Our main goal is to make your investments as safe as possible, so we never list businesses that won’t be able to repay you.
But even a profitable business with a clean audit can suddenly default. Strong cash flow management, transparent accounting, a diversified customer base, and conservative management are all difficult processes that must be monitored carefully.
That’s why, even though we carefully audit every business, we never ignore the possibility of default.
Every business on our platform receives a risk rating ranging from D (higher risk) to AAA (lower risk).
Here’s what we analyze before assigning a grade:
🔘 Financial Risk: total liabilities / TNW, funded debt / EBIT, and debt / equity
🔘 Qualitative Risk: business score, management score, and industry score
🔘 Coverage & Liquidity: debt service coverage ratio (DSCR), EBIT / interest, and current ratio
Every investment involves risk, and unlike 99% of crypto projects, we keep those risks transparent.
💎 If you want to dive deeper into how we assess businesses, read this article.