Renter Risk Rating (RRR)

Hello Tractor will not extend more than one credit facility per individual borrower in the first year of PAYG operations, thus a single FRR will be adequate for assessing creditworthiness on a risk rating scale. In the future, however, individual borrowers will have the opportunity to secure multiple credit facilities. At this phase of the PAYG program, a Renter Risk Rating framework will be established – giving a high-level rating for obligor credit worthiness which takes into account blended performance across all credit facilities. (Note: cooperatives with strong balance sheets and viable business plans will be eligible for the securing of more than one credit facility.)