Pre-qualification
See where you stand — without a credit check.
No hard or soft credit pull occurs and no credit bureau is contacted. Results are indicative software outputs, not an offer of credit.
How your file is handled
01 · Intake
Business details, cash-flow figures and an optional PDF. No credit bureau is contacted.
02 · Policy checks
Amount bounds, jurisdiction, data completeness and coverage ratio run against the active policy version.
03 · Score and band
An aeax score, risk band and plain-language reason codes for every factor that moved the result.
04 · Routing and audit
Pre-approved, further review or not pre-approved — recorded with a reproducible input fingerprint.
You can also browse live Kiva listings and the loan types we fund and score any of them instantly — no sign-in required.
Under the hood
Exactly how the score is produced
The engine is a deterministic, rules-based cash-flow model — not a black box. Every file starts at 40 points, each factor below adds or removes points, and the total is clamped to 0–100. The same inputs under the same policy version always return the same score, band and reason codes, which is what makes a run reproducible and auditable.
| Factor | Point range | Thresholds applied |
|---|---|---|
| Debt service coveragecode: dscr · Heaviest | -25 to +30 | (revenue − expenses − existing debt) ÷ estimated payment. ≥2.0x +30 · ≥1.5x +24 · ≥1.25x +16 · ≥1.0x +8 · ≥0.75x −10 · below −25 |
| Operating margincode: margin · High | -18 to +14 | ≥30% +14 · ≥20% +10 · ≥10% +5 · ≥0% 0 · negative −18 |
| Time tradingcode: tenure · Medium | -12 to +14 | ≥60 months +14 · ≥36 +10 · ≥18 +6 · ≥6 0 · under 6 −12 |
| Existing leveragecode: leverage · Medium | -15 to +8 | existing debt ÷ revenue. ≤5% +8 · ≤15% +3 · ≤30% −6 · above 30% −15 |
| Requested exposurecode: exposure · Medium | -18 to +8 | amount ÷ annual revenue. ≤15% +8 · ≤30% +3 · ≤50% −8 · above 50% −18 |
| Credit file quality (self-reported)code: credit · Supporting only | 0 to +20 | excellent +20 · good +14 · fair +8 · thin +4 · none 0. Never a gate, and no bureau is contacted. |
| Sector volatilitycode: sector · Light | -5 to +3 | Configurable policy weight per sector. A settings value, not a statistic derived from portfolio performance. |
Decision rule
- Pre-approved — score ≥ 70 and coverage ≥ 1.25x
- Further review — score 50–69, or coverage below 1.25x with an otherwise strong file
- Not pre-approved — score below 50
- Risk bands: A ≥ 80 · B ≥ 65 · C ≥ 50 · D ≥ 35 · unrated below 35
What it is built on
- Inputs: self-reported cash-flow figures, trading history, requested amount, sector and country — plus any document attached to the file.
- No statistical model is fitted to borrower outcomes and no protected characteristics are used. Thresholds are written policy, published above, and versioned.
- No credit bureau is contacted at pre-qualification. There is no hard or soft pull and no impact on a credit score.
- Policy aeax-policy-2026.08.1 · engine aeax-engine-1.2.0
aeax provides decision-support software and is not a lender. Pre-qualification results are indicative and are not an offer of credit.
Distribution
Send this to anyone, or embed it
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Shareable link
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