Credit Assessment
Rating
Cashare employs big data, artificial intelligence, and machine learning algorithms to assess creditworthiness.
The Cashare Rating System
Each loan application is evaluated against hundreds of data points from Cashare's historical database and external sources via API connections to payment and government databases.
Rating Scale
Loans receive ratings from A to F
Lowest Risk
Interest: 3.9% - 5.4%
Very Low Risk
Interest: 4% - 5.9%
Low Risk
Interest: 4.6% - 7.3%
Moderate Risk
Interest: 5.6% - 9.7%
Medium Risk
Interest: 7% - 11.4%
Ratings D-F are rejected and not listed on the platform.
Expected Returns
6.48%
Estimated overall return
Collateral Options
Loans may be secured with:
Mortgages (ground liens)
Personal guarantees
Collateral is considered in final ratings.
Additional Safeguards
Minimum interest rate floor prevents underpricing
Only ratings C and above qualify for investment
Careful creditworthiness check of all applications
Continuous monitoring of loan performance