Business credit scoring is vital for banks, insurers, brokers, fintechs and corporates. Legacy players like CreditSafe, Coface and Altares have long dominated with massive databases and global coverage. But new entrants such as Algoan, Provener and RocketFin are reshaping the landscape with API-first, real-time and explainable solutions.
👉 This 2025 comparison helps risk managers and decision-makers choose between legacy providers and next-generation platforms.
Strengths: international coverage, reputation, detailed reports.
Weaknesses: outdated data, limited API integration, not real-time.
Strengths: credit insurance expertise, global footprint, strong brand.
Weaknesses: report-focused, limited explainability, API-lite.
Strengths: huge datasets, worldwide coverage, recognition.
Weaknesses: heavy tools, low agility, limited SME/startup scoring.
Strengths: Open Banking API scoring, technical innovation.
Weaknesses: banking-only coverage, limited explainability.
Strengths: cloud-native, more flexible contracts.
Weaknesses: partial coverage (us company), limited brand recognition.
RocketFin bridges legacy robustness with fintech agility:
Multi-source: banking, accounting, public, legal.
API-first: sub-500ms scoring, easy integration.
Explainability (XAI): factor breakdowns, reason codes, recommendations.
Inclusivity: SMEs, startups and atypical sectors scored reliably.
AI Act compliance: logs, governance, auditability.
Dynamic monitoring: continuous updates via webhooks.
In 2025, the credit scoring market splits in two:
Legacy players (CreditSafe, Coface, Altares): strong but static.
Fintech challengers (Algoan, Provener, RocketFin): agile, API-first, explainable.
👉 RocketFin combines the multi-source depth of legacy data with the speed, inclusivity and compliance of new-generation APIs.
Next step? Try RocketFin demo and compare yourself.