How does our credit assessment work?

Validus has enhanced its credit assessment by using historical lending data and digitalization, minimizing human intervention and error. This approach also includes fraud detection and evaluation of key risk indicators.

Our credit risk assessment focuses on:

- Company: Evaluation based on financial data and cash flow.

- Individual: Director’s credit history, evaluated using 100+ variables.

- End Buyer: Only buyers meeting strict internal criteria are accepted.

Based on our credit risk assessment, our borrowers will have a risk grade from 1-10. We only accept a risk grade of 1-7 and reject any grade above this threshold. However, a risk grade of 8 may be accepted if the borrower is not a sole proprietor. 

Additional checks are also performed on bank transactions, contract history, business legitimacy, cash flow patterns, court history, and compliance, ensuring comprehensive evaluation before loan approval.