The estimate weighs three risk dimensions together:

Collections & receivables. Your annual credit-sales volume, average collection period (DSO) and estimated default rate are taken together. The longer the terms, the heavier the collection risk; the expected collection loss is derived from these inputs.

Supply continuity. Your annual value tied to a critical supply, your single-source dependency and your post-disruption recovery time are considered. The greater the dependency and recovery time, the larger the potential disruption cost.

Concentration. Your largest customer’s share of revenue shows whether risk is concentrated in a single counterparty.

These three dimensions combine into a single risk level and — as in our published work, where higher strength maps to a better rating — are translated into an AAA–B band. Certain critical conditions (for example an unhedged single-source dependency or extreme default) trigger a knockout rule that pulls the band straight to critical.

Weights and thresholds are calibrated to the TSRI-100 methodology. This tool is indicative and does not produce a binding rating.