assurance-crédit : quelle différence ?

Accepted Answer

Scoring assesses risk upstream to prevent unpaid invoices; credit insurance covers losses after an event. Scoring is less expensive (a few euros per analysis vs. 0.1-0.5% of turnover for insurance) and enables proactive customer selection. Insurance remains necessary for large amounts. The ideal approach is to combine the two: scoring for selection, insurance for protection.

Question 17

Le scoring peut-il remplacer l'assurance-crédit ?

Accepted Answer

Scoring does not completely replace credit insurance but effectively complements it. For small amounts and recurring customers, scoring is often sufficient. For large contracts or new markets, insurance is still recommended. RocketFin enables you to reduce your credit insurance costs by 30-50% by improving customer selection and negotiating better rates with insurers.

Question 18

Comment optimiser ses coûts d'assurance-crédit avec le scoring ?

Accepted Answer

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

Question 19

Combien coûte un logiciel de scoring B2B ?

Accepted Answer

Costs vary depending on the vendor. RocketFin offers simple, commitment-free pricing and a 14-day free trial with 5 included credits to test the solution.

Question 20

Combien coûte une solution de scoring B2B ?

Accepted Answer

Pricing varies depending on the volume and features: basic solutions starting from €99/month, professional solutions €299-€699/month, enterprise offers upon request. The cost per scoring ranges from €0.50 to €5 depending on the complexity. RocketFin offers a 14-day free trial with 5 included credits to test the solution without commitment.

Question 21

Quel ROI attendre d'une solution de scoring ?

Accepted Answer

The ROI of a scoring solution is generally 300-500% in the first year due to: reduction in unpaid invoices (30-60%), acceleration of commercial decisions, optimization of payment terms, and reduction of credit insurance costs. Our RocketFin clients observe an average of 40% reduction in unpaid invoices and 50% time savings on credit analysis.

Question 22

Comment calculer le retour sur investissement du scoring ?

Accepted Answer

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

All your questions about B2B financial scoring

Definition and Concepts

SMEs and VSEs

Technology and API

Credit Insurance and Alternatives

Pricing and ROI

Explore our additional resources

Practical guides

Technical solutions

Ready to test our scoring solution?

All your questions about B2B financial scoring

Definition and Concepts

What is B2B credit scoring software?

What is B2B Financial Scoring?

What is the difference between predictive scoring and traditional scoring?

How does a credit scoring algorithm work?

What is the difference between scoring and rating?

SMEs and VSEs

Is credit scoring suitable for SMEs/VSEs?

Is financial scoring suitable for SMEs and VSEs?

How to assess the creditworthiness of an SME without a financial history?

What are the specific criteria for SME scoring?

Technology and API

How to integrate credit scoring into a CRM or ERP?

How do I integrate a scoring API into my system?

What is the latency of a real-time scoring API?

Can scoring models be customized?

Credit Insurance and Alternatives

What is the difference between credit insurance and scoring software?

How to reduce B2B payment defaults with software?

Scoring vs. credit insurance: what's the difference?

Can scoring replace credit insurance?

How to optimize credit insurance costs with scoring?

Pricing and ROI

How much does B2B scoring software cost?

How much does a B2B credit scoring solution cost?

What ROI can be expected from a scoring solution?

How to calculate the return on investment of scoring?

Explore our additional resources

Practical guides

Technical solutions

Ready to test our scoring solution?