About credimi

Credimi.com is an Italy-based FinTech start-up, providing invoice financing for small and medium-sized enterprises and supply chain financing for high profile corporates. Credimi’s mission is to make invoice financing faster, simpler and more transparent than any other available alternative.


Speeding-up credit risk rating and pricing

True to its mission statement, Credimi was looking for automation technologies to help make its invoice financing and risk assessment process faster and more transparent.


Wanted: A scalable credit rating and pricing engine

Credimi was looking for a flexible and scalable credit risk rating and pricing engine to be incorporated into the underwriting workflow to achieve a high level of automation in the credit risk assessment process. The rating engine had to fulfill the following main requirements.


  • Access to internal and external data sources (e.g. credit bureaus)
  • Flexible implementation and maintenance of risk rating models based on an internal algorithm
  • Full audit trail on user interactions and calculation results

Autonomous operation for rating und pricing

Credimi decided on ACTICO and its decision management technology as an integral component of its origination process. After an initial training on configuration, testing and deployment of rule models, Credimi was able to independently author and implement all rating and pricing models. The goal was to implement a modular architecture to be able to integrate new modules at occurrence and the result of data projects related to risk assessment.

  • Autonomously operate the rating and pricing engine
  • leveraging Credimi’s in-house capabilities to configure and extend rating models with a very short time-to-market
  • Significantly reduce time to deliver transparent and consistent invoice financing decisions
  • Fully auditable financing decisions and respective processes

Funding invoices within a short time period after submission

Credit decision and pricing needed to be automated to fund the invoices within 48 hours after submission, processes such as invoicer and invoicee rating. Credimi now has a proprietary rating model to perform a credit risk analysis, makes credit decisions based on credit policies and calculate prices for financing requests.

ACTICO Credit Risk Management Platform

Risk rating and pricing in invoice financing.

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