Financingeligibility
A score out of 100 from five weighted dimensions, a verdict, and an indicative amount range, each traceable to the figures and the formula behind it.
See how the amount is setBased on limited data (61% coverage). Confirm with fuller inputs before relying on it.
What the verdict rests on and how the amount is derived.
Written for Decision-makers, Credit & risk
Sample company, anonymised. Figures are illustrative; the rules are the product's.
Checked against the product source on 16 October 2026.
How much could it borrow?
It reads
- Audited financial statements (required)
- Bank statements, CTOS report and aging list, when uploaded
- Ownership and management from the SPOT report
You get
- A score out of 100 with the verdict Eligible, Conditional or Not eligible
- An indicative amount range in MYR, with its revenue basis
- The factors behind each dimension, risk factors and a written assessment
Think of it like this
Think of a credit officer's first-pass worksheet, filled in the same way every time, with the arithmetic left on the page so anyone can redo it.
Five dimensions, one score
Each dimension is scored from 0 to 100 and combined with fixed weights. Missing data stays neutral at 50.
90
Financial Health
50
Credit Standing
78
Repayment Capacity
50
Aging Risk
90
Governance Readiness
72 of 100
Eligible
Financial Health opened to its five factors
Base 50, adjustments +40, dimension score 90 · weighted contribution 27.0
Leverage Ratio
FY2024 · 1.40x (MYR 2,100,000 / MYR 1,500,000) · Formula: totalDebt / totalEquity
+5
Current Ratio
FY2024 · 1.95x (MYR 1,950,000 / MYR 1,000,000) · Formula: currentAssets / currentLiabilities
+15
Gross Margin
FY2024 · 30.0% (MYR 1,260,000 / MYR 4,200,000) · Formula: grossProfit / revenue
+8
Leverage Trend (YoY)
FY2023 → FY2024 · 1.60x → 1.40x · Formula: (debt/equity)_latest vs (debt/equity)_prior
+8
Current Ratio Trend (YoY)
FY2023 → FY2024 · 1.80x → 1.95x · Formula: (currentAssets/currentLiab)_latest vs prior
+4
70 or more · Eligible
Meets the threshold on the documents provided.
50 to 69 · Conditional
Further conditions or lender approval may apply.
Below 50 · Not eligible
Does not meet the threshold on the documents provided.
From score to amount
The amount starts from annual revenue in a fixed priority order, scaled by the five-dimension score above, and capped when a CTOS credit line is on file.
Revenue basis for Sample Foods Sdn Bhd · 72 of 100 (Eligible)
Optional credit-line cap
MYR 421,200 to 1,404,000
Derived from 3 bank statement months (2025-11 to 2026-01), scaled by the 72/100 eligibility score
Annual revenue
First choice · 3 bank statement months (2025-11 to 2026-01) (RM 325,000 monthly average annualised)
MYR 3,900,000
Eligibility score
Weighted score from the five dimensions above (Financial Health, Credit, Repayment, Aging, Governance)
72 of 100 (Eligible)
Maximum eligible amount
Scaled from annual revenue by the 72/100 eligibility score (no CTOS credit line cap on file)
MYR 1,404,000
Minimum eligible amount
Lower bound of the indicative range (30% of the maximum)
MYR 421,200
Revenue follows a fixed priority order: bank statements first, then latest audited revenue, then revenue declared in a CTOS report.
Two views of the same math
The SME sees only the indicative range inside its Full SPOT report. Your team sees the score, the verdict, and every factor.
Financing Eligibility · Full SPOT report, Section A
Shown to both the SME and your bank, with no score or verdict
421,200 to 1,404,000 MYR
Potential Eligible Amount Range
How is this calculated?
Derived from bank statement analysis (3 bank statement months (2025-11 to 2026-01)). Average monthly deposits are annualized, then scaled by the financing-readiness score from the report’s financial and credit analysis.
The eligible range reflects a financing-readiness score of 0 to 100 computed from audited financial ratios, credit standing, repayment capacity, aging risk, and governance readiness. It is an indicative estimate only.
The financing eligibility value displayed is an informative estimate derived solely from our proprietary criteria, provided for informational purposes only, and does not constitute financial advice, a formal pre-approval, or a binding offer.
Fixed arithmetic.
Score, verdict, and amount range are computed in code from extracted figures.
Written narrative only.
AI writes only the assessment and recommendations from the scores and cannot change a number. If that writing fails, a plain summary built from the scores takes its place (Completed with warnings).
Separate from Micro SPOT.
Micro SPOT reports use a simpler affordability formula and have no analysis modules.
When the file is thin
A missing document never counts as zero. Uncovered dimensions sit at a neutral 50, and low coverage is flagged up front.
Sample Foods Sdn Bhd
61% coverage (11 of 18 fields)
Credit Standing: 50
No CTOS report on file · neutral score, 25% weight
Aging Risk: 50
No aging list on file · neutral score, 15% weight
“Based on limited data (61% coverage). Confirm with fuller inputs before relying on it.”
Runs on demand.
Generated by your team from the Analysis Modules list of a completed Full SPOT report. Needs audited financial statements; other uploads sharpen it.
Stale when reports change.
If the company uploads more documents and generates a new SPOT report, the module list marks the result as based on an earlier SPOT so you can re-run it.
Indicative, not an offer.
Separate from your bank’s underwriting. Loan drawdowns in bank statements are excluded when monthly credits are averaged for revenue.
Read with this
- Portfolio overview
The first screen your team sees. Every SME linked to your bank, summarised in one place, with the ones that need attention pulled to the top.
The arithmetic, shown.
Every figure in the verdict can be traced to a document and recomputed by your team.
Continue to Product matching