We understand: your income depends on who you trust with your money.
That’s why 8lends uses a rigorous selection process. Only a small number of companies make it through.
Here’s what happens behind the scenes:
1. Financial health checking
We review balance sheets, credit history, debt, and how the company has handled obligations in the past.
2. Collateral validation
Every loan must be backed by real assets: real estate, equipment, or inventory. We also check whether those assets can be sold quickly in case of default.
3. Market and business model
We analyze the company’s niche, competition, and growth plans. Stability is not enough. We want projects with some real potential.
4. Legal compliance
All borrowers must meet strict AML, KYC, and GDPR requirements. No gray zones.
5. Reputation check
We also review the company’s owners and top managers. Companies must have a solid reputation and a transparent track record to qualify.
Each project is scored based on 40+ parameters, using a model similar to leading credit rating agencies like S&P, Moody’s, etc. Ratings range from AAA (10/10, lowest risk) to D (1/10, highest risk).
💡 For investors, it means:There are no random projects on 8lends, but carefully vetted businesses with collateral and a clear history.