Self-evaluation of ones’ own credit rating is fundamental to a healthy management of production factors both in SMEs and Micro SMEs where external financing generally comes from a traditional bank rather than from a venture capitalist or from investment funds. Knowing how to handle corporate finances and how to overcome communication problems and lack of information is the key to a successful procurement. This is necessary for growth and development and helps to redress internal weaknesses before they are unnecessarily exposed to third parties.
