How Welfio scores investments?

It's hard not to get a headache when choosing loans to invest in.

We assess risk & return of each loan opportunity so you can sit back and relax.

Lending company loans

- Loans to consumers that are backed by professional lending companies
- Lending companies instead of individual loans are reviewed


Step 1

Financial and other public data on a lending company gathered.

Step 2

Scoring based on the company's Profitability, Liquidity, Product, and Stability.

Step 3

Score adjustment to account for country and geopolitical risks.

Step 4

Final score adjustment based on the strength of investor protection.

Step 5

Risk-return scoring: risk and interest rate are combined in Total Score
(The higher the Total Score, the better an investment is likely to perform)

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Real estate loans

- Loans to real estate developers building residential buildings, offices, and more


Step 1

Historical performance of similar loans reviewed.

Step 2

Loan scored on 10 various metrics.

Step 3
Risk category of A (safest) to E (most speculative) assigned.

Step 4

Risk-return scoring: risk and interest rate are combined in Total Score
(The higher the Total Score, the better an investment is likely to perform).

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Agriculture and forestry loans

- Loan to farmers and forestry businesses taking care of our basic needs
- Both the loan and the loan marketplace are assessed


Step 1

Loan marketplace review based on 27 factors.

Step 2

Categories of factors reviewed - regulation, transparency, profitability, liquidity, communication.

Step 3

Individual loan scoring.

Step 4

Metrics reviewed - loan-to-value, collateral type, valuation, and strength, other guarantees provided.

Step 5

Marketplace and loan score is combined for final Risk Score.

Step 6
Risk-return scoring: risk and interest rate are combined in Total Score
(The higher the Total Score, the better an investment is likely to perform).

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