Borrower Health Scoring
A 0–100 strategic health score per borrower, refreshed monthly.
For Banks & DFIs
Lend on foresight, not just collateral.
Collateral and cash flow are lagging. Fortis Pulse gives you leading indicators on borrower health — strengthening SME clients while lowering your default risk.
Talk to Our DFI TeamBorrower Portfolio3 early warnings
Sahel Trading82
Coastline Retail47
Delta Logistics55
Early warning: 2 borrowers showing Systems decay — proactive outreach recommended.
The Last to Know
By the time a payment is missed, the rot is months old.
You're the last to know — and the first to lose. Collateral and cash-flow metrics are lagging indicators; the operational decay that causes default shows up far earlier in leading data.
Materially
Leading-indicator monitoring can reduce SME default rates — turning a reactive lender into a proactive partner.
The Shift
Provide Pulse as a growth tool. Borrowers get stronger; you gain real visibility.
Your borrowers build better businesses with their own score and AI advice. You gain real-time visibility into management maturity — transforming a cold lender into a proactive strategic partner.
Credit & Capacity Capabilities
De-risk the book, build the borrower.
Early-Warning Flag Feeds
Leading-indicator flags piped to your credit-risk team before default.
Portfolio Risk Views
Concentration and cohort risk across the SME book at a glance.
Capacity-Building Reporting
Demonstrable SME-development impact for SME desks and development mandates.
"We caught two borrowers drifting before they missed a payment. The conversations shifted from collections to coaching — and NPLs dropped."
AB
SME Desk Lead
Atlantic Bank
"Will borrowers see this as surveillance?"
They see their own score and AI advice first. It's a benefit they want — one that also de-risks your book. The opt-in framing makes it a partnership, not oversight.