As part of our credit risk assessment, if the SME passes our eligibility criteria, we conduct further credit checks on the business and the Directors using Credit Bureaus (such as Experian, Equifax, and CreditSafe). Upon satisfactory credit reports and analysis of the business’s financial statements, each business is then priced using our proprietary risk scoring model. Their risk band determines the profit rate which will be charged for the duration of the financing facility.
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