I’m ready to turn a long-nurtured idea into a working web platform that lets small and medium-sized businesses know exactly how much credit they can safely extend to their own customers—complete with the peace of mind that comes from insurance-grade analytics. The core workflow is straightforward: pull application data directly from standard trade credit apps, enrich it in real time with feeds from well-known third-party credit-rating agencies, and run it all through predictive analytics models similar to those underwriters rely on. The output each SME receives should be an easy-to-understand credit score, a recommended limit, and a summary of the key drivers behind the decision. Accuracy matters, because I intend to back these limits with an insurance policy, so the models must be auditable and defensible. What I need from you • A secure, browser-based platform (mobile-friendly) built with modern, maintainable tech. • API connectors for the multiple data sources above, architected so additional sources—such as internal company databases and accounting software—can be plugged in later without a major rewrite. • Implementation of predictive analytics/credit scoring algorithms, tuned for SME portfolios and documented well enough for insurer review. • A clean dashboard where users can upload, create or pull an application, view the calculated limit, drill down into risk factors, and export a PDF summary. • Light branding and UX polish so it feels ready for market. Acceptance criteria 1. End-to-end demo on test data showing a credit application flowing through to an on-screen limit and downloadable report. 2. Unit tests for each algorithm component plus basic security tests on the data connectors. 3. Technical hand-off pack: source code, architecture diagram, API documentation, and model explanation suitable for actuaries. If you’ve built fintech, insurtech, or scoring engines before, I’d love to see your work. Let’s discuss your proposed stack, timeline, and any questions you have so we can get this live for SMEs as soon as possible.