Credit Evaluation

We undertake this process to identify how eligible a business or individual is for a loan or to pay for goods and services over an extended period. The borrower’s credit worthiness is assessed as one of the many factors considered under this service.

If the borrower is a business, much of the evaluation relies on analyzing the borrower’s balance sheet, cash flow statements, inventory turnover rates, debt structure, management performance, and nature of business

Other factors we consider when evaluating an individual or business that is seeking credit include size of debt burden, loan size, frequency of borrowing, length of commitment, your proposed repayment structure and social and community considerations