Public reviews: Google reviews score, Trustpilot ratings
Expert assessment: Lendermarket committee review
Lendermarket risk rating
To help our investor community make informed investing decisions, we monitor and score our Loan Originators on a regular basis
0.1-4
4.1-7.4
7.5-10
high risk
medium risk
low risk
Lendermarket Risk Score for each company is updated quarterly. The Lendermarket Risk Score summarizes key risk drivers into a transparent set of component indices and one overall score. Loan Originators are assessed across five components: Public Trust, Transaction, Financial, Legal and Transparency. The result is the Lendermarket Risk Score on a 1–10 scale, where 10 indicates lower risk / stronger performance and 1 indicates higher risk / weaker performance.
The table below shows each component index and the overall Risk Score. The overall Risk Score is calculated as the sum of the five component indices shown in the table (rounded to 2 decimal places).
Loan Originator
Legal entity
Public trust
Transactional index
Financial index
Legal index
Transparency
Score
Credifiel
Publiseg, S.A.P.I. de C.V. Sofom E.N.
0.56
1.43
2.46
1.55
1.25
7.24
Dineo
Dineo Crédito S.L.
1.12
1.39
2.20
1.28
0.50
6.50
Creditstar Group
Creditstar Group AS
0.60
1.55
2.66
1.67
1.35
7.83
RapiCredit
Compañía de Créditos Rápidos S.A.S.
1.20
1.49
2.36
1.38
0.54
6.97
Gatelink
GATELINK International OÜ
0.60
1.55
2.66
1.67
1.35
7.83
RapiCredit Iberica
RAPICREDIT IBÉRICA S.L.U.
0.95
1.18
1.87
1.09
0.42
5.52
Loan Originator
Credifiel
Public trust
0.56
Financial index
2.46
Transparency
1.25
Legal entity
Publiseg, S.A.P.I. de C.V. Sofom E.N.
Transactional index
1.43
Legal index
1.55
Score
7.24
Loan Originator
Dineo
Public trust
1.12
Financial index
2.20
Transparency
0.50
Legal entity
Dineo Crédito S.L.
Transactional index
1.39
Legal index
1.28
Score
6.50
Loan Originator
Creditstar Group
Public trust
0.60
Financial index
2.66
Transparency
0.55
Legal entity
Creditstar Group AS
Transactional index
1.55
Legal index
1.25
Score
7.83
Loan Originator
RapiCredit
Public trust
1.20
Financial index
2.36
Transparency
0.54
Legal entity
Compañía de Créditos Rápidos S.A.S.
Transactional index
1.49
Legal index
1.38
Score
6.97
Loan Originator
Gatelink
Public trust
0.60
Financial index
2.66
Transparency
0.42
Legal entity
GATELINK International OÜ
Transactional index
1.55
Legal index
1.67
Score
7.83
Loan Originator
RapiCredit Iberica
Public trust
0.95
Financial index
1.87
Transparency
0.55
Legal entity
RAPICREDIT IBÉRICA S.L.U.
Transactional index
1.18
Legal index
1.09
Score
5.52
Last updated: March 2026.
How Lendermarket score works?
The Loan Originator is assessed in 5 categories: Transparency, Legal, Financial, Transactions and Public Trust
10% Transparency
15% Legal
25% Financial
15% Transactions
35% Public Trust
The higher the numerical value, the less risk.
Each component index is calculated from a set of checks, thresholds, and available evidence. Checks are scored on a points basis. Higher index values indicate better performance in that area.
Public Trust reflects external credibility and customer trust signals. It includes public reviews (e.g., Google and Trustpilot) and expert assessment.
For the Transaction category we select a sample of Loan Originator loan agreements listed on the platform and perform checks on the underlying loan documentation, disbursement evidence, and repayment evidence. The purpose is to verify that key terms and cashflow-related events are consistent and supported by appropriate documentation.
Financial monitoring includes tests related to portfolio behaviour and underwriting quality (e.g., arrears, buyback activity, extensions), financial covenants agreed with Lendermarket (e.g., interest coverage and leverage-related ratios), and the quality of financial reporting (including audit/review status, auditor recognition, and audit opinion).
In the Legal category we monitor three key areas: the Loan Originator’s supervisory and regulatory environment, anti-money laundering (AML/CTF) obligations and governance, and compliance with Lendermarket platform requirements (including Listing Agreement representations and adherence to Platform Rules).
Transparency reflects the availability and quality of public information about the Loan Originator. We assess factors such as public access to financial statements, visibility of the Loan Originator’s track record, availability of management and ownership information, and other publicly verifiable corporate information.
Subscores breakdown
Subscores help investors to evaluate different aspects related to the risk of loans available for investment
Subscores contribute to the Lendermarket score based on the following weighting principles: 10% Transparency, 15% Legal, 25% Financial, 15% Transactions, and 35% Public Trust. The score is built by combining these component results into one overall value. Not all tests are identical for all Loan Originators (for example, financial covenant thresholds may differ depending on the Loan Originator).
Public trust
Transactional indext
Financial index
Legal indext
Transparency
35%
15%
25%
15%
10%
Public trust
Transactional indext
35%
15%
Transactional index
Transparency
15%
10%
Financial index
25%
Public trust
Transactions
Underlying agreement: Enforceability test; Check of counterparty; Check of term.
Disbursement to underlying borrower: Loan payment date matching; Quality of proof.
Repayments from underlying borrower: Loan repayment dates matching; Quality of proof.
Financial
Underwriting quality: Level of portfolio in arrears; Portfolio repurchase rate; Rate of extensions.
Financial covenants: Adjusted equity ratio; Interest coverage ratio; Non-performing loans ratio; Shareholders' equity covenant; Debt to equity ratio.
Financial statements: Mandatory or voluntary audit; Recognition of auditor; Auditor's opinion.
Legal
Supervision: Determination of the supervising authority (financial supervisory authority, consumer protection board, or financial intelligence unit); Validity of the registration and / or authorisation; Findings from the Supervisory inspection.
Management of money-laundering risk: Applicability of anti-money laundering laws; Appointment and registration of MLRO.
Management performance: Management verifications; Frequent changes in Management (management stability); Compliance with Listing Agreement (Representations and Warranties); Compliance with Platform Rules (Detection of Breaches); Remarks in registries.
Transparency
Public access to financial information: Availability of Financial information to the public; A duly signed and full version of Financial Statements accessible by public; Numbers of operating years (length of track record) available; Macroeconomic volatility based on Moody's country rating.
Public access to other non-financial information: Corporate information and contact details available; Management information is available; Ownership information is available and can be validated in public registries; Blog articles about business activities are published.
Lendermarket score
Lendermarket score illustrates the risk level related to each Loan Originator on a scale from 1 to 10, where 10 is a lower risk, and 1 – is a higher risk. The calculated score is rounded to 2 decimal places.
Under no circumstances should the Lendermarket Score be treated and relied upon as a credit rating in accordance with the methodology and provisions defined by the Regulation (EC) No. 1060/2009 on credit rating agencies. Lendermarket’s Score is not investment advice and Lendermarket cannot be held liable for any losses which may result from basing investment decisions on information and/or analytical materials provided on this website.
