The Six Financial Dimensions: What Each One Measures and How to Improve It
Creditlinker scores your business across six independent financial dimensions. This is what each one looks at — and what you can do to strengthen your profile.
Chidi Eze
Credit & Risk Analyst
Your Creditlinker financial identity is scored across six dimensions, each independently scored 0–100. Understanding what each one measures — and what moves it — gives you actionable levers to strengthen your profile before approaching capital providers.
1. Revenue Stability (0–100)
This dimension measures how consistent and predictable your revenue inflows are over time. The model looks at growth trends, seasonal patterns, income regularity, and the concentration of revenue sources.
- Connect multiple bank accounts to capture all revenue streams
- Tag recurring revenue transactions to help the system recognize patterns
- Maintain consistent invoicing and payment cycles
2. Cashflow Predictability (0–100)
Tracks the month-over-month relationship between inflows and outflows. A high score means your cashflow is reliable and positive. Volatile patterns — even if your average balance is healthy — will lower this score.
Cashflow Predictability is one of the first signals capital providers look at. A business with volatile cashflow — even one with strong revenue — will be evaluated more carefully for any product that requires regular repayment.
3. Expense Discipline (0–100)
Measures how well your business controls operating costs relative to revenue. The model identifies runaway expense patterns, margin compression over time, and expense-to-revenue ratios across categories.
4. Liquidity Strength (0–100)
Your ability to absorb short-term financial obligations. This is your cash reserve ratio — how much available liquidity you maintain relative to your operating expenses.
5. Financial Consistency (0–100)
Rewards businesses with complete, well-structured, and regular financial data. The more data history you have — and the more consistent your activity patterns are — the higher this score will be.
6. Risk Profile (0–100)
Anomaly detection: irregular transaction patterns, unusual velocity, large uncharacteristic debit events, dormant periods followed by sudden activity. A high score means clean, predictable patterns.
You also receive a separate data_quality_score that tells capital providers how reliable your underlying data is. More data sources = higher data quality = stronger credibility for all six dimensions.