Hire your Credit Rating consultant in 48 hours

Our community connects the world’s top
Credit Rating specialists to projects that need execution, now. Reliable. Targeted. Fast.
Hero - M&A Freelancing
Trusted by

Explore Credit Rating advisors

Berlin, Germany Strategy, M&A
Manager
9 years experience
  • Credit Rating
  • Financial Modeling
  • Corporate Finance
  • Financial Analysis
  • +7
Hire Gloria
London, UK Strategy, M&A
Associate
5 years experience
  • Credit Rating
  • Financial Modeling
  • Business Strategy
  • M&A
  • +19
Hire Ivan
Madrid, Community of Madrid, Spain M&A, Investment Management
Associate
1 years experience
  • Credit Rating
  • Financial Modeling
  • Corporate Finance
  • Financial Analysis
  • +8
Hire Ana
Milan, Lombardy, Italy M&A
Senior
12 years experience
  • Credit Rating
  • M&A
  • Due Diligence
  • Valuation
  • +1
Hire Sergio
İstanbul, Turkey M&A
Associate
2 years experience
  • Credit Rating
  • M&A
  • Due Diligence
  • Corporate Law
  • +11
Hire Yağmur
Philadelphia, PA, USA Strategy, M&A
Associate
6 years experience
  • Credit Rating
  • Financial Modeling
  • Business Strategy
  • M&A
  • +7
Hire Ash
Mexico City, Mexico Private Equity, Venture Capital
Analyst
3 years experience
  • Credit Rating
  • Financial Modeling
  • Business Strategy
  • Corporate Finance
  • +4
Hire Gustavo
Chandigarh, India Private Equity
Analyst
1 years experience
  • Credit Rating
  • Corporate Finance
  • Financial Analysis
  • Due Diligence
  • +1
Hire Soumil
Our credit rating consultants help with client credit advisory helping businesses seeking credit to improve their credit rating where possible and also advise on the most appropriate type of credit to embrace.

Fintalent is the fastest way to get hyper-specialized M&A talent

Talent with experience at

Frequently asked questions

What clients usually engage your Credit Rating Consultants?

We work with clients from all over the world. Our clients range from enterprise and corporate clients to companies that are backed by Private Equity or Venture Capital funds. Furthermore, we work directly with Family Offices, Private Equity firms, and Asset Managers. Most of our enterprise clients have dedicated Corporate Development, M&A, and Strategy divisions which are utilizing our pool of Credit Rating talent to add on-demand and flexible resources, expertise, or staff to their in-house team.

How is Fintalent different?

Fintalent is not a staffing agency. We are a community of best-in-class Credit Rating professionals, highly specialized within their domains. We have streamlined the process of engaging the best Credit Rating talent and are able to provide clients with Credit Rating professionals within 48 hours of first engaging them. We believe that our platform provides more value for Corporates, Ventures, Private Equity and Venture Capital firms, and Family Offices.

Our Hiring Process – What do ‘Community-Approach’ and ‘Invite-to-Apply’ mean?

‘Invite-to-Apply’ is the process by which we shortlist candidates for the majority of projects on our platform. Often, due to the confidential nature of our clients’ projects, we do not release projects to our whole platform but using the matching technology and expertise of our internal team we select candidates who are the best fit for our clients’ needs. This approach also ensures engagement with our community of professionals on the Fintalent platform, and is a benefit both to our clients and independent professionals, as our freelancers have direct access to the roles best suited to their skills and are more likely to take an interest in a project if they have been sought out directly. In addition, if a member of our community is unavailable for a project but knows someone whose skill set perfectly fits the brief, they are able to invite them to apply for the role, utilizing the personal networks of each talent on our platform.

Which skills and expertise do your Fintalents have?

The Fintalents are hand-picked and vetted Credit Rating professionals, speak over 55 languages, and have professional experience in all geographical markets. Our Credit Rating consultants’ experience ranges from 3+ years as analysts at top investment banks and Strategy consultancies, to later career C-level executives. The average working experience is 6.9 years and 80% of all Fintalents range from 3-12 years into their careers.

Our Credit Rating consultants have experience in leading firms as well as interfacing with clients and wider corporate structures and management. What makes our Credit Rating talent pool stand out is the fact that they have technical backgrounds in over 2,900 industries.

How does the screening and onboarding of your Credit Rating talent work?

Fintalent.io is an invite-only platform and we believe in the power of referrals and a closed-loop community. Members of our community are able to invite a small number of professionals onto the platform. In addition, our team actively scouts for the best talent who have experience in investment banking or have worked at a global top management consultancy. All of our community-referred talent and scouted talent are subject to a rigorous screening process. As such, over the last 18 months totaling more than 750 hours of onboarding calls, of which only 40% have received an invite-link after the call.

What happens if I am not satisfied with my Credit Rating consultant’s work?

During your initial engagement with a member of our Fintalent talent pool with no risk. If you are not satisfied with the quality of your hire for any reason then we are able to find a replacement at short notice. There is no minimum commitment per project, but generally projects last at least 5 days and can last 12+ months.

We are a community-based M&A staffing platform.

With our platform, you can fill full-time M&A roles, or staff your team with a Credit Rating expert when you need an extra hand.

