SME loan application scoring

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Loan applications

Company	Sector	Requested amount	Score	Rating	Status

Application assessment

Assessment date

Application summary

Recommended margin = base margin 1,20 % p. a. + surcharge for expected loss (probability of default × loss given default 45 %). The maximum sustainable instalment is based on a minimum DSCR of 1,2. For DSCR and the instalment, the new loan is priced at the reference rate 6,5 % p. a., on an annuity basis.

Scorecard

Sum of weights: 55 % + 25 % + 20 % = 100 %

Financial criteria

weight 55 %

Criterion	Value	Band	Points	Weight	Contribution

Qualitative criteria

weight 25 %

Criterion	Value	Band	Points	Weight	Contribution

Sector risk table

Sector	Points

Behaviour

weight 20 %

Criterion	Value	Band	Points	Weight	Contribution

Score breakdown — waterfall

Sensitivity analysis

EBITDA ± 40 %

−40 %0 %+40 %

Revenue ± 30 %

−30 %0 %+30 %

The simulation recalculates only the criteria tied to EBITDA and revenue (EBITDA margin, debt / EBITDA, DSCR, revenue growth). The other criteria on the card — including any manual overrides — remain unchanged.