Banking sector has always been one of the most regulated, especially considering the insolvency of three systemic banks that granted non-performing loans in 2014. Thus the debtor’s creditworthiness is not only important to the bank but to the entire financial system. Hence credit score method ensures not only a fair and impartial but also quickens the process and reduces the probability of errors by examining quantitative and qualitative factors as well as guarantees. This paper focuses on the analysis of financial performances of “Supraten”JSC., upon the long-term credit request. In brief, due to total accumulated points based on quantitative indicators the debtor is classified as substandard so the advance payment would have to be about 30% from the sum of credit.