Our proprietary credit-scoring system uses a risk-based pricing model to determine interest rates. In evaluating both hard and soft data collected from customers and validated by third parties and site visits, an FS Scoring Grade is reached, representing our assessment of both the business’ and their owners’ capacity and willingness to repay the loan. As per most investments, higher rewards come with higher risk. We assign higher interest rates for the latter SMEs to compensate for the higher risks investors assume.

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