CreditEstimate overview

CreditEstimate (CE) provides a current and detailed credit report of a Dutch SME based on the transaction data for up to 24 months from the present date. CreditEstimate uses Rabobank’s proprietary algorithms used for SME loan and credit acceptance.

With this API, you can:

• Save cost - Removes the need for annual figure analysis.
• Be Accurate - Best-in-class credit report based on up-to-date liquidity data.
• Be Secure - Bank-grade security and GDPR-compliant.
• Be Fast - A (conditional) offer within 3 minutes
• Get broad coverage - Available for all Dutch SME entities and all Dutch banks

If API-consumers request information about the information modules in the credit report from an end user, two models are included:

• CreditScore: Provides a credit score based on Rabobank's assessment of an end user's Probability of Default (PD), meaning probability that an end user may not fulfil its financial obligations in the coming 12 months. This module requires a minimum of 12 calendar months of the user's transaction data.
• CashFlowAnalysis (CFA): Provides an overview of credits, debits, and balances (minimum, maximum, and end-of-month) per calendar month, as well as its resulting averages. This module requires a minimum of 3 calendar months of the user's data.