Full Flexibility

On-demand M&A deal staffing

Get full flexibility and add M&A team members from analyst to VP level on demand and on a per-deal basis.

Learn more → 

How the Fintalent Profiles Look
The right hire

Permanent M&A Hiring

Hire the best talent for your Corporate M&A team. Our platform approach gets you in front of the right candidates, incredibly fast.

Learn more → 

Everything you need to know about Credit Rating

What is a Credit Rating?

Credit rating is the measurement of how likely you are to repay your debts and be financially responsible with them, rather than default or run up any further large debts. Credit scores according to our credit rating consultants, are sent out by credit bureaus to lenders for someone who borrows money.

A credit rating system is a set of rules for determining the creditworthiness of borrowers. Credit ratings provide lenders with a standardized method for evaluating the risk posed by an individual borrower based on their credit history together with other relevant factors such as future ability to pay and the probability of default. In some instances, agencies provide ratings for issuers of debt (debt issuers), particularly corporate bonds, collections, trade receivables, asset-backed securities/collateralized debt obligations (CDOs/CDOs), and mortgage-backed securities (MBSs).

Credit ratings are developed by credit rating agencies (CRAs), which in turn receive their data from parties in the financial industry who maintain borrower information. CRAs are not law nor are they officially appointed. There are many different CRAs that follow the same rating system of that of the number and amount of credit checks, age of borrowers, past performance, personal history and future potential. This is why you will notice a difference in credit ratings for each company.

CRAs rank borrowers based on the factors given to them by lenders and other financial institutions. Ratings range from excellent (low risk) to default (high risk). The higher your credit rating, the less expensive your loans or mortgage payments will be to you, or it might actually help you get a lower interest rate. Lenders use this data to determine whether it is safe for them to approve you for a loan or loan modification.

How do we Get a Credit Rating?

When you are looking for a business loan, you have to have a good credit rating. The higher your credit score, the more likely you are to get approved for funds — and the better interest rate you will get on your loan, if applicable. You can also earn an enhanced credit rating by providing proof that your business has been around for many years and consistently paid its debts on time. This stability will build customer confidence in your business and indicate that you are likely to continue paying debts in future.

What is a Credit Worth?

Having a good credit rating doesn’t mean that you will get the best credit terms for your business borrowing; it just means that you are likely to get approved for the loan and will receive better interest rates. The average rate of interest on a small business loan is 14% — but it can go as high as 20% or more, depending on the type of financing you’re taking out. Consumers can also use their credit ratings to negotiate with companies like insurers and utility suppliers, in order to get discounts or special deals on their bills.

How is a Credit Rating Calculated?

Credit ratings are calculated in a number of ways. One of the most common is called the FICO algorithm — this determines how much risk you pose to the lender and thus how much risk you can be allowed for when borrowing. The more risk your company poses, the higher your credit rating will be; but take care, as just because your business has a high FICO rating, this doesn’t necessarily mean that you will be approved for all loans you apply for!

How do You Improve your Credit Rating?

As well as being open and transparent about your company’s financial situation, you can also improve your business credit rating by paying all of your debts on time. This will help ensure that your customers are not put off by the risk of dealing with you in future. If you have been toying with the idea of starting up a new business and need some short-term financing to get you going, then consider taking out an invoice finance loan. This is a streamlined way to get upfront capital for your business and it means that there is no need to receive a high credit rating in order to be approved for funds.

What is a Good Credit Rating?

A credit rating of 650 and above is ideal; this shows lenders that you are a very stable business that is unlikely to close down and disappear with their money. You can also save on your business insurance premium by raising your credit rating — so it’s worth considering taking out a business loan just to improve your score if needed! There are many ways to raise your credit score, but the best way to get an instant boost is by providing proof of new assets or equity built up in your company.

What is a Bad Credit Rating?

If you have a credit rating of less than 650, your business will be considered high risk and this may mean that you are not able to get any form of short-term financing. Your business will also be subject to higher premiums on any insurance policies you take out.

How do I check my Business Credit Rating?

Your credit score is available for free and can easily be checked online using various resources.

What is the Best Credit Rating for my Business?

The only thing that matters when it comes to your credit rating is how well you pay your debts back on time; everything else is just secondary.

What Happens if my Credit Rating is Low?

With a low rating, you will find it difficult to get short-term financing if your business needs more cash.

Looking for a different skillset?

Hire related Fintalents

Case studies

Want to become a Fintalent?

»Fintalent gives me access to high potential strategy and M&A professionals, efficiently and fast. Their quality is unmatched in the industry. Fintalent is here to fundamentally change the way companies run high-impact M&A projects.«

Melik Salmi
Seyfi Melik Salmi
Senior Director Corporate Development & Strategy at SAP

As a founder CEO, I’ve been evaluating our exit readiness and other options. Fintalent.io provided me with an expert who helped me to understand the value of our business. He took a closer look at our internal KPI and structures, to make sure we’re set up in the most professional way possible.

Bernd Bube
Bernd Bube
Founder & CEO, Advendio

»I’ve experienced the struggle to staff talent with real industry expertise firsthand. Fintalent solves that gap with super fast staffing for M&A projects, and offers a sustainable project pipeline for professionals as well.«

valentin.5f5ca02a
Valentín Rivas Vera
Strategy Director at Lyntia​