Gifftid

Some of the strongest small businesses are the hardest to assess. Their value sits in contracts, capability and relationships, not in filed assets or years of trading. Conventional assessment was not built to read them. Gifftid makes them legible. We are decision intelligence infrastructure for the Modern SME economy: companies outside conventional credit and procurement models. We assess each one against Risk, Readiness and Resilience, R³, built from forward operational signals, using one fixed, versioned methodology, not a general-purpose model, for the lenders, investors and procurement teams who decide whether it gets funded, backed or contracted. This is not a credit score, and every assessment carries the evidence behind it. WHAT YOU GET Every assessment returns a tier and the Decision Log behind it: inputs, signals, confidence and reasoning, reproducible for a credit committee, a funder or an audit. Alongside it: a signals report, a stress assessment and a readiness profile. Where the evidence is not there, the report says so rather than scoring anyway. HOW IT WORKS Send a list of company names. We assess each against public filings and operational signals and return a report on every company, plus a view across the cohort. No integration, no account and nothing required from the businesses themselves. WHERE IT FITS Gifftid works alongside your existing credit model and decision process, not instead of them. We do not lend, do not invest and do not change your risk appetite. The decision stays with the people who make it today, with more evidence in front of them. We work with banks and challenger lenders, CDFIs, commercial finance brokers, impact and development finance funds, LGPS pools and place-based investors, and public sector and corporate procurement. Gifftid assesses UK limited companies. We will assess a completed cohort of your own from public filings, and show what a wider evidence base would have surfaced. See the model at gifftid.com.