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


751 - 800

Very Good

651 - 750


601 - 650


501 - 600


400 - 500

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