This is an Excel spreadsheet used by the credit staff at one of the nation's largest sign companies to come up with a score for potential customers. After spending nearly a year, and looking at 9 or 10 different credit scoring software packages, the staff at YESCO threw up their hands and decided to develop their own.

Many principles in the extension of credit are the same for everyone, so this will serve as an excellent starting point to help you develop a system that makes sense for you. But you will want to change it to make it your own, since every company has a different appetite for risk and unique elements to a customer base.