Choose a tool according to the question, prepare reliable data and interpret the result in the right context.
Last check: Jul 14, 2026 · 9 tool guide
The nine instruments are organized into three groups. Open the practical guidelines only when you need them.
Structure, concentration, liquidity and behavior in adverse scenarios.
Cash flows, reinvestment and comparison of sample distributions.
Platforms, loan originators and data preparation for tax reporting.
Use statements, contracts, reports and official records. Record the date of the information.
Use one currency and the same names for platforms, countries and publishers.
Examine the metrics individually and test how they change under different assumptions.
Compare the result with the primary sources and don't make a decision based on just one score.
Good methodology cannot fix wrong input.
Compare values from a recent point in time. Do not mix current positions with old statements.
Convert all amounts at a consistent rate and record the rate used.
Check that available funds, principal and interest are not present in more than one category.
For publishers and guarantors, use the legal entity, not just the brand.
Mark missing information as unknown instead of using optimistic assumption.
Record whether the value comes from a statement, contract, report or official register.
The shares are more even. This does not prove the financial stability of the platforms.
A small number of positions have a large impact. This is a signal for further analysis.
This is not a guaranteed return and may reflect additional risk.
More points completed, but quality of evidence not automatically confirmed.
Which input has the most impact, what risk does it pose, and with what independent source can I confirm it?
Five platforms do not mean good diversification if one holds 70% of the capital.
Different platforms can offer loans from one economic group.
Yield, regulation, reports and terms change. Record the date of the inspection.
A value cannot replace analysis of contracts, reports and the specific product.
Concentration index calculated as the sum of the squares of the relative shares.
The inverse of the HHI and an approximate equivalent of equal positions.
The ability to convert the investment into free funds at a desired time.
Dependence of a significant portion of the portfolio on a common source of risk.
Basic calculators run locally in the browser. Do not enter sensitive data unless a specific page explicitly explains its processing.
No. Most assessments measure concentration, completeness of examination or demonstrative balance between criteria.
No. The results are educational and should be supplemented by independent research.
Quadratic indicators such as the HHI give more weight to large positions. This is expected behavior.
The formulas, weights, assumptions and constraints are published on the Methodology page.
See how HHI, concentration, scenarios and completeness score are calculated.