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 #002

Spanish Consumer Lender A

Spanish Consumer Lender A is rated A Low Risk with a 72.3/100 score. The rating is supported by strong financial health and operations, with portfolio quality as the constraining component under a high-yield microloan recovery model.

ALow Risk72Livev2.0
Open pool Returns reporting
Product
Spanish Consumer Lending
Available
$45M
Investor yield
9.0%
Borrower APR
109%
Evaluated
2026-05-01
Deploi Credit Committee
Score proof

Final score = Σ (component score × weight). Calculation: (89 × 0.30) + (56 × 0.50) + (88 × 0.20) = 72.3

Component
Score
Weight
Weighted
Financial Health
89
30%
26.7
Loan Portfolio Quality
56
50%
28.0
Operational Assessment
88
20%
17.6
Final score
—
—
72.3 / 100
Contribution to final scoreA Low Risk
Financial Health26.7
Loan Portfolio Quality28.0
Operational Assessment17.6
Financial Health
89 · 30%

Capital adequacy, leverage and liquidity of the lending entity.

  • Equity-to-assets23.5%
  • Debt-to-equity2.95x
  • Liquidity ratio2.23x
Loan Portfolio Quality
56 · 50%

Underwriting performance, aging profile and recovery economics.

  • NPL ratio51.9%
  • Principal portfolioEUR 110.2M
  • Gross portfolio (incl. accruals)EUR 192.8M
  • Principal over 180 daysEUR 40.6M
Operational Assessment
88 · 20%

Track record, regulatory standing and operating metrics.

  • Operating since2012
  • Feb 2026 issuedEUR 33.2M
  • Feb 2026 cash collectedEUR 38.3M
Strengths
  • Financial Health 89/100 — equity-to-assets 23.5%, liquidity 2.23x
  • Operational Assessment 88/100 — regulatory, AML, compliance files reviewed
  • Feb 2026 cash collected EUR 38.3M exceeds issuance EUR 33.2M
Constraints
  • Loan Portfolio Quality 56/100 — NPL ratio 51.9% under a recovery model
  • Principal over 180 days at EUR 40.6M requires roll-rate monitoring
  • High borrower APR (109%) sensitive to regulatory and macro shifts
Active monitoring
  • Monthly recovery, roll-rate, write-off and cash collection reporting
  • Quarterly equity and liquidity covenant checks
  • Servicer takeover readiness drill (annual)
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. Borrower-level delinquency is monitored separately through aging, collection, recovery and write-off reporting.

Audit trailReproducible
MethodologyDeploi Lender Scorecard v2.0
Evaluation date2026-05-01
Evaluated byDeploi Credit Committee
Last verified2026-06-20
Verified byInternal Risk · J. Marín
Input data hash
sha256:moneyma…rce-pack
Calculation steps hash
sha256:idfinan…20260501
Combined verification hash
sha256:idfinan…low-risk
Full report Audit trail Methodology v2.0