FREE TOOLS
Lead-Generating Tools that Also Create Real Value
Our free tools are deliberately simple but structured. They help you have better conversations internally and with your clients, and offer a preview of the type of thinking we bring to engagements.
SME Tool
SME Financial Health Score
A simple framework to assess SME liquidity, leverage, and profitability, generating an indicative health band.
Use case: pre-screening SME clients, internal portfolio reviews, or self-assessment by business owners.
Lending Tool
Loan Affordability Calculator
Calculates indicative affordable loan amounts based on income, expenses, and target DSCR or installment ratios.
Use case: credit officers, loan officers, or SME founders exploring borrowing capacity.
Risk Tool
Borrower Risk Estimator
Combines a few key behavioural, financial, and sector indicators into a simple low/medium/high risk view.
Use case: training and discussion starter for credit teams, not a replacement for full models.
Investment Tool
Investment Feasibility Calculator
Helps test basic IRR, payback, and cash flow profiles for projects or structured lending.
Use case: early-stage feasibility checks before commissioning detailed modeling.
Portfolio Tool
Portfolio Health Analyzer
A structured template to capture portfolio metrics – PAR by bucket, roll rates, and segment exposure.
Use case: portfolio reviews where existing reporting is fragmented or manual.
These tools are for education and initial self-assessment only and do not constitute professional advice, credit approval, or investment recommendation. For tailored analysis, request a consultation.
Turning Financial Data into Better Decisions
Financial analytics and credit risk intelligence for lenders, fintechs, SMEs, and growing businesses – with a focus on clarity, rigor, and practical decision support.