Every buyer in your AR ledger gets an S&P-, Moody’s- and Fitch-methodology-blended credit rating plus a continuous surveillance watch — from $25 per Trade Credit Memo. No subscription. No Bloomberg terminal. No blind spots past your top twenty accounts.
Corporate sellers extend billions in payment terms every month with two kinds of infrastructure: expensive reports on one buyer, or a spreadsheet that hasn’t been updated since the last board meeting. Neither is how you’d underwrite the same exposure if it sat on a bank’s balance sheet.
D&B or Creditsafe reports run $70–150 per buyer, one at a time. Enterprise seats on Cap IQ or Moody’s CreditLens start at $24k/year — so most of the credit team watches a portfolio from the outside.
$70–150 / report $24k–65k / seatManual quarterly reviews cover the names that matter most. Everyone else is reviewed once a year if at all — and a mid-sized buyer going sideways quietly is how surprise write-offs happen.
Sentinel rates every buyer on every refresh. Surveillance is continuous, not scheduled.
The CFO, the board, and the auditor all ask the same question: “did you know?” Every Sentinel memo carries a full audit trail — model version, methodology provenance, overlay envelope, and the signals that moved the rating.
You get a defensible answer, not a screenshot.
Public buyer? Enter the ticker and we auto-harvest EDGAR filings. Private buyer? Drop their financial statements — PDF, XLSX, or CSV.
S&P + Moody’s + Fitch methodology blended with forensic models (Altman, Beneish, Merton, Ohlson, Piotroski, Zmijewski) and sector overlays.
Blended Implied plus Sentinel Adjusted. Every notch traced to the signal that moved it — overlay envelope disclosed at ±4.5 notches.
Forwardable DOCX with rating, capital structure, covenant analysis, OBS disclosure scan, watch-list triggers, and limitations block.
A rating is the start. Sentinel ships four institutional surfaces around it — each with full SR 11-7 provenance, browser-local privacy, and audit-grade traceability. Your incumbents (RapidRatings, D&B, Cap IQ) ship a number; Sentinel ships a system.
Upload your last 5 years of loan or counterparty performance. Sentinel re-fits per-rating-bucket PD multipliers and LGD against your realized loss curve in under 30 seconds. Your raw data never leaves the browser.
Wilson 95% CI gating · BCBS WP 14 bucket adequacy · multipliers clamped to [0.5×, 2.0×] · reversible per-session.
Compare your fitted calibration to the cross-customer Pool baseline for your sector. RapidRatings has a 40-year proprietary database; your peers, collectively, have a better one. Contributors save 10–50% on Pro tier.
k-anonymity ≥ 50 · Laplace DP ε=1.0 · 30-day daily-salt rotation · Dwork-McSherry-Nissim-Smith (2006) · GDPR Art. 32.
A 95th-percentile RapidRatings score plus 70% TSMC dependency is one earthquake from a covenant breach. Sentinel surfaces geographic / single-name / single-source / OFAC-adjacent supplier concentration as a first-class credit signal.
DOJ Horizontal Merger §5.3 HHI thresholds · OFAC 31 CFR 501-598 strict-liability gating · Resilinc / MIT CTL heuristics · CCO review on critical.
One-click ECOA-compliant Adverse Action Notice DOCX with a max-4 reason taxonomy (CFPB Circular 2022-03 anti-complexity safe). Forensic Benford’s Law digit-distribution test auto-escalates CCO review on first-digit anomaly.
15 USC 1691 / 12 CFR 1002.9(b)(2) · 36-code Reg B Appendix C-1 + 21 commercial codes · Wilson-Hilferty p-value · Nigrini (1996, 2012).
Sentinel’s methodology catches trajectory risk 12–18 months before agency ratings move. Hertz Global Holdings is a clean pre-pandemic case: agencies held BB−/Ba3/BB− right up to the filing.
Leverage 6.5–7×
Altman Z < 1.0
Beneish M elevated
CFO / EBITDA < 0.4×
Piotroski F < 4/9
Merton DD ~0.7σ
— any one is a flag; six together is a filing in 18 months.
Most trade-credit teams never need a subscription — they need a defensible memo on a specific buyer, once. That’s what PAYG is for.
Anchor. $25 per Trade Credit Memo. A D&B / Creditsafe buyer report: $70–150. A Cap IQ or CreditLens seat: $24,000+ / year.
Every limitation below is also published inside the app on the Known Limitations page, per SR 11-7 Section V guidance on model-risk transparency. Transparency is cheaper than a defamation suit.
Sentinel Credit, Inc. is not a Nationally Recognized Statistical Rating Organization. Model outputs are analytical opinions, not official credit ratings, and must not be represented as such.
31-ticker S&P 500 pilot to date. Expansion to a 125-ticker stratified panel in Q3 2026 and a Russell 3000 run in Q4 2026. Full confusion matrix is in the in-app validation pack.
Self-attested as of this page. Independent third-party model-validation review is in progress with a targeted completion before any enterprise-tier customer goes live.
SOC 2 Type I audit underway; Type II follows the observation window. Enterprise contracts include completed attestation on delivery as a condition of go-live.
+1.23-notch bias on large-cap investment-grade names relative to agency ratings, observed on the 31-ticker pilot. Disclosed per-rating in the Known Limitations panel — most material for rating mega-caps, immaterial for distressed buyers where Sentinel’s edge is strongest.
Corporates covered — including distressed and cyclical. Banks and financial institutions use a separate FI framework. Insurance, sovereigns, and municipal credit are not yet covered.
Forward this page to your AR, credit, or treasury team. Your first ten ratings are free, every day, forever.
Sentinel Credit, Inc. is not a Nationally Recognized Statistical Rating Organization. Model outputs are analytical opinions, not official credit ratings.