The SME Credit Bureau Credit Rating can help you quickly assess a firm's credit standing; by collating available key information of a company's performance and payment history to provide an overall evaluation of the firm's creditworthiness. This process is streamlined into the Bureau's Applications thus improving the efficiency of the credit assessment information flow for you.

The SME Credit Bureau Credit Rating is developed based on D&B's statistical analysis and risk modelling. The risk model calculates a rating that provides an indication of a company's creditworthiness - based on information obtained from a range of business databases, Credit Histories and Payment Trends. It's logarithm aims to predict the likelihood that a Commercial Entity will Default within the next 12 months.

This Probability of Default (PD) is calculated using statistically valid models developed specifically for the Malaysian commercial landscape. Historical data from a range of Business and Credit information sources were combined and analysed to determine key attributes which are statistically the most significant factors for predicting default.

As part of increasing value to our valued Members, the SME Credit Bureau will also continue to enhance and develop more proprietary sets of key scores that uses more information gathered from additional data sources to present a broader and further unbiased view in aid of predicting creditworthiness.