Our Risk Scoring model
Maclear AG
Ensuring Financial Integrity Through Rigorous Due Diligence
We prioritize a thorough due diligence process to ensure the financial health and long-term performance of every borrowing entity. Our meticulous approach focuses on a company’s ability to generate the revenue and profit necessary to service loans.
Multi-Stage Selection Process
Every borrowing project on our platform undergoes a rigorous, risk-based selection process comprising several critical stages:
1. Initial Documentation Review: Project owners must submit all relevant legal documentation, including statutory documents, certificates of beneficiaries, and extracts from an independent credit bureau.
2. Background Checks and AML Assessment: We conduct exhaustive background checks and Anti-Money Laundering (AML) assessments on all project owners and legal entities.
3. Onboarding with KYC and KYB Standards: Borrowers complete a detailed due diligence questionnaire. This questionnaire, with around 40 questions, provides deep insights into the borrowers, their track record, industry experience, and sources of wealth.
Universal Scoring Model: Mitigating Risk
Our universal scoring model is pivotal in evaluating a company’s financial performance and its capacity to service loans, significantly reducing default risks by incorporating best practices from the banking sector.
In-Depth Financial Analysis
Potential borrowers must provide comprehensive financial statements, including balance sheets, profit and loss statements, and income statements. We assess key financial indicators, such as the debt-to-equity ratio and working capital ratio, to gauge the company’s financial stability.
Risk Scoring and Interest Rate Determination
Our scoring model helps us swiftly identify non-viable projects, which are promptly excluded from the onboarding process. For viable projects, we assign a risk score that determines the interest rates offered to our investors.
Our rigorous due diligence ensures that only financially robust projects make it to our platform, safeguarding our investors' interests.