Sample Report

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74 G.A. Credit Rating Probability Estimates (CRPE) report gives the probabilities that the firm (fairly compared to rated large corporates and in risk-free sovereign) would receive a credit rating of AAA, AA, A, BBB, BB, B, C or D from a Big 3 rating agency (Standard and Poors, Moodys and Fitch), if it were a similarly sized entity. It looks at the complexities, strengths and weaknesses that we can expect an SME in a particular industry to face and compares its performance with peers of any size. 74 G.A. proprietary models use comprehensive datasets, calibrated to Big 3 ratings, to estimate the probabilities. 74 G.A.’s models predict, on average within plus or minus one rating category, the most likely credit ratings that would be assigned to the SME without prejudiced restrictions. In a 74 G.A. CRPE report you would also find speculative financial statements (including ratios) and the estimated impacts of changes in firm’s behavior/characteristics, if implemented, on the predicted credit rating. 

 • SMEs – Use as a self-assessment and/or preparation for accessing financing; the Report’s generation of estimated financial statements and ratios is also great as a starting point for firm’s that aren’t current with their bookkeeping and financial planning. 

• Banks and other lenders – Use as a check or replacement of your loan onboarding process. 

• Factoring firms – Use as a quick assessment of the SME’s viability before taking on their assets’ risks. 

• Arrangers for structured SME products – Easily structure and price securities with readily understood and communicated risk profiles to investors. 

• Venture/Angel Investor Funds – Use the Report to understand firm fundamentals before deciding to place your money. 

• Hedge Funds – Value the firm more accurately before your next financial move. 

• Stock exchanges – Use the Report to meet Junior Stock Exchange rules and to divulge more information to Exchange participants. 

• Bond-trading platforms – Now all bonds could be rated for indexes constructions, performance comparisons and more. 

• Auditors – Help your clients accurately satisfy capital charges, do bond valuations and meet other risk-based regulatory requirements. 

• Portfolio managers – Use to expand the pool of investable securities and stay within investment policies’ risk limits. 

• Credit Rating Agencies – Use a preliminary assessment or back-check to your own ratings. 

• Suppliers – Before extending that line of credit, use the Report to justify terms and conditions. 

• Customers – Use to establish that business relationships have strength and longevity, especially if the firm provides key inputs or is needed for specialist repairs. 

• Consultants – Provide a better depth of analysis to aid your clients in their businesses.  

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