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The Team Monaris Score is the company-level equivalent of the individual Monaris Score. It is built from your business’s aggregate cashflow activity — vendor payments, payroll execution, client payments, and obligations coverage — and updated in real time.

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Who this is for

Companies on Monaris Business that want to establish creditworthiness as a business entity, access B2B Pay Later, and build a verifiable financial reputation for their organization.

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How it is built

The Team Score draws from the same six signal categories as the individual Score, applied at the company level:
  1. Payment Consistency — how reliably the company pays vendors and obligations on time
  2. Income Stability — regularity and predictability of business inflows from clients
  3. Client Diversity — number of distinct paying clients at the company level
  4. Obligations Coverage — how well the company meets its recurring financial commitments (payroll, vendors, subscriptions)
  5. Volume History — total verified business transaction volume
  6. Account Depth — how long the business has been active on Monaris

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What the Team Score unlocks

  • B2B Pay Later — flexible payment terms for business purchases, underwritten by Team Score
  • Higher BNPL limits — team-level credit access beyond individual limits
  • Business creditworthiness — a verifiable signal for partners, vendors, and counterparties
  • Priority terms — better rates and higher limits as Team Score improves

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How it differs from individual Scores

Individual Scores and Team Scores are separate. A team member’s individual Score reflects their personal financial activity. The Team Score reflects the company’s aggregate behavior. Both can exist simultaneously — a person can have a strong individual Score and belong to a company with a strong Team Score.

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Availability

The Team Monaris Score is part of Monaris Business, launching in V3.

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