A Modern Tool for Smarter Financial Management

In today’s credit-driven business world, understanding risk is not a luxury—it’s a necessity. For small and medium-sized enterprises (SMEs), managing financial relationships with suppliers, customers, and banks requires access to accurate, up-to-date credit information. That’s where the Findeks Risk Report comes in.

Findeks offers vital insight into the financial health of individuals and businesses. Whether you’re evaluating a new client or planning to expand your credit line, the Findeks system can be a game-changer.

What Is the Findeks Risk Report?

The Findeks Risk Report is a standardized summary of a company’s (or individual’s) credit behavior and repayment history. It includes:

• Loan activity
• Credit card usage
• Overdraft accounts
• Payment delays
• Legal follow-ups
• Credit limits and outstanding balances

This data is collected and updated regularly by financial institutions and reported to the Risk Center of the Banks Association of Turkey (TBB).

The report reflects your financial reputation—how reliably you meet your obligations—and it’s used by banks, telco companies, leasing firms, and even retailers to evaluate your creditworthiness.

Understanding the Findeks Credit Score

Your Findeks Credit Score is a number between 1 and 1900, where:

• 1 = Highest risk
• 1900 = Lowest risk

This score fluctuates daily based on your credit activity. It considers factors such as:

• Existing debts
• Payment behavior
• New credit inquiries
• Credit utilization ratio

For SMEs, maintaining a strong Findeks score means better loan terms, higher credibility with suppliers, and stronger negotiation power with financial institutions.

Key Benefits of the Findeks Risk Report for SMEs

1. Evaluate Risk Before Every Deal

Before entering into an installment sale or extending credit to a customer, SMEs can request that customer’s Findeks Risk Report. This allows businesses to:

• Avoid high-risk customers
• Adjust pricing or payment terms
• Minimize default-related losses

2. Build Financial Trust with Suppliers and Banks

SMEs that share their own Findeks data with banks and vendors can demonstrate transparency and financial discipline. A high score strengthens business relationships and builds confidence in your reliability.

3. Improve Internal Financial Management

With access to their own risk report, SMEs can see:

• Which banks they work with
• How much risk exposure they have
• Delayed payments (if any)
• Legal proceedings related to debts

This enables business owners to track financial health in real time, take corrective action early, and avoid larger structural issues.

What’s Inside a Findeks Report?

Every report includes credit-related activity from the past five years, even for loans that have been closed or are under legal follow-up. The report offers a comprehensive view of:

• Active and closed loans
• Late payments
• Overdue debts
• Legal collection processes
• Total credit limit and current usage

This information is especially useful during:

• Investment planning
• Supplier negotiations
• Customer onboarding
• Bank loan applications

---

Introducing Findeks Commercial: Tailored for SMEs

Findeks Commercial is a premium service designed specifically for business needs. It offers tools that help SMEs manage:

• Collection risks
• Payment behaviors
• Operational financial decisions

SMEs using Findeks Commercial can monitor both customers and suppliers to avoid bad debt, structure more flexible payment plans, and maintain a healthy cash flow.

---

Why Findeks Matters More Than Ever in 2025

In a volatile economy marked by uncertainty and digital transformation, access to reliable credit data is essential for long-term business growth. SMEs, which often operate with limited margins and depend heavily on external financing, need every possible advantage.

A high Findeks score not only opens doors to low-cost financing, but also signals to potential partners and investors that your business is reliable, organized, and future-ready.

Make Findeks Part of Your Growth Strategy

At abcoffinance.com, we believe that financial transparency and risk management are keys to SME success. Whether you’re a startup or a seasoned company, using the Findeks Risk Report can help you:

• Avoid bad financial decisions
• Secure better credit terms
• Build trust in your ecosystem

Don’t just rely on intuition—make data-driven decisions. Integrate Findeks into your business strategy today and give your company the edge it deserves.