Legal entity
Check full name, registration number and country. The brand, the platform and the contract company may be different entities.
Loan Originator Risk Profile
Sort the confirmed facts, the unknowns, and the attention signals into five directions. The instrument does not determine a credit rating and does not provide an investment recommendation.
01Identify the company
02Mark verified facts only
03View profile and unknowns
Profile and evidence
Mark only information that you have actually checked.
Important: the tool does not search the Internet and does not verify the entered facts. Use official records, financial statements and contract documents.
What's behind the profile
The loan originator is the company that grants or services the credits. Risk can come from borrowers as well as from the financial condition, processes and group dependencies of the issuer itself.
Financial sustainability
One profitable year is not enough. Monitors capital, cash flows, leverage and ability to meet short-term obligations.
Loan portfolio
Growth may mask deterioration. Compare arrears, write-offs and provisions for several periods.
Buyback promise
Buyback does not eliminate risk. It is an obligation that has value only if the issuer or guarantor has sufficient funds.
Group Guarantee
Check who guarantees the payments, what the scope is and whether the guarantor publishes its own consolidated financial data.
Regulation
Determine which activity is regulated. A platform license does not necessarily mean that every loan originator is supervised under the same regime.
Documents and Alerts
Search
- official company registration;
- license or registration with a regulator;
- latest audited accounts;
- arrears statistics;
- terms for buyback.
Read carefully
- the auditor's opinion;
- related party transactions;
- intragroup receivables;
- maturities of obligations;
- line in default.
Attention signals
- late or missing reports;
- growth with weak cash flows;
- frequent structural changes;
- vague guarantor;
- divergence between marketing and contracts.