For Lenders
Every other variable in a credit decision arrives as a financial figure: turnover, gearing, sector loss rates, security cover. Üsta produces borrower cyber exposure the same way, as a loss distribution, so it can reach the price, the limit and the provision.
Request a Partnership ConversationYour lending book by cyber risk band, so cyber exposure can enter pricing, limits and provisioning the way any other credit variable does.
The Problem
A cyber incident impairs a borrower the way a fire or a fraud does. Operations stop, payment systems freeze, financial records are lost, and regulatory obligations follow. Each of those lands on the borrower's ability to generate cash flow and service debt, which makes it a credit variable rather than an IT one.
Credit models run on quantities: probability of default, loss given default, exposure at default. A cyber questionnaire on its own produces none of those. Üsta turns the assessment into a loss distribution, so cyber can enter the price, the covenant, the limit and the provision alongside everything else.
Ransomware can halt a borrower's operations for weeks, directly affecting repayment capacity
Cyber incidents trigger regulatory penalties under data protection law, from POPIA to GDPR, compounding financial stress
SMEs typically lack the reserves to absorb a major cyber loss without credit deterioration
Origination, pricing, covenants and provisioning all run on numbers cyber does not currently supply
The Value Proposition
Üsta operates both as a credit risk input and as a tool you can offer to your borrowers to reduce their operational risk, which is also your credit risk.
Embed cyber risk assessment into origination, renewal, or monitoring. Receive financial loss distributions and tail scenarios structured for credit committee use. Price and provision more accurately against a risk your book already carries.
Offer quantified cyber risk assessment as a value-added service to your SME clients. Help them understand their financial exposure and make better decisions about controls and cyber insurance, reducing their operational risk and, with it, your credit risk.
What Partners Get
A ransomware attack can halt operations, freeze accounts, and destroy a borrower's ability to service debt. Üsta produces financial loss distributions that translate cyber exposure into credit risk terms: expected loss, tail scenarios, and recovery timeline, structured for credit committee input.
Üsta combines a structured control assessment and operational profile with an external view of the borrower's attack surface, the kind an attacker would assemble without their involvement. Each input is weighted by how well it can be corroborated, producing calibrated probability distributions that can sit beside the rest of the credit file.
Understand the aggregate cyber exposure sitting in your lending book. Identify sector concentrations, model correlated stress scenarios, and make more informed decisions on provisioning and portfolio construction as the cyber incident environment intensifies.
Offer quantified cyber risk assessment as part of your SME value proposition. Help borrowers understand their financial exposure and what it means for their business continuity, deepening the relationship and reducing operational risk across your book.
How the Partnership Works
Üsta's structured assessment is administered to the borrower at origination, at renewal, or as a standalone engagement. No technical infrastructure is required on the borrower's side.
We build a calibrated cyber risk model for the borrower based on their control posture, sector, revenue scale, and the threat environment they operate in. The output is a financial loss distribution, not a score.
You receive financial exposure estimates, tail loss scenarios, and a control posture summary, structured for use alongside your existing credit assessment and presented in terms your credit committee can act on.
Cyber risk is not static. Üsta can provide periodic reassessment as part of loan monitoring, flagging material changes in a borrower's risk posture before they surface as credit events.
Who This Is For
Every engagement is structured around your specific portfolio, client profile, and credit workflow. A conversation is the right place to start.