Financial Trade Analysis Score Model™ (FTASM)

Commercial / Advisory License

Structured Trade Credit Scoring System for Multi-Entity Deployment (Excel)

The Financial Trade Analysis Score Model™ (FTASM) – Commercial / Advisory License is engineered for professionals and firms conducting structured trade credit evaluations across multiple client organizations.

This system converts credit reports, bank references, and trade references into weighted, quantifiable risk classifications using disciplined scoring logic and standardized evaluation methodology.

FTASM Commercial is designed for advisory deployment, portfolio segmentation, and client-facing credit assessment within a controlled Excel-based architecture.

This is not a full financial statement diagnostics system.

It is a focused, reference-driven trade credit scoring platform built for consistent multi-entity application.

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What This Commercial License Enables

• Multi-client trade credit scoring deployment
• Advisory-grade credit report evaluation
• Structured bank and trade reference assessment
• Client-facing risk tier classification
• Composite risk ranking across portfolios
• Compliant cross-entity deployment authority

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Trade Credit Scoring Architecture

Credit Report Evaluation Engine

A structured scoring framework translating commercial credit bureau data into measurable risk classifications:

• Weighted risk factor inputs
• Transparent scoring formulas
• Tier-based risk outputs
• Standardized interpretation logic

Designed for consistent advisory deployment across multiple clients.

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Bank Reference Assessment Framework

Structured evaluation of liquidity and reliability indicators:

• Banking relationship inputs
• Liquidity strength weighting
• Reference credibility calibration
• Risk impact contribution scoring

Enables measurable, defensible bank reference review.

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Trade Reference Performance Analysis

Focused on payment behavior and exposure trends:

• Payment history scoring
• Days outstanding evaluation
• Exposure utilization analysis
• Weighted trade performance indicators

Transforms qualitative trade feedback into systematic risk metrics.

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Composite Risk Ranking Model

Aggregated risk evaluation logic:

• Multi-factor weighted scoring
• Consolidated risk classification
• Portfolio-level customer ranking
• Standardized Low / Moderate / High outputs

Supports advisory reporting and structured credit segmentation.

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Credit Limit Recommendation Logic

Structured exposure guidance aligned with trade credit risk profile:

• Risk-adjusted credit limit outputs
• Structured approval support
• Policy-aligned recommendation framework

Designed for client-facing credit committee presentations.

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Ideal Advisory Applications

• Multi-client trade credit evaluation
• Credit portfolio segmentation
• Advisory-based credit scoring services
• Structured onboarding risk assessment
• Client-facing credit committee preparation
• Trade credit policy framework implementation

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Designed For

• Credit consultants
• Advisory firms
• Fractional CFOs
• Accounts receivable consulting teams
• Risk advisory professionals
• Financial analysts serving multiple entities

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Commercial / Advisory License Scope

The Commercial License authorizes deployment across multiple client organizations for advisory and consulting purposes.

Permitted:

• Multi-client credit report scoring
• Trade and bank reference evaluation across entities
• Client-facing reporting
• Cross-entity deployment
• Structured credit scoring services

Not Permitted:

• Resale of the raw workbook
• Redistribution of the original file
• White-label resale
• Transfer of license ownership

This license is intended for professional advisory use and compliant multi-entity deployment.

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License & Activation Framework

FTASM Commercial includes activation-controlled deployment to protect intellectual property while enabling advisory authority.

Included:

• Unique Activation ID system
• Secure license validation
• Governance-protected worksheets
• Structured workbook protection

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Which License Is Right For You?

Choose the Commercial / Advisory License if you:

• Provide credit scoring or consulting services
• Serve multiple client organizations
• Deliver structured client-facing credit evaluations
• Require compliant cross-entity deployment

Choose the Professional License if you:

• Operate a single internal trade credit department
• Use the system within one registered legal entity
• Do not provide advisory services

Selecting the appropriate license ensures professional compliance and proper deployment authority.

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License Comparison

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Still unsure which license applies to you?
Contact us for clarification before purchase.

What You Receive

• 1 professionally engineered Excel (.xlsm) trade credit scoring system
• Weighted credit report scoring framework
• Bank and trade reference evaluation architecture
• Composite risk ranking model
• Credit limit recommendation logic
• Commercial / Advisory activation license
• Setup and deployment instructions

Digital download. Instant delivery after secure checkout. No physical product.
Microsoft Excel (Desktop Version) required. Macros must be enabled.

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Expand Your Credit Architecture

FTASM focuses on structured trade reference and credit report scoring.

For organizations requiring deeper financial statement diagnostics, ratio-based evaluation, and comprehensive credit risk modeling, the Financial & Credit Analysis Model™ (FAMC) provides a more advanced credit diagnostics framework.

FTASM = Reference-Based Trade Scoring
FAMC = Full Financial Strength & Risk Architecture

Many advisory professionals deploy FTASM for structured trade scoring and FAMC for comprehensive financial performance evaluation.

FAMC is available separately under Professional and Commercial licenses.

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Positioning Statement

Structured trade credit decisions require measurable scoring.

They are calculated — not assumed.