Traditional credit bureaus miss most SMBs. Elinom Credit Score uses your live accounting, sales, inventory, and payment behaviour to produce a lender-grade score — in minutes. Monitor it, improve it, and unlock better financing terms.
Instead of waiting for bureau files to catch up, Elinom uses your live books to measure the signals lenders actually care about: cash consistency, customer concentration, payment behaviour, and growth quality.
Rolling revenue stability, seasonality, and gross margin volatility measured straight from Accounting.
How much of your revenue depends on your top 3, 5, and 10 customers — a key lender risk signal.
Supplier on-time rate, payroll reliability, and bounced transaction history from your banking feeds.
Current ratio, debt-to-equity, and working capital trends — with plain-English explanations.
Is growth profitable, cash-generative, and diversified? We separate revenue growth from margin growth.
Tax filing history, statutory payroll compliance, and audit trail completeness all factor in.
Transparent by design. Every score comes with the drivers that made it and the actions that will move it.
Turn on Elinom Credit Score in Accounting. We compute your baseline score from your last 12 months of activity.
Each pillar gets a clear “what’s helping” and “what’s hurting” summary with concrete improvement steps.
Export a signed lender packet in one click, or use the score to qualify for Invoice Financing or Trade Credit.
Prove it with a score built from what you actually do — not what you filed years ago.