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Forus Risk Score

Credit Risk and Due Diligence

As part of our risk assessment, we’re evaluating different aspects of investment opportunities on our platform. To help you make informed decisions about investing in finances, we express our findings with the Forus Risk Score. The Forus Risk Score is calculated from 6 sub scores that we assign for the company’s finance portfolio performance, the efficiency of finance servicing, buyback strength, and operational efficiency and money cycle.

Forus Risk Score

All scores and sub scores have the same range, but with difference in interpretation

Before we onboard a lending company, we put it through a series of checks and evaluate investment opportunities and their aspects with the Forus financial and non-financial parameters. We continue monitoring the lending companies and regularly updating rating and the Forus Risk Score for the investment opportunities they offer
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Forus risk scores

The Forus Risk Score is a numerical measure that portrays the risk level of a particular investment opportunity on our platform. It’s expressed on an alphabetical from A (low risk) to G (high risk). The calculated alphabetical value is rounded to the nearest letter.

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A

Safty

Highest Safety

This rating is considered to have the highest degree of safety regarding timely servicing of financial obligations. Such instruments carry lowest credit risk.

Rating above
12 Months

AAA

AA+

AA-

AA-

Rating below
12 Months

A1+

A1+

A1

A1

Score

97+

95+

93+

91+

Defenition

This rating is considered to have the highest degree of safety regarding timely servicing of financial obligations. Such instruments carry lowest credit risk.

This rating is considered to have a very high degree of safety regarding the timely servicing of financial obligations. Such instruments carry very low credit risk

This rating is considered to have the highest degree of safety regarding timely servicing of financial obligations. Such instruments carry lowest credit risk.

This rating is considered to have a very high degree of safety regarding the timely servicing of financial obligations. Such instruments carry very low credit risk

Credit Rating Methodology

Quantitative analysis

Income Statement Liquidity, scope of operations, etc

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%

Quantitative analysis

Commercial Operations

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%

B

Safty

High Safety

This rating is considered to have a high degree of safety regarding timely servicing of financial obligations. Such instruments carry very low credit risk.

Rating above
12 Months

A+

A

A-

Rating below
12 Months

A2+

A2

A2

Score

86+

78+

71+

Defenition

This rating is considered to have a high degree of safety regarding the timely servicing of financial obligations. Such instruments carry low credit risk.

This rating is considered to have a high degree of safety regarding the timely servicing of financial obligations. Such instruments carry low credit risk.

This rating is considered to have a high degree of safety regarding the timely servicing of financial obligations. Such instruments carry low credit risk.

Credit Rating Methodology

Quantitative analysis

Income Statement Liquidity, scope of operations, etc

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%

Quantitative analysis

Commercial Operations

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%

C

Safty

Adequate Safety

This rating is considered to have an adequate degree of safety regarding timely servicing of financial obligations. Such instruments carry low credit risk.

Rating above
12 Months

BBB+

AA+

BBB-

Rating below
12 Months

A2+

A2

A2

Score

66+

61+

56+

Defenition

This rating is considered to have an adequate degree of safety regarding the timely servicing of financial obligations. Such instruments carry much below moderate credit risk.

This rating is considered to have an adequate degree of safety regarding the timely servicing of financial obligations. Such instruments carry much below moderate credit risk.

This rating is considered to have an adequate degree of safety regarding the timely servicing of financial obligations. Such instruments carry much below moderate credit risk.

Credit Rating Methodology

Quantitative analysis

Income Statement Liquidity, scope of operations, etc

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%

Quantitative analysis

Commercial Operations

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%

D

Safty

Moderate Safety

This rating is considered to have less than moderate degree of safety regarding timely servicing of financial obligations. Such instruments carry moderate credit risk

Rating above
12 Months

BB+

BB

BB-

Rating below
12 Months

A4+

A4

A4

Score

53+

49+

45+

Defenition

This rating is considered to have a below-moderate degree of safety regarding the timely servicing of financial obligations. Such instruments carry moderate credit risk.

This rating is considered to have a below-moderate degree of safety regarding the timely servicing of financial obligations. Such instruments carry moderate credit risk.

This rating is considered to have a below-moderate degree of safety regarding the timely servicing of financial obligations. Such instruments carry moderate credit risk.

Credit Rating Methodology

Quantitative analysis

Income Statement Liquidity, scope of operations, etc

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%

Quantitative analysis

Commercial Operations

Balance Sheet

Others

Score

Weight

20%

30%

10%

60%