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Credit Risk Assessment

Make safer credit decisions. Protect your cash flow. Grow with confidence.

Credit Risk Assessment from Cedar Rose gives organisations the independent, evidence-backed insight they need to make safer lending, trading, and procurement decisions — especially in markets where reliable financial data is limited or inconsistently reported. Credit risk does not always reveal itself in published accounts; payment delays, silent insolvency signals, licence suspensions, legal disputes, and regional instability often go undetected by automated scoring systems. Our intelligence brings clarity by combining proprietary credit scoring, behavioural indicators, sector benchmarks, regional datasets, legal red-flag detection, and human-verified interpretation. For exporters, banks, insurers, procurement teams, and professional advisors, this intelligence provides a realistic understanding of whether a company can meet its obligations — and whether extending credit, approving terms, or entering long-term agreements is financially safe. When the risk is real, the data must be trustworthy.
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A Deeper Understanding of Risk, Where It Matters Most

For more than 25 years, Cedar Rose has helped organisations avoid bad debt and high-risk partnerships by delivering structured, regionally validated credit intelligence.

Our specialisation in the Middle East, Africa, and frontier markets provides visibility where transparency is low and defaults are common. Using local registry access, in-language research, and proprietary scoring, we assess financial resilience even when official statements are scarce.

Our credit intelligence supports trade finance, underwriting, onboarding, M&A due diligence, portfolio reviews, and supplier screening. 

What’s Included in Our Credit Risk Assessment

 

Independent Credit Scoring

Objective ratings evaluate financial strength, payment trends, liquidity signals, and market-specific risk factors. Continuously updated and aligned with global practices, our scoring provides a realistic view of default probability across diverse and emerging markets.

Financials & Benchmarks

Assess financial resilience even when statements are limited. Where available, we analyse ratios, year-on-year trends, and industry comparisons; in low-data markets, we use proxy indicators and regional benchmarks to build a robust financial picture.

Legal & Operational Red Flags

Identify early warning signs before losses occur. We flag insolvencies, legal actions, licence suspensions, irregular behaviour, and operational risks that often precede late payments, disputes, or business failure.

Expert Commentary & Context

Human analysts interpret financial and operational signals, adding regional insight and narrative explanation unavailable in automated platforms. Commentary provides clarity on trends, anomalies, and local market behaviour.

How It Works in Real Environments

 Credit insight integrates into onboarding, underwriting, procurement, and trade-finance workflows where fast, accurate decisions are essential. 

 

Trade finance decisions
Banks assess borrower strength instantly before extending facilities or approving cross-border credit terms.
Export risk evaluation
Manufacturers review buyer creditworthiness before shipping goods under open-account or deferred-payment terms.
Supplier screening
Procurement teams detect unstable vendors to prevent production delays and supply-chain disruption.
Insurance underwriting
Insurers analyse credit risk to price policies accurately and reduce exposure across portfolios.
M&A due diligence
Advisors use financial clarity to assess targets and identify hidden liabilities before acquisition.
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Trade finance decisions
Banks assess borrower strength instantly before extending facilities or approving cross-border credit terms.
Export risk evaluation
Manufacturers review buyer creditworthiness before shipping goods under open-account or deferred-payment terms.
Supplier screening
Procurement teams detect unstable vendors to prevent production delays and supply-chain disruption.
Insurance underwriting
Insurers analyse credit risk to price policies accurately and reduce exposure across portfolios.
M&A due diligence
Advisors use financial clarity to assess targets and identify hidden liabilities before acquisition.
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Group 48097292 1
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insurance4
ma 1

Why Choose Us

Why Choose Cedar Rose for Compliance & AML Screening

Regional credit expertise

Our deep MEA coverage uncovers financial realities often missed by global bureaus, enabling clarity in high-risk and low-transparency markets.

More than a score

Contextual analysis, behavioural trends, and structured evidence give you a complete picture—not just a number.

Human-verified accuracy

Analysts review and validate results, resolving discrepancies and ensuring reliability where public data is fragmented.

Built for integration

Access credit insight through API, portal, or batch delivery, enabling seamless use in onboarding, trade-finance, and risk systems.

Operational risk visibility

Legal, regulatory, and operational red flags help identify early signs of distress before disruptions occur.

Compliance-aligned output

Reports support trade finance, underwriting, onboarding, and regulatory obligations with clear, audit-ready documentation.

Our Edge

Values And Approach

 

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Values

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Approach

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when an unknown printer took a galley of type and scrambled it to make a type specimen book.

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Don’t Let Unreliable Data Derail Your Growth!

Incomplete unreliable data and limited risk visibility don't just slow your company down; they actively sabotage its growth. Without comprehensive standardised, reliable quality data, you expose your business to unnecessary risks which complicate your ability to analyse the market landscape, and develop effective strategies.

Worse yet, compliance missteps, especially in new markets, can lead to costly fines that stifle your growth and tarnish your reputation. All this is also compounded by slow, manual processes that leave you scrambling to keep up, ultimately costing you deals, partnerships, and valuable time. 

The thing is, high growth often means high-risk exposure, and the only way to navigate risk is through data. When harnessed correctly, data serves as your north star, guiding you through the maze of growth. 

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Make Credit Safer, and Smarter

Credit decisions depend on timely, trustworthy intelligence. Cedar Rose ensures your teams — and your automated systems — receive verified financial and operational insight exactly when it’s needed. Our credit data integrates into ERPs, underwriting engines, onboarding tools, procurement platforms, and AI-driven risk systems.

Wherever exposure must be evaluated quickly and confidently, our intelligence provides the clarity required to protect revenue and support sustainable growth.