Indicative credit ratings built by applying the analytical frameworks of S&P, Moody's, and Fitch. Pay per rating or subscribe for unlimited access.
Buy credits when you need them. No commitment.
For one-off analysis
For active deal teams
Unlimited shadow ratings for teams and frequent users.
We are evaluating monthly subscription tiers for analysts and teams. In the meantime, use our Pay as you go credits above — or get in touch if you have high-volume needs.
What is a shadow rating?
A shadow rating is an indicative credit opinion produced by applying published rating-agency methodologies (S&P, Moody's, Fitch) to financial and qualitative data you provide. It gives you a credible external reference point without the cost and time of a formal rating engagement.
How does NotchWork differ from S&P / Moody's / Fitch?
NotchWork is not a registered credit rating agency. Outputs are analytical tools for internal use, produced from publicly available methodology documents. Official agency ratings may differ because they incorporate non-public information, direct issuer dialogue, and proprietary analyst judgment.
Do credits expire?
Credits in the Pack of 10 tier are valid for 12 months from the date of purchase. Single ratings are consumed immediately upon generation.
How is my data handled?
Documents you upload are stored in an encrypted private Supabase Storage bucket. Financial data is only used to produce your rating; it is never shared with third parties or used to train models. See our Disclosures page for full details.
What's the difference between credits and a subscription?
Credits suit one-off or occasional use — you pay per rating and they are valid for 12 months. A subscription suits analysts and teams who run multiple ratings per month; unlimited access for a flat monthly fee.
Can I switch between plans?
Yes. You can upgrade, downgrade, or cancel at any time from your account page. Changes take effect at the next billing cycle.