Scoring Breakdown

The detailed point totals for each section, category, and factor are as follows:

Section	Category	Factors	Points
Operations & Due Diligence	Entity Due Diligence	Compliance Risk (20) Regulated Onboardings (40) Risk Questionnaire (20) Custody (40)	100
Operations & Due Diligence	Borrow History	Borrow Time (60) Lending Relationships (40)	100
Financial Analysis	Quality of Financials	Preparation (25) Audit (25) Recency (30) Financial History (50)	130
Financial Analysis	Performance	ROA & ROE (40) Operating Margin (50) Drawdown (40)	130
Financial Analysis	Debt Servicing	Interest Coverage (60) Current Ratio (80)	140
Risk Monitoring	Portfolio Equity	Portfolio Equity (100)	100
Risk Monitoring	Portfolio Leverage	Portfolio Leverage (100)	100
Risk Monitoring	Visible Liquidity	Visible Liquidity (200)	200