INBONIS RATING is the first Credit Rating Agency specialized in rating SMEs registered by the European Securities and Markets Authority (ESMA). INBONIS RATING issues robust and independent credit ratings of SMEs with annual revenues between 5 and 50 million euros and a financial debt of 0.5 to 10 million euros. SME rating coverage is provided in all sectors with the exception of that of financial institutions and insurance companies. In Europe, only ESMA-registered Credit Rating Agencies can issue ratings. INBONIS RATING can operate in any country of the European Union. It is currently providing SME coverage in France and Spain INBONIS RATING is democratising credit rating by offering SME ratings with industry standard guarantees of objectivity at a competitive price. - Proven SME-specific rating methodology - Independence and objectivity in accordance with European Regulation CREDIT RATINGS THAT CONTRIBUTE TO WEALTH CREATION INBONIS RATING’s mission is to support the positive social and economic impact of SMEs by building trust between SMEs and financiers. Credit ratings are a powerful tool in that mission bringing efficiency and transparency to the financial market and facilitating the flow of appropriate financing at the right price so that SMEs can grow and generate wealth. Use cases - Make SME financing decisions (financiers) - Price/assess SME securitisations/portfolios (financiers) - Determine capital requirements for solvency purposes. (banks, insurers) - Monitor SME portfolios (asset managers) - Assess the creditworthiness of a business partner (any organization) - Certify its own creditworthiness to negotiate a loan (SME)