Four scores.
One complete picture
Core Capital Passport contains four independent but correlated scores, each measuring an underlying critical dimension of your business's financial health.
How healthy is your business, operationally?
The BHS considers the building blocks of your business—how well do you manage your expenses, what is your profit margin, and how strong is your cash position? We evaluate the foundational mechanics that keep the operations running and uncover early warning flags.
- Month-over-month expense efficiency
- Gross and operating profit margins
- Revenue consistency and trajectory
- Operating cash flow stability
- Days sales outstanding (DSO)
Can this business handle and repay debt?
The CRS indicates to a lender the actual creditworthiness of a business and readiness for debt. It evaluates past and present credit history, existing liabilities, cash flows available to service new debt, and overall risk of default.
- Debt service coverage ratio (DSCR)
- Past credit obligations and repayment history
- Current liquidity metrics
- Cash conversion cycle
- Debt-to-equity and leverage ratios
Is this business ready for equity or growth capital?
The IRS evaluates the fundamentals attractive to equity investors: growth trajectory, governance maturity, documentation quality, and strategic operational practices in place.
- Return on equity/capital employed
- Revenue growth vs industry benchmarks
- Business valuation and audited accounts
- Governance and structure maturity
- Unit economics and scalability
Is this business compliant and audit-ready?
The TRS assesses your tax compliance posture — whether your business files returns consistently, makes required payments, and is clear of significant regulatory exposure.
- VAT filing history and consistency
- Company income tax (CIT) returns
- PAYE (Payroll tax) compliance
- Regulatory fees and licenses
- Historical tax liabilities and audits
Data overlap matrix
Some data sources contribute to more than one score — meaning you value of every data point you connect.
| Data source | BHS | CRS | IRS | TRS |
|---|---|---|---|---|
| Bank transaction history | ||||
| ERP / registration data | ||||
| Tax filings | ||||
| KYC & identity verification | ||||
| Field verification (physical/asset) | ||||
| Self-reported business details |
Risk band guide
The risk bands help you quickly interpret a score's meaning across lenders and institutions.
Strong performance across all indicators. Lenders extend credit with confidence.
Solid fundamentals but some missing pieces. Most lenders will lend.
Weak historical data or consistent instability. Requires clear intervention.
Significant data gaps or critical indicators that limit support and confidence.
See what your business scores
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