Young companies, micro-businesses and sole traders often lack the filed financial statements traditional credit scoring requires. RocketFin's hybrid model scores these companies using bank statements, legal signals and market data — even with zero accounting history.
When accounting data is absent or outdated, RocketFin uses bank statements as the primary signal — real banking behaviour from the PDF statements provided, cash position, payment regularity and income stability.
Company age, capital level, UBO structure, director history, legal proceedings — all analysed by our AI agent to provide meaningful risk signals even without a single filed balance sheet.
Our sector-calibrated models normalise scores for company age and size. A two-year-old company is not scored the same way as a twenty-year-old one — the benchmark adjusts automatically.
20-min live demo. Bring a company with no filed accounts — we score it live.
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