FlowScore© is a real-time credit-risk engine that prices a company by its position in the global supply chain. It continuously ingests B2B transactions, trade relationships, and external macro signals — news, economic indicators, raw-material prices — and derives nine proprietary non-financial risk components. A semi-supervised anomaly-detection model maps each company across its multi-tier supplier network to detect distress before it reaches the financials. These components fuse into a single, dynamically updated credit score with SHAP-based attribution, so every decision is explainable and auditable. Delivered as web-based software with an API, FlowScore integrates into existing lending and core-banking systems and returns an assessment in minutes rather than days. It serves SME owners seeking working capital and the lenders who underwrite them, and is protected by five filed patents, including PCT applications.