Marlo - Credit Score

Marlo’s Credit Score module provides your company with an independently calculated credit score based on its financial history, cashflows, repayment patterns, and liquidity metrics. This credit profile can be securely shared with banks, investors, or other stakeholders to support loan applications, trade partnerships, or internal financial health reviews.

Concepts in the Module

• Risk Class: Overall classification of creditworthiness (e.g., Low Risk, Medium Risk, High Risk)

• Credit Score: A numerical and banded rating determined by financial inputs

• Recommendations: Automated suggestions to improve your credit profile

• Payment History: Trends in your receivables and payables behavior

• Detailed Insights: Breakdown of key factors affecting your score, such as:

  • Current ratio

  • Cash conversion cycle

  • Revenue

  • Debt to equity

  • Operating profit ratio

  • Debt service coverage ratio

  • Net-worth

  • Return on invested capital

• Historical Trends: Timeline view of score changes month-by-month

Workflows in the Module

1. Data Import

   • Integrated accounting systems like Xero, Zoho Books, QuickBooks provide real-time data

2. Automated Scoring

   • Marlo’s scoring engine computes your credit rating based on a financial model

3. Credit Report Generation

   • Includes score, risk band, insights, and improvement areas in a downloadable PDF

4. Secure Sharing

   • Generate a public link to share your credit report externally

5. Continuous Monitoring

   • Score recalculates as financials update, with alerts for significant changes

Related Key Topics

• Financial Statements

• Liquidity & Risk

• External Loans

• Receivables Management

• Credit Risk Reporting