Sigma Commercial Score
The Sigma Commercial Score leverages decades of proprietary commercial payment data, public domain information, and research to assess the relative likelihood of short-term commercial payment performance and related risk for businesses of all types in South Africa. It is designed to evaluate businesses with regard to their operating profile and available data.
Businesses and credit providers seek a comprehensive model to help assess the likelihood of payment for various commercial entities, including large corporations, SMEs, and entities with limited financial data.
Tailored Risk Assessment
Provides specific evaluations for different types of businesses, ensuring more tailored risk assessment.
Improved Segmentation
Offers targeted segmentation for large companies, traditional SMEs, and entities with limited data, designed for stable risk differentiation.
Better Decision-Making
Focuses on short-term debt payment behaviour, enabling more informed lending and credit decisions.
Find out more about Experian’s Commercial Delphi service
How It Works
The Sigma Commercial Score divides businesses into three segments, each evaluated based on their operational scale and available data. This segmentation allows for a more precise assessment:
- Non-SME (Large)
- SME (Small)
- Non-Researched: Entities with limited financial data are scored based on broader industry trends and behaviour.
Comparison with Commercial Delphi Gen 4
- Commercial Delphi Gen 4: Focuses on predicting a business’s propensity to fail over 12 months.
- Sigma Commercial Score: Assesses the likelihood of a business honouring its short-term debt obligations.
Key Features
- Segmented Scoring: Uses tailored data and benchmarks to assess large companies, SMEs, and less-documented entities.
- Data-Driven Insight: Leverages decades of payment data to supports a more differentiated view of commercial credit risk.
- Scalability: Adapts to a wide range of businesses, from large enterprises with extensive data to smaller entities with minimal financial records.