Deploi
Ratings
Ratings are indicative credit-quality views produced by Deploi's internal scorecard. They are not investment advice and do not guarantee performance. Borrower-level delinquency is monitored separately from lender-level scoring. Read the full explainer →
CONSUMER SERIES DEAL #001

UK Consumer Lender A

UK Consumer Lender A is rated A Low Risk with a corrected 77.0/100 score. Strong collections economics for the payday lending model, strong operations, and corrected financial health support the rating.

ALow Risk77Livev2.0
Open pool Returns reporting
Product
Consumer Series
Available
$5M
Investor yield
10.5%
Borrower APR
292%
Evaluated
2026-04-30
Deploi Credit Committee
Score proof

Final score = Σ (component score × weight). Calculation: (72 × 0.50) + (86 × 0.20) + (85 × 0.20) + (65 × 0.10) = 76.7 → 77.0

Component
Score
Weight
Weighted
Loan Portfolio Quality
72
50%
36.0
Operational Assessment
86
20%
17.2
Financial Health
85
20%
17.0
Risk Factors
65
10%
6.5
Final score
—
—
77.0 / 100
Contribution to final scoreA Low Risk
Loan Portfolio Quality36.0
Operational Assessment17.2
Financial Health17.0
Risk Factors6.5
Loan Portfolio Quality
72 · 50%

Underwriting performance and collection economics.

  • NPL ratio7.07%
  • Collections revenueGBP ~49M
  • Lending revenueGBP ~39M
Operational Assessment
86 · 20%

FCA-regulated operator with multi-year track record.

  • RegulatorFCA
  • Operating since2014
Financial Health
85 · 20%

Corrected financial health after restatement review.

  • Gross margin42.6%
  • Senior secured pledgeYes
Risk Factors
65 · 10%

Sector concentration and macro sensitivity overlay.

  • Consumer-sector concentrationHigh
  • Economic sensitivityElevated
Strengths
  • FCA-regulated, operating since 2014
  • Operational Assessment 86/100, Financial Health 85/100
  • Collections revenue (~GBP 49M) exceeds lending revenue (~GBP 39M)
  • Senior secured pledge over assets; 10.5% fixed investor yield
Constraints
  • Risk Factors 65/100 — consumer-sector concentration and macro sensitivity
  • NPL ratio 7.07% requires early-delinquency trend monitoring
Active monitoring
  • Monthly aging, restructuring and fee-bearing recovery reports
  • Quarterly FCA compliance and consumer duty review
  • Macro overlay refreshed each quarter
Risk controls
Highest-severity risk: Lending-company default

Deploi takes a senior secured position and can service the loan portfolio if operations are taken over. The 7.07% NPL ratio is treated as restructuring and recovery performance, not immediate loss.

Audit trailReproducible
MethodologyDeploi Lender Scorecard v2.0
Evaluation date2026-04-30
Evaluated byDeploi Credit Committee
Last verified2026-06-18
Verified byInternal Risk · A. Whitfield
Input data hash
sha256:9f3d5e7…5d7f0a1b
Calculation steps hash
sha256:8e4b2c7…0f1a2b3c
Combined verification hash
sha256:c4d5e6f…c6d7e8f9
Full report Audit trail Methodology v2.0