The risk rating provided on each project page indicates how high the risk is for that project. This is linked to the exit position of the loan you are pledging to and the creditworthiness of the borrower.
Risk Band A (<=50% LTGDV)
Risk Band B (50%<=60% LTGDV)
Risk Band C (60%<=65% LTGDV)
Risk Band D (65%< LTGDV)
Credit Tier 1 – 4 is an assessment of the individual borrower or entity credit risk, this is based on the number and value of any CCJs, payment defaults and insolvency. Tier 1 is the lowest risk, with Tier 4 being the highest risk. Credit Tier forms part of our credit assessment and primarily relates to creditworthiness of the borrowing entity, directors, and >25% shareholders, derived from company and personal searches.