Can you elaborate on your credit assessment procedures?
How SmartFunding assesses a borrower's ability to meet its debt obligations.
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At SmartFunding, we employ both quantitative and qualitative analysis to assess the borrower's ability to fulfil debt obligations.
Credit assessment and due diligence
Financial analysis, with an emphasis on the borrower's ability to generate cash flow and meet existing debt obligations.
Site visits to physically verify the borrower's business.
Interviews with the borrower and its management to understand the purpose of the financing and assess the viability of the business plan.
Credit bureau checks on the borrower and its shareholders, directors or guarantors to review credit history, repayment records and outstanding litigation.
Know Your Customer and anti-money-laundering checks on the borrower and its shareholders, directors or guarantors.