Deploi
Ratings
Methodology

Deploi Lender Scorecard v2.0

Each lender is scored 0–100 across four components. The weighted sum maps to a rating band that frames credit quality, not investment advice.

Ratings are calculated using the active investor-portal scorecard methodology (v2.0). The older 8-factor model is deprecated. Each component score is already normalised to 0–100; weights are applied and summed for the final score.
Component weights
Component
Weight
What it measures
Loan Portfolio Quality
50%
Underwriting, aging, recovery economics — strongest signal of credit quality.
Operational Assessment
20%
Track record, regulatory standing, monthly operating metrics.
Financial Health
20%
Capital adequacy, leverage, liquidity at the lending-entity level.
Risk Factors
10%
Sector concentration, macro sensitivity overlay. Weight reallocated when not separately scored.

For deals where Risk Factors is not separately scored, its weight is set to 0 and the remaining weights are reallocated. The Spanish Consumer Lender uses Financial Health 30 / Loan Portfolio Quality 50 / Operational Assessment 20.

Rating bands
Score range
Band
Investor label
85 – 100
A+
Minimal Risk
70 – 84
A
Low Risk
60 – 69
B
Moderate Risk
50 – 59
C
Medium Risk
< 50
D
High Risk
CalculationfinalScore = Σ (component.score × component.weight)

Example: 89 × 30% + 56 × 50% + 88 × 20% = 72.3 → Band 70–84 → A Low Risk.

Audit trail requirements
  • Methodology version
  • Evaluation date
  • Evaluated by
  • Source evidence references
  • Input data hash
  • Calculation steps hash
  • Combined verification hash
  • Full report URL
  • Audit trail URL
  • Reproducibility status
The highest-severity risk is lending-company default. Deploi mitigates this through senior-position documentation and the ability to service the loan portfolio after operational takeover. Borrower-level delinquency is monitored separately through aging, collection, recovery and write-off reporting.