Turn financial data
into decisions
that matter.

CreditIQ is credit risk analysis software that reads balance sheets and income statements automatically and delivers financial ratios, cash flow projections, a risk score and a report ready for the credit committee. Banks, fintechs, factoring companies, cooperatives and corporates evaluating credit use it.

Credit risk analysis software turns financial statements into an assessment of a company's ability to pay. It calculates liquidity, leverage and coverage ratios, projects the cash flow available to service debt, and summarizes the result in a score that drives the committee's decision.

CreditIQ extracts the data with OCR: it identifies balance sheet columns by their position on the page, reconstructs the balances, and proposes which account each line belongs to. The analyst confirms or corrects that mapping once, and the system reuses the correction on later documents.

CreditIQ calculates the current ratio, total and financial leverage, Financial Debt to EBITDA, interest coverage, DSCR, EBITDA margin, ROE and ROA, plus the cash conversion cycle via DSO, DIO and DPO. It also projects operating cash flow period by period.

The score combines a parametric component calculated on the financial ratios with qualitative factors the analyst weighs, adjusted for the typical balance sheet structure of the evaluated company's industry. The stress-test module recalculates that same score under adverse scenarios.

A financial stress test evaluates what happens to a company's health if conditions deteriorate: sales fall, interest rates rise, or collection periods lengthen. CreditIQ recalculates ratios, cash flow and the risk score under those scenarios to anticipate the breaking point.

Covenants are the safeguards a credit agreement imposes on the borrower. CreditIQ ships with market reference thresholds — DSCR of at least 1.25x, Financial Debt to EBITDA of at most 3.5x, total leverage of at most 3.0x, interest coverage of at least 2.5x — and flags each period as compliant or in breach.

Yes. CreditIQ operates on financial statements under IFRS, the accounting standard used in more than 140 countries, so it works with balance sheets from any market that applies it. It also supports specific regulatory formats, such as Chile's CMF FECU. It's a web platform, no installation required.

CreditIQ has three monthly plans priced in dollars: Standard at $99 for 1 company and 3 users, Professional at $199 for 3 companies and 9 users, and Enterprise at $349 for 6 companies and 18 users. Banks and holding companies get a custom-quoted on-premise deployment.

Each company is isolated with PostgreSQL Row-Level Security, so no tenant can access another's data. Information travels encrypted over TLS and is stored encrypted with AES-256. Access requires multi-factor authentication, is role-controlled, and is logged for audit.