Credit.
The price of borrowing and the moment borrowers fail, from yields to court petitions.
Reading…
Power your idea with Panbiota → · Open the instrument · Intelligence, not advice.
What it answers.
- Has any of our customers, suppliers or counterparties faced a winding-up petition or filed for Chapter 11 today?
- Was demand at today's 10-year auction weaker than at recent ones, and did it sell at a higher yield than the market?
- When a company reports a debt called in early, does a bankruptcy filing really tend to follow within months?
- Did the last rate decision match what markets had priced, and how quickly did overnight rates follow?
- Are company insolvencies in our sector rising before the official monthly count shows it?
- If rates rose as fast as they ever have, how many of our borrowers would fail affordability, and in which sectors would losses gather?
Who uses it.
Credit traders and licensed fund managers
When to add or cut government and company debt. A weak auction, a yield-gap jump or a bankruptcy cluster, while the market is open.
Bank and fund risk desks
An alert the day a counterparty faces a winding-up petition, Chapter 11 or a debt called early. Limits cut now, not at the next review.
Corporate treasurers
When to borrow, for how long, fixed or floating. Policy rates, overnight rates and curve shapes each morning, before asking banks for terms.
Credit risk teams at lenders
Affordability stress rates and provisioning stages. Dated rate paths and sector insolvencies give each change a basis a supervisor can follow.
Credit controllers and collections teams
Keep supplying, chase or pass to collections? An alert the day a petition, administrator or Chapter 11 case appears, before creditors are told.
What we model, test and run.
Weak auction on a steepening curve
Thin bids at a US, UK or German auction, sold above market yield. Long yields outpacing short, more supply due. What it has meant before, and what it likely means now.
One rate, two forms
A gilt yield against the overnight-rate swap at the same maturity: near enough the same sterling risk. Flagged when the gap beats financing, dealing, margin and balance-sheet costs.
Called in early, then court
When a US-listed company reports a debt called in early: how often Chapter 11 follows, and how fast.
Rate shock and insolvency wave on today's book
Your loan book or bonds through rate and insolvency shocks, the sharpest rate rises included. Out: strain, defaults, provisions by sector, and where affordability fails.
Credit execution and limit engine
Works orders in government bonds and credit index swaps. Cuts a limit or sets a credit hold the moment a filing lands. Runs in your systems, on your rules.
What we build for you.
Sovereign curve heat map
US, UK, German, Japanese and Canadian yields, 1 month to 40 years, coloured by the day's move. Alerts on a 2-year above 10-year, or a three-month-record gap move.
Auction scorecard
Each US, UK and German auction result as it posts: bids per unit offered, the tail, auction against market yield. An alert when it ranks among the weakest fifth of recent sales.
Credit event tape and watch list
UK winding-up petitions and administrations, US Chapter 11s, debts called early and bank failures, as they happen. Your counterparties matched, companies only, never private individuals.
Rate-decision model
Before each decision: what the 2-year and swap curve imply. After: the surprise, and how fast overnight, bond and loan rates followed. Flags dollar cash getting scarce.
Insolvency early count
Reads the next official UK insolvency count, by sector and region, before it is published.
Delivered to you.
Morning rates reading
One page before the European open: policy and overnight rates, each major curve's shape, the day's auctions and decisions.
Auction-day alerts
Each US, UK and German auction result as it posts, demand and pricing scored against recent auctions.
Managed counterparty watch
Customers, suppliers and counterparties matched to company numbers. An assistant in your team chat alerts the day one appears in an insolvency notice or filing.
Credit model review
Independent review of scorecards, affordability rules and expected-loss models: stability, bias across groups, behaviour under stress. Written as a governance pack.
Reading…
Power your idea → · Open the instrument · Intelligence, not advice.
We build the intelligence.