A credit assessment built from how a business actually trades.

The central position behind M-Score is that a business’s relationship with a strong anchor predicts repayment on supply chain finance better than that business’s standalone financials do. A supplier that has delivered to the same anchor for years, on confirmed orders, with invoices the anchor approves, has demonstrated the behavior a lender is trying to infer from a balance sheet, and has demonstrated it in the transactions that will repay the financing. A distributor that has ordered from the same anchor on a steady cycle, taken delivery and settled on time has demonstrated the same thing from the other side of the trade. That position is modeled, not yet observed from a matured portfolio, and we say so.

It follows that the single largest thing a business can do for its assessment is get its anchor relationship formally recognized. That is the honest position and it shapes what we tell every supplier and distributor to do first: link your anchor, because nothing else substitutes for it.

On the supply side, the anchor confirms an invoice for goods already delivered, and under some products the anchor itself carries the obligation to the financier. On the buy side the distributor carries the obligation, and the stock has not yet been sold. Where the business rather than the anchor owes the money, the assessment leans more on trading history, business fundamentals and anchor endorsement, and it is structurally harder.

A distributor’s gap list therefore says “here is what strengthens your position”, not “you are nearly there”. Who carries the obligation under each product is stated on the product pages, from one source, and it is worth reading before you read anything about scores.

Predominantly entity-level supply chain relationship data: the trading record between a business and its anchor, which is company information rather than personal information. The remainder is business fundamentals drawn from public and consented sources. A person reviews what the model cannot decide on its own: under the documented platform terms, no decision with a legal effect on you is made by automated scoring alone, a borderline case goes to a person, and a decline can be reconsidered by a person.

M-Score is an input to a financier’s decision, never a substitute for it. The financier sets its own appetite and makes its own call.

Transaction quality: on the supply side, the invoices you raise and the deliveries behind them; on the buy side, the orders you place and the stock you turn.

Relationship strength: how formal the relationship is, and whether the anchor has confirmed it. This is the pillar a thin-file business genuinely has, and the one a conventional assessment cannot see.

Business fundamentals: the part of the score that looks most like a conventional assessment, built from what a thin-file business can actually evidence.