Financial Trade Analysis Score Model™ (FTASM)

Professional License

Structured Trade Credit Reference & Risk Scoring System (Excel)

The Financial Trade Analysis Score Model™ (FTASM) is a focused trade credit evaluation system designed to convert credit reports, bank references, and trade references into measurable, statistically weighted risk classifications.

This is not a full financial statement diagnostics platform.

FTASM is purpose-built for disciplined trade credit departments that require consistent scoring methodology, structured ranking logic, and defensible credit limit guidance based on reference performance.

It transforms qualitative credit information into quantifiable risk-based outputs.

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What This System Enables

• Structured credit report scoring
• Bank reference reliability evaluation
• Trade reference performance assessment
• Composite risk ranking
• Risk-tier classification outputs
• Credit limit recommendation guidance
• Consistent customer risk segmentation

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Scoring Architecture

Credit Report Scoring Engine

A structured methodology for converting commercial credit report data into weighted risk scores:

• Risk factor weighting
• Structured scoring inputs
• Transparent calculation logic
• Tier-based classification outputs

Standardizes interpretation of external credit bureau data.

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Bank Reference Evaluation Framework

A structured scoring layer focused on liquidity and reliability indicators:

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

Provides measurable structure to bank reference review.

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Trade Reference Performance Analysis

A scoring engine focused on payment behavior and exposure trends:

• Payment history scoring
• Days outstanding evaluation
• Exposure utilization review
• Performance consistency weighting

Converts trade reference feedback into systematic risk indicators.

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Composite Risk Ranking Model

Integrated aggregation logic:

• Weighted multi-factor scoring
• Consolidated risk classification
• Customer ranking by financial exposure risk
• Standardized Low / Moderate / High outputs

Supports consistent portfolio segmentation.

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Credit Limit Recommendation Logic

A structured recommendation component translating risk profile into exposure guidance:

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

Provides disciplined internal credit decision support.

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Ideal Applications

• New customer onboarding
• Trade credit approval
• Ongoing customer risk monitoring
• Credit committee preparation
• Customer portfolio segmentation
• Reference-based credit decisions

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Designed For

• Trade credit managers
• Accounts receivable departments
• Credit analysts
• Risk managers
• Commercial credit professionals
• Financial controllers

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Professional License Scope

The Professional License authorizes internal use within one registered legal entity.

Permitted:

• Internal credit report scoring
• Trade reference evaluation
• Bank reference analysis
• Customer risk classification
• Credit limit recommendation support

Not Permitted:

• Advisory or consulting use across multiple entities
• Redistribution or resale of the workbook
• Transfer of license ownership

Consultants and advisory professionals serving multiple entities require the Commercial / Advisory License.

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License & Activation Framework

FTASM includes activation-controlled deployment to ensure compliant internal use and intellectual property protection.

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 Professional License if you:

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

Choose the Commercial / Advisory License if you:

• Serve multiple client organizations
• Provide structured credit scoring services
• Require compliant cross-entity deployment

Selecting the appropriate license ensures compliant professional deployment.

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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
• Trade and bank reference evaluation architecture
• Composite risk ranking model
• Credit limit recommendation logic
• Activation-based professional 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 Analysis Capability

FTASM focuses specifically on structured trade reference and credit report scoring.

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

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

Many credit departments utilize FTASM for trade reference scoring and FAMC for comprehensive financial evaluation.

FAMC is available separately under Professional and Commercial licenses.

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Positioning Statement

Disciplined trade credit decisions require structured scoring.

They are measured — not guessed.