FAQ's by Category

For private borrowers, personal and financial aspects are analysed. On the personal layer, this can be the education level, the age, or the family structure. On the financial layer, this can be the monthly salary, the rent costs, or the regular monthly transportation expenses. For companies, company-internal and external aspects are analysed. Internal, this can be the earnings and expenses of the last 2 business years, or the headcount. External factors can be the competitive environment, the market development of the sold products / services, or the possible market risks for the enterprise.

The solvency or creditworthiness of a person or an enterprise, is their capacity to repay their credit debts (economic solvency) and their willingness to pay back the credit (willingness to pay). One can thereby deviate the probability with which the borrower will pay back his credit.

The higher the risk, the higher the interest rate to which investors are willing to invest. Therefore, our interest rates depend on the rating that reflects the borrower's risk. The better the rating, the lower the interest rates.

We recommend distribution to multiple loan projects to achieve your portfolio effect. In this way, the investor achieves the highest possible risk diversification. Despite all the hedging measures, a loan default can occur and the recovery of the loan can be unsuccessful. By distributing it to as many individual projects as possible, a downgrade is less important and, in this case too, makes it possible for the investor to achieve an attractive return.