Capitex Business Loan is a service that streamlines and quality-assures credit analysis and credit assessment for financing to companies. The service facilitates for both the bank and the corporate customer in the credit process.

Credit Assessment and Decision Basis

The service automates, digitizes, and creates a clearer structure. Historical outcomes are imported, and forecasts are automatically created, showing the effects of financing directly. This shifts the focus from collecting and registering information about the company to instead performing the actual analysis of the company's future payment ability. At the same time, a complete Credit Memorandum is automatically created so that a decision can be made.

Capitex Business Loan support many different types of data imports. Examples of imports are UC (Sweden, Norway, and Finland), up-to-date accounting / SIE files, import of security data such as mortgage deeds and company mortgages, Excel documents. More sources for import and automatic reading to the service are added continuously and in dialogue with our customers.

The new requirements from the Swedish Financial Supervisory Authority mean that credit decisions should be based on future payment ability, something that the service solves by creating forecasts automatically. If needed, these forecasts can also be easily adjusted. Thanks to the service creating clear future forecasts where the effects of financing and investment are immediately apparent, a comprehensive view of the company's financing needs can be identified.

The service handles not only loans but can also manage other forms of financing such as credits and factoring, etc., which ensures that the customer gets the right solution for their needs.

Through a good structure with traceability, the work with Governance, Risk, and Compliance is also facilitated.

Example image Capitex Business Loan basic view

Analysis

An important part of Capitex Business Loan is the analysis section, which focuses on both history and future. The Income Statement, Balance Sheet, Key Ratios, and Cash Flow are presented in an easily overviewed manner. Forecasts for the coming years are automatically calculated based on historical development but can be easily and smoothly adjusted if needed.

The analysis that is created has significantly higher quality than traditional credit data since both historical and future figures are considered in the credit assessment. After analyzing both financial factors and other company information such as the assessment of the business idea, company management, structural capital, etc., an internal rating/risk classification can be made to facilitate the assessment of credit risk. All assessments that the handlers make during credit preparation are saved, which creates traceability and reduces dependency on individuals.

Credit Memorandum / Decision Basis

The service creates a complete decision basis, which is presented according to the bank's requirements and wishes concerning layout and presentation. The data entered in the application is transferred to the decision basis/credit memorandum used by the bank. It is possible to work directly in the Credit Memorandum view or from the application, and everything is updated regardless of the view.

It is, of course, possible to work with the decision basis entirely digitally, but if there is a need, a traditional credit memorandum can be printed and saved in PDF format.

Adaptable and Flexible

Capitex Business Loan include a calculation engine that handles all steps in the process but can also be used in a separate process engine where each sub-module can be visualized if you want to build a user interface towards the customer or integrated into your own handler tool.

The service imports data from credit information companies and can also advantageously import other data from the bank that is valuable for the credit process. This means that mandatory parts can be inserted from other systems so that the basis for a credit decision is of higher quality and that it streamlines the process.

The calculation engine, including the report generator, is designed so that it can receive both numerical and non-numerical information and generate a completed Credit Memorandum that can, of course, be easily supplemented if needed.

Several modules are available, and you can decide for yourselves which parts you specifically need to make the process as smooth as possible.