With the rating, Cashare assesses the risk of a loan. It is based on the borrower's creditworthiness and ability to repay. The better the rating, the lower the risk and the lower the interest rate.
We only publish loan projects with these ratings:
| Rating | Assessment | Nominal rate, personal loan |
|---|---|---|
| A | lowest risk | 4.4–5.1% |
| B+ | very low risk | 4.4–5.4% |
| B | low risk | 4.5–6.4% |
| C+ | medium risk | 5.2–8.1% |
| C | increased risk | 6.2–8.2% |
For SME loans, the nominal interest rate is between 5.9% and 14.9%, depending on the rating, the type of loan and the security.
We reject applications with a worse rating. Even a good rating is no guarantee: borrowers can default, and you can lose capital.
You can find out more about the rating on the Cashare rating page.