Representative Credit Scoring Matrix
Assumes Audited or Reviewed Financial Data
|
Capitalization (debt:equity) |
Equipment Collateral Value |
Cash Flow (NI + Dep. - CMAT/Pmts) |
Mgmt. Experience / Time in Business |
Credit Bureau Score |
|||||
| < 1:1 | 5 pts | Excellent |
5 |
>5x | 5 pts. |
Excellent 10+ yrs. |
5 |
Excellent |
5 |
| 2:1-1:1 | 4 pts. | Above Avg. | 4 | 4-5x | 4 pts. |
Above Avg. 8-10 yrs. |
4 | Above Avg. | 4 |
| 3:1-2:1 | 3 pts. | Avg. | 3 | 3-4x | 3 pts. |
Avg. 5-7 years |
3 | Avg. | 3 |
| 4:1-3:1 | 2 pts. | Below Avg. | 2 | 2-3x | 2 pts. |
Below Avg. Less than 5 yrs. |
2 | Below Avg. | 2 |
| 5:1-4:1 | 1 pt. | Poor | 1 | 1-2x | 1 pt. |
Poor Less than 3 years |
1 | Poor |
1 |
| >5:1 | 0 pts. | <1x | 0 pts. | ||||||
| Total______ | Total______ | Total______ | Total______ | Total______ | |||||
A:
B:
C:
D:
15-20 Points
9-14 Points
4-8 Points
