You shouldn't have to prove
your business from scratch every time.
Traditional credit systems ask for documents, collateral, and a borrowing history most SMEs simply do not have, even when the business is profitable and consistently active.
No formal credit history
Most SMEs have never taken a formal loan, so their credit record is blank — despite years of consistent banking activity that proves the business works.
Documents that don't hold up
Financial statements can be manipulated, and financers know it. So your real numbers rarely receive the weight they deserve.
Collateral most SMEs don't have
Most growing businesses have no land or equipment to pledge. Without collateral, even a consistently profitable business gets turned away.
Build once.
Get found. Get financed.
Four steps to a verified Financial Passport. After that, the right institutions find you when you're finance-ready.
Register your business
Create an account with your business name and details. Creditlinker builds a verified Financial Passport for your business, one that updates and grows stronger the longer you operate.
Connect your financial data sources
Link your bank accounts, upload accounting ledger exports, or add operational data (equipment, inventory, contracts, receivables). The more you connect, the richer your Financial Passport.
Creditlinker analyzes your data automatically
Over 40 financial metrics are extracted from your data: revenue trends, cash flow patterns, expense consistency. The entire process runs in seconds.
Receive your verified Financial Passport
Receive your Financial Passport, your business score, and a clear picture of the financing opportunities your business is ready for. Choose which types of financial institutions can follow your Financial Passport and contact you when new opportunities become available.
14 ways to access finance.
One Financial Passport.
Not every business needs a loan. Creditlinker checks how finance-ready you are across 14 different ways to access finance, from invoice advances to equipment leasing, so you know exactly which doors are open before you knock on any of them.
Six dimensions.
Your full financial picture.
Each area of your financial health is scored independently, from 0 to 100. Capital providers see the full picture of your business, not a single number that oversimplifies it.
Revenue Stability
85How consistent and predictable your revenue has been over time.
Cashflow Predictability
78How reliably your business generates positive cash flow.
Expense Discipline
81How well your business controls its costs relative to what it earns.
Liquidity Strength
74The level of cash reserves your business holds at any given time.
Financial Consistency
88How regular and complete your financial activity has been.
Risk Profile
91Whether your financial data shows any unusual or irregular patterns.
Plus a separate data quality score
Your identity also carries a data quality score — so capital providers know how much confidence to place in each dimension when reviewing your profile.