Credit Scoring

The NAOS Credit Score (“NCS”) system aims to provide lenders with a simple visual snapshot of an asset pool’s risk profile. A high credit score indicates a lower default risk, and a low credit score signals a higher risk of default.

NCS is a multi-dimensional representation of a borrower that takes its financial, operations, macroeconomics, industrial and other factors into consideration. A borrower with robust financial performance may receive a low NCS if the macroeconomics or industrial outlook is substandard.

NCS ranges from 400 to 800. We’re only considering borrowers with NCS above 601 at this time.

Credit QualityScores

Excellent

751 - 800

Very Good

651 - 750

Good

601 - 650

Fair

501 - 600

Poor

400 - 500

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