Data-driven credit analysis and ratings
Financial institutions, funds and lenders face ever-higher demands for precision in credit analysis and forward-looking credit assessment. Together with Modefinance, the ESMA-licensed credit rating agency, TicWorks offers digital tools for credit rating, portfolio analysis and credit risk forecasting that automate and streamline credit assessment
data-driven credit assessment
Traditional credit processes are manual, time-consuming and often lack the precision needed for accurate risk assessment. Yet many institutions still rely on spreadsheets and gut feeling. Modefinance's tools digitise, automate and structure credit assessment. The result is faster decisions, greater precision and a business that can scale
Two platforms for different needs
Modefinance's tools give you data-driven credit assessment — from quick counterparty checks to advanced portfolio analysis
S-Peek
Fast and efficient credit assessment of counterparties — for example, when setting payment terms or vetting suppliers. Available as a mobile app for quick assessments, or via API for direct integration into your system
Tigran
An advanced credit platform built for lenders, enabling a structured, digital and automated credit process. The platform offers features such as portfolio analysis, ESG analysis and AI-driven credit forecasts
Financial data from Sweden's market leader
TicWorks partners with UC, Sweden's largest credit information provider since 1977
"We've long had TicWorks and Modefinance as a data provider to our platform, 'Kodiak Hub' — a solution that helps global companies optimise their supply chains. With a proven credit model and strong data availability, TicWorks makes it possible for us to deliver robust financial scoring of suppliers, so our customers can proactively address and manage risks across the entire value chain. TicWorks' financial expertise, combined with a flexible solution in Modefinance, has been hugely important to us"
How to get started
Needs assessment
We map out what kind of credit assessment, credit process and risk management you need
Platform selection
We choose the tool that suits you best — S-peek for quick credit assessment or Tigran for advanced credit analysis
Proof of concept
We let you test the tool and evaluate the results. We make any necessary adjustments
Integration
The tool is integrated into your existing systems — as a stand-alone application, via API, or as a full-scale platform solution
How a Nordic niche bank built a unified credit process with Tigran
The bank lacked a single system for credit decisions and portfolio monitoring. We implemented Tigran and tailored the solution to the bank's credit process — from analysis to reporting
Want to see the tools in action?
Gustav Linnarsson
Associate
"With the right tools, credit assessment goes from weeks to hours — without compromising on precision"
Frequently asked questions about Modefinance
Can't find the answer you're looking for? Get in touch and we'll tell you more
What is credit assessment, and why is it needed?
Credit assessment is a systematic evaluation of a company's creditworthiness. With data-driven credit assessment, you replace manual processes with AI-supported tools that deliver faster, more precise and forward-looking risk assessments
What is Modefinance, and how does its credit assessment work?
Modefinance is an ESMA-licensed credit rating agency that offers digital tools for credit assessment, credit analysis and credit risk forecasting, as well as ratings
What is a credit profile, and how is it created?
A credit profile is a complete picture of a company's creditworthiness — based on financial metrics, payment history and forward-looking risk factors. Modefinance's tools create credit profiles automatically through data-driven credit rating, giving an objective and comparable assessment
What's the difference between S-peek and Tigran?
S-peek is for quick credit assessments of counterparties — via app or API. Tigran is an advanced platform for lenders, with in-depth credit analyses, portfolio analysis, ESG analysis and AI-driven credit forecasts
Who uses Tigran?
Banks, credit funds, family offices and other financial institutions that need structured and automated credit assessment
Can the tools be integrated into our existing system?
Yes — S-peek and Tigran are available both as stand-alone platforms and via API for direct integration into your existing systems
How do we get started?
Book a demo, and we'll map out your needs and show you how the platforms work in practice