An AI-driven score that evaluates business legitimacy, financial health, and risk.
Worth's Unified Credit Score
The Worth Score™ is a powerful, AI-driven credit score for businesses—similar in concept to a personal credit score like FICO®, but designed specifically to evaluate the legitimacy, financial health, and overall trustworthiness of a company.
Just as a personal credit score reflects individual financial reliability, the Worth Score consolidates over 1,100 data points—ranging from payment history and debt levels to public records, ownership information, and digital footprint—into a single, comprehensive metric. This unified score empowers lenders, partners, and compliance teams to quickly and confidently evaluate a business’s risk profile.
👉 To see what fuels the Worth Score™, check out the full list of components that go into its calculation below:
Why It Matters
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Streamlined Onboarding: Simplifies the Know Your Business (KYB) process by delivering a unified, data-driven view of a company’s financial health and risk profile.
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Enhanced Risk Assessment: Uncovers potential risks and fraud through in-depth analysis of financial and organizational data.
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Improved Decision-Making: Provides real-time insights into a business’s credit profile, enabling faster, more confident lending and partnership decisions.
Key Benefits
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Comprehensive Data Integration: Unifies diverse data sources—government records, legal filings, and digital presence—into a single, comprehensive view of a business’s creditworthiness.
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Explainable AI Models: Leverages machine learning algorithms to deliver transparent, interpretable credit assessments—ensuring fairness and consistency across evaluations.
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Real-Time Monitoring: Continuously refreshes credit scores with the latest financial data, ensuring decisions are always based on the most current information.
What are the Worth score ranges?
Decision ranges can be configured based on business requirements and risk tolerance, enabling automated decisions or manual review based on score thresholds. For instance, all cases can be routed to manual review, regardless of score, depending on how the thresholds are defined.
High Severity (0-550): Indicates high risk. Entities in this range often face serious financial challenges—such as defaults, frequent late payments, or bankruptcies—and are considered less likely to meet financial obligations reliably.
Medium Severity (551-699): Represents moderate risk. These entities may have a fair credit history with occasional late payments or other manageable issues, but no severe financial red flags.
Low Severity (700-850): Reflects low risk. Entities in this range are seen as financially stable, with a strong history of on-time payments and a high likelihood of meeting future financial commitments.