A credit rating influences pricing, limits and negotiating strength with every lender that follows. Yet many businesses go into a rating review without knowing how the methodology will read their numbers, or which strengths are not coming through in their submission.
We prepare you before the process starts: diagnosing where you stand, closing avoidable gaps, building a clear credit narrative and supporting management through agency interaction and ongoing surveillance. The rating itself always remains the agency's independent decision.
What we do
Pre-rating diagnostic
A structured review of financial ratios, liquidity, business and industry risk, and governance, benchmarked against the criteria rating committees apply.
Rating presentation and documentation
A management presentation and data pack that show cash flow stability, order-book visibility, customer quality and growth plans clearly and credibly.
Management meeting and committee preparation
Briefing the management team on likely questions and areas of focus so discussions with the agency are confident and consistent.
Bank loan rating and instrument rating
Guidance on the right rating type for the facility you are raising, and preparation tailored to bank loan or debt instrument requirements.
Upgrade and appeal support
Building the technical case for a review when you believe the assigned rating understates the business, with supporting evidence and a clear representation.
Surveillance and ongoing monitoring
Support through annual reviews and between cycles, including covenant tracking and early warnings on ratios that could affect your standing.
How an engagement runs
- 01
Diagnostic review
We assess ratios, cash flows and risk factors against the methodology that will be applied to you.
- 02
Credit positioning
We close avoidable gaps and shape the narrative so strengths are visible and weaknesses are explained.
- 03
Agency interaction
We prepare management, coordinate information requests and support discussions with the agency.
- 04
Surveillance support
We help you stay ahead of annual reviews and covenant requirements after the rating is assigned.
Who this is for
Seeking a first rating
You are preparing for your first bank loan or instrument rating and want to go in prepared.
Rating below what fundamentals suggest
Your business is performing well but the last outcome did not reflect it.
Review or surveillance approaching
You want your next review managed proactively rather than reactively.
Frequently asked questions
No. Ratings are assigned independently by the agency, and anyone promising an outcome should be treated with caution. We improve the quality of preparation and presentation, which materially affects how well your credit story is understood.
A diagnostic can often be completed in a few weeks. Full preparation through to submission depends on how ready your financials, projections and documentation already are.
Your recent audited financials, any existing rating letters or sanction terms, and a conversation about your business model, customers and growth plans.
Let's talk about what your business needs.
A first conversation is free. We will tell you candidly whether and how we can help.