Risk Rating at THEMAR

Credit rating is a way to evaluate how well small and medium-sized businesses (SMEs) can repay their debts based on their financial history and income. It's a critical factor in determining if a business can get the financing it needs and if it can pay it back. Here's what you need to know

A good credit rating is vital for securing financing.
A lower credit rating can discourage investors from supporting a project.

At THEMAR, We Analyze and Assess:

We carefully review the documents and purchase patterns of each business.

We assign points based on factors like business ownership, management, the business cycle, and the industry.

We offer innovative options to enhance repayment capability and reduce financing risks.

Credit ratings are categorized as high risk, medium risk, and low risk.

Invest

Finance

· Financing for these businesses is considered high-risk.

· Our platform classifies projects into risk levels to help investors make informed decisions based on expected returns and risks.

THEMAR's Criteria

We gather essential information from businesses seeking financing, including:

Basic details like business registration, sector, capital, and legal documents.

Bank information, financial statements (if available), and credit records of the business and its owners.

Information about the type, size, and economic cycle of procurement to assess project risk.

Risk Rating Criteria

For businesses without audited financial statements, we've developed a system, in collaboration with experts, to evaluate risk using criteria such as:

Basic information

Business registration, tax certificates, and management evaluation.

Financial information

Review of accounts, purchase volumes, expected payments, and profit.

Procurement details

Type, quantity, payment periods, and supplier relationships.

Credit information

Verification of credit history through SIMAH Company.

Guarantees

Consideration of optional assets or personal guarantees to strengthen the facility's position.

Risk Rating Classifications:

Remember, financing for micro and small enterprises carries higher risk, and investors may face potential profit loss. Choose your investment wisely with THEMAR's transparent risk ratings!

Low Risk

Investment considered relatively safe with higher repayment potential.

Medium Risk

Investment falls between low and medium risk, with varying repayment potential.

High Risk

Investment seen as high-risk, making it hard to predict repayment